The following is what Hang Seng Bank said:
The exclusive consumption card will be linked to your designated account as a permanent personal deposit of HK$, and the amount will be deducted from the consumption card account immediately when the merchant signs the purchase.
When signing an account, if the balance in the exclusive consumption card is insufficient to complete the transaction, the exclusive consumption card will automatically increase in value from the designated Hong Kong dollar permanent deposit account to pay the amount required for signing the account.
You can also enjoy the exclusive USD and Hang Seng Credit Card Cash USD Awards, and enjoy the annual premium of more than 850 exclusive card "special merchants" and 2,600 Hang Seng Cash USD participating stores in Hong Kong.
Visa payWave sensitive payment and Octopus automatic value-added service are not applicable to enjoy the fee card.
1) What's the difference between exclusive credit card and exclusive consumption card?
VISA PAYWAVE inductive payment, no credit card allowed.
Octopus automatically adds value, automatically adds value. Consumer cards are not allowed.
Enjoy Card is the first credit card in Hong Kong with the sensitive payment function of Visa payWave (1). Enjoy the card and stipulate that the "special merchant" pays the fee, and the transaction amount is HK$ 500 yuan or below. It is convenient to directly click the sensor without signing (2).
In addition, if the consumer card is signed, it will be deducted from the account, and you can choose every time you add value, once a day.
At least 300 yuan.
If the value is increased, it cannot be increased that day. Can't buy it.
In this way, you can be a FORE worker. For example, if you go shopping in Wellcome, your daily limit will be increased by 300 yuan, and your credit limit will be increased by 30%.
Well, I can already sign it.
If a credit line is set, there will be a problem, that is, the loan will be repaid every day. If it is too much, the workers can't talk about it at any time, and the money will be lost.
SET has micro-credit and small loss D, but it needs to be repaid every day.
2) Do the exclusive credit card and exclusive consumption card have credit card functions?
Which one can be used for online shopping (such as online ordering, authentication PayPal, Yahoo auction, etc.). )?
Consumer cards have no credit card function.
As soon as you sign, if you don't have enough storage space, the bank will deduct money.
Only by enjoying the credit card can you order online, authenticate PayPal, Yahoo auction and so on. )
I used a credit card and a badminton court booked online.
3) Do you need to have a Hang Seng Savings Account for exclusive credit card or exclusive consumption card?
Can I only apply for Hang Seng ATM account (but $5000)?
If you want a credit card, you can use it.
Now you can use PPS for credit card payment.
Of course, if you have a Hang Seng savings account, you can apply for automatic transfer.
If you don't remember the number of cards, you have to pay a lot of financial expenses.
Hang Seng Index is required for automatic transfer. I tried to use HSBC to transfer money automatically before, but I didn't get it. I applied for a Hang Seng savings account.
C PPS will be used to pay for the completion of the project, and one will be used to pay for the financial expenses.
4) Exclusive credit cards and exclusive consumer cards are free of annual fees forever?
Or do I have to apply online to get a five-year free annual fee?
Permanent annual fee-free
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Supplementary explanation:
I started using this card in February 2008, and everything is fine.
Because everything you buy in Wanning has a 5% discount on 1 and 15 every month.
There is a 5% discount on going to Wellcome on the 2nd and 20th.
Moreover, Wanning and Wellcome signed a contract with 200 yuan, and 2 yuan enjoyed US dollars.
Elsewhere, 100 yuan has 1 yuan in cash dollars.
I think it's good to apply for a credit card.
2009-01-03 22: 21:56 supplement:
Can I apply for a credit card without income?
You can only apply if you have income, with an annual salary of at least 48 thousand. ,