How to apply for a credit card in Hong Kong?

How to apply for a Hong Kong credit card?

If you want to apply for a credit card from a Hong Kong bank, you need to hold a local bank card in Hong Kong for repayment. Usually, if you want to apply for a bank's credit card, you need to apply for an ordinary bank card of that bank.

Different from the mainland, when applying for a credit card in Hong Kong, the applicant needs to provide his second-generation ID card between the ages of 23 and 48, and must hold a Hong Kong and Macao pass or passport. In Hong Kong, the receiving address is necessary because banks need to send letters (such as monthly statements, statements, receipts and payments, etc.). ) to the account holder.

Using Skills of UnionPay Credit Card in Hong Kong

Credit card is more cost-effective than cash withdrawal. Merchants with the "UnionPay" logo in Hong Kong do not have to pay any handling fees for swiping their cards. However, at present, cardholders need to pay a certain handling fee (the specific charging standard can be inquired from the issuing bank), so it is recommended to swipe your card as much as possible when shopping.

Remind the cashier when checking out: "Please settle the account through UnionPay network"

In Hong Kong, the same merchant may have multiple acceptance networks, and the bill amount will be different if different networks are used. Comparatively speaking, it is more economical to use RMB cards. Therefore, when shopping by credit card, it is best to remind merchants: "Please settle the account through UnionPay network."

How to apply for a Hong Kong bank card in Chinese mainland?

In the mainland, you can go to the bank to apply for a Hong Kong bank card as long as you have the relevant documents ready.

To apply for a Hong Kong bank card, you need to bring the following documents:

1. Domestic valid identity documents: including resident identity cards (excluding temporary id card) or valid military identity documents.

2. Hong Kong and Macao Pass or Passport: The valid endorsement date is more than three months.

3. Address certificate: refers to the document that can prove the address received by the household registration applicant in the last three months, usually bills issued by some public institutions, such as water and electricity bills, gas bills, telephone bills, etc. Bank credit card bill; A certificate stamped with the official seal of the business issued by a financial or public institution; It must be a mobile phone, detailing the customer's name, home/mailing address and date within three months.

(If the address on the valid identity document is the address of the current residence of the account holder, this material may not be provided. )

Matters needing attention in handling cards:

1, account opening failed:

Even if you bring all the information and documents, you may not be able to apply successfully, and there is a risk of failure in opening an account.

2. Transfer authority:

When handling a Hong Kong bank card, you must inform the counter to cancel the third-party transfer authority and increase the transfer limit. Because most bank cards in Hong Kong do not have these two functions enabled by default, the enabled bank cards are still unusable. If you want to modify them, you must go to the counter again.

3. Proof of address:

Some banks do not need proof of address to handle Hong Kong banks, so they can consult clearly before handling them.

How to apply for a Hong Kong credit card?

To apply for a Hong Kong credit card, you need to be at least 18 years old, have a stable source of income, and provide your ID card and related adjutant's auxiliary materials.

I. Processing conditions:

1, age 18-65 years old, with civil capacity.

2. Have a stable income and provide proof of income.

3, personal credit should be good, no bad record.

Whether you can successfully apply for a credit card is also related to your occupation.

Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.

6. Foreign and overseas personnel and officers in active service should issue temporary accounts issued by local public security departments or certificates issued by relevant departments, and provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area.

Two. Information required for credit card processing:

1, identification materials;

2. Proof of work and income;

3. Proof of financial resources;

4, academic titles, professional qualification certificates, own real estate license, own car driving license and other auxiliary materials.

Third, the handling process:

1, apply for an appointment online;

2. Three to five working days after the appointment, a staff member will come to contact and collect information;

3. It takes about 7 to 10 working days for the banking system to review personal information and call back;

4. If approved, the credit card will be sent in about 10 working days.

Do I really need to send my own bank card to apply for a credit card in Hong Kong?

False, don't believe it.

To apply for a Hong Kong credit card, you need to have a job in Hong Kong and provide your Hong Kong address.

At present, ordinary China mainland residents can't apply for a credit card in Hong Kong, unless you have assets in the name of Hong Kong, you can apply through assets and other information.

How to apply for a Hong Kong credit card?

Hong kong credit card, you can apply for HSBC credit card. Handling requirements are as follows:

1. The main card applicant must be at least 18 years old, with a monthly salary of RMB 4,000 yuan or more for domestic residents and RMB10,000 yuan or more for overseas residents;

2. The supplementary card applicant must be 16 years old.

The annual fee of HSBC Life Credit Card is RMB 300 yuan, which contains a number of exclusive rights. After the card is activated in the first year, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after swiping the card for 6 times. Supplementary cards are free of annual fees. Each customer is limited to one set of HSBC China credit card, and each main cardholder is limited to one set of supplementary cards.

Extended data:

If the credit card of HSBC Life Insurance is illegally occupied due to loss, theft or robbery/robbery, and the credit card is stolen within 48 hours before the official loss report, the maximum loss guarantee service of RMB 654.38+RMB 00,000 can be obtained.

If the HSBC Life Platinum Card is lost or stolen overseas, you only need to call the HSBC China Credit Card Service Hotline to get the necessary emergency assistance services, including:

1, emergency card replacement

2. Emergency cash advance

These services are provided by MasterCard, which will take a series of measures for you to prevent the old card from being fraudulently used by others, ensure the timely issuance of new cards, and arrange for you to obtain emergency cash advances quickly at more than 300,000 arbitrary western outlets around the world.