Has any friend been able to apply for a credit card or personal loan (legitimate bank/finance) after obtaining a bankruptcy order?
Answer: During bankruptcy, it is absolutely impossible to obtain all credit cards and personal loans! Because the bankrupt's identity will be known to all banks and financial companies in Hong Kong (the bankrupt's information will be recorded in the Official Receiver's Office and TransUnion Credit Database), credit card and loan services will never be provided!
Suppose a bank is unaware of the bankrupt’s identity and grants him a credit card or loan! Bankrupts should never accept or use it! Because the bankruptcy regulations clearly stipulate that bankrupts are absolutely not allowed to use credit cards and accept loans of more than 100 yuan! If you accept and use these services without telling the other party that you are bankrupt (of course, if you tell the other party that you are bankrupt, the other party will not approve it), you may be charged with fraud! Please refer to the following information!
A bankrupt cannot pay individual creditors directly without the approval of the court or the Official Receiver. Bankrupts are also required to immediately stop using credit cards or applying for loans from financial institutions, and stop paying premiums for their life insurance policies.
Some bankruptcy offenses that may result in imprisonment are briefly described below:
Bankruptcy Ordinance
(Chapter 6 of the Laws of Hong Kong)
Summary of crime
Punishment
Section 131
Acquisition of credit by a bankrupt who has not been discharged from bankruptcy
If a bankrupt individually or jointly It is an offense to obtain from any person a credit of $100 or more without the bankrupt having previously informed the person providing the credit of his undischarged bankruptcy.
The maximum penalty is two years' imprisonment.
oro/cht/publications/bankguide#10
As for whether I can obtain credit cards and bank loans after bankruptcy? I can’t say absolutely not, but the chance is very low! There are some reports that Aeon will issue credit cards to people who have been bankrupt, but there are also cases where they are rejected! According to my own experience, it is almost impossible! Of course, assuming you have a large time deposit or other collateral, the bank may also have the opportunity to issue you a credit card or loan! , Reference: cecimak’s experience and understanding as a former bankrupt! Hope this helps! , applying for a loan is safe and convenient
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[email protected], probably not~
But my friend went bankrupt. You will be able to apply for a credit card after the deadline!