1. Holders of large resident identity cards need to have permanent residency or non-permanent residency in Hong Kong before they can apply for credit cards in this area.

2. Credit cards will be blacklisted if they are overdue. Banks will decide whether to take legal measures according to the overdue situation of cardholders. However, Hong Kong's credit has not been connected with the mainland, so its impact is limited. Credit card spending is large, and HSBC in Hong Kong will entrust domestic HSBC or debt collection companies to recover the money.