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Credit Cards

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  1. #1

    Join Date
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    Credit Cards

    Simple question. If I purchase something on a HK credit card do I get the same protection I would from a UK CC. For example purchase a holiday and company goes bust ?


  2. #2

    Join Date
    Mar 2007
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    Depends on your CC contract&terms and conditions.
    Generally, I would assume no - check your terms carefully.

    EG :
    A north american AMEX gold card gives you rental car insurance CDW.
    A HKG AMEX gold card does not.

    dear giant likes this.

  3. #3

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    Not the same protection. See the Oasis thread for some information: http://hongkong.geoexpat.com/forum/2...d26336-29.html

    dear giant likes this.

  4. #4

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    Nope, there's no charge dispute protection for credit cards in HK (you can't get the credit card provider to reverse a transaction if the goods are not provided for example).

    dear giant likes this.

  5. #5

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    Quote Originally Posted by ByeByeEngland:
    Simple question. If I purchase something on a HK credit card do I get the same protection I would from a UK CC. For example purchase a holiday and company goes bust ?
    You are referring to section 75 of the UK consumer credit act.

    Unfortunately HK is not so consumer friendly and does not have equivalent protections in place for consumers.
    dear giant likes this.

  6. #6

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    Quote Originally Posted by drumbrake:
    Not the same protection. See the Oasis thread for some information: http://hongkong.geoexpat.com/forum/2...d26336-29.html
    Wow, old school thread.

    I remember it quite well now. Quite new poster on Geo, got brutalised by some of the usual suspects claiming I didn't know what I was talking about and some very unpleasant personal attacked.

    I proved those fcukers wrong.
    BaconBreadBaker likes this.

  7. #7

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    Brilliant thanks all That's why I like this place so much. Given all my other experiences of the last 3-1/2 months I'd kind of assumed this was the case but this is better than google for the most informed answers. Booking on UK card it is the !!!


  8. #8

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    Apart from the credit card itself, in the UK there are also certain travel associations (e.g., ATOL?) which protect consumers who purchase holiday packages and maybe travel. Nope, nothing like that here, of course!


  9. #9

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    Consumer protection in Hong Kong is basically non-existent.