it's not reliable to apply for a credit card in hong kong. if you provide the information, you will open an account in every bank with your information and cash it all out. So it's not true.

There is no upfront fee for handling Hong Kong credit cards:

It is a liar to handle Hong Kong credit cards without upfront fee, because according to bank personnel, there is a handling fee for handling Hong Kong credit cards. Banks don't need to charge any fees for handling credit cards. Therefore, anyone who claims to charge for credit cards may be a liar. In addition, not everyone can apply for any credit card. Banks issue credit cards to individuals based on personal credit and assets. Those who claim that they can apply for any credit card at will are often liars.

Precautions for handling credit cards:

1. It's best to choose appropriate cards according to their own economic strength, especially for people with average income. Don't blindly apply for high-grade cards such as platinum cards and diamond cards, which require higher financial income level of applicants. It is suggested that it is easier to handle cards for the first time by choosing cards with ordinary cards and gold cards.

2. Pay attention to various credit card consumption traps. If the card is handled through an intermediary, it may be bundled for consumption. For example, you can directly refuse to sell insurance by credit card.

3. To understand the annual fee policy of credit cards, many credit cards can be exempted from the annual fee in the first year, and then they can be exempted from the annual fee in the following year as long as they are fully swiped for a specified number of times or amount. Different banks and card types may have different annual fee policies, so we must make it clear, otherwise the annual fee is not a small expenditure.

4. Many people apply for credit cards for the first time, and the amount they get is generally not high. It is not recommended for customers to cancel their first credit card directly because the amount is not high, which may affect the subsequent card processing. In fact, as long as the card is used well later, the bank always has the opportunity to raise the amount.