Hello guys,
I've read a bit here about finding a debit card in HK and everyone is saying the concept didn't reach the island yet.
As I'd like to avoid credit cards at all cost, what would be the closest alternative, allowing me to (if possible):
- pay on the internet
- never spend more than what I own
- have nearly no delay for any expense to be withdrawn from the account
- no fee/interest except a yearly reasonable one
- withdraw cash in ATMs?
I could use a credit card with regular accountancy via a software, but I've never ever used one (inexistant in my country) and I'm a bit worried about all the tricks they would try to pull on me (not understanding how it works, interest rate, monthly bill, minimum payment, FICO scores, reward if you spend more, variable interest rates, craps like that). Also I hate to be forced into a scheme that is created to put me in debt without fighting a bit.
I could also use my motherland's visa debit card, but I fear fees might be higher than the risks I take with a credit card.