Applying for a credit card in Hong Kong is fake. It is not reliable to apply for a credit card in Hong Kong. If you provide this information, you can open an account with each bank using your information and withdraw all your money. So not true. There is no upfront fee for applying for a Hong Kong credit card: There is no upfront fee for applying for a Hong Kong credit card, which is a scam, because according to bank staff, there is a handling fee for applying for a Hong Kong credit card. Banks do not charge any fees for credit card processing. Therefore, anyone who claims that a credit card charges a fee may be a scammer. Also, not everyone can apply for any credit card. Banks issue credit cards to individuals based on their credit and assets. People who claim they can apply for any credit card they want are often scammers.