Is it easy to apply for credit card in HK?

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  1. #1

    Join Date
    Apr 2006
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    Is it easy to apply for credit card in HK?

    I just got my job offer and will be moving to HK around July 2006.

    Just wondering if it is easy to get a credit card in HK. What supporting documents do I need to produce to prove my income since right now I only have my employment contract?

    Also, can I apply for a credit card if my work visa is not approved yet?

    Thanks.


  2. #2

    Join Date
    Sep 2005
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    Just visit any bank and discuss with them that you currently won't have a pay slip but you are able to show your work agreement. It depends on the individual who is processing your application. Good luck.


  3. #3

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    Apr 2006
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    Thanks, Grungerock. Any idea which bank is more lenient?


  4. #4

    Join Date
    Dec 2004
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    Any bank except HSBC


  5. #5

    Join Date
    Jun 2005
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    Or Citibank, who steadfastly refuse to give me a sensible credit limit (currently not much more than 50% of my monthly salary) meaning that I quite regularly have to make multiple payments each month just to stay within my credit limit...


  6. #6

    Join Date
    Apr 2006
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    Oh, I was actually looking at HSBC and Citibank, so now I can forget about them!

    Is Standard Chartered okay?


  7. #7

    Join Date
    Jul 2004
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    215

    IMO Hangseng Bank always has the best service.


  8. #8

    Join Date
    Aug 2004
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    31

    When we came to HK 3 years ago, Hangseng wouldn't give my husband a credit card, even though he had a good salary and a 3 year contract, and wouldn't tell him why. Eventually we heard from a couple of our friends (also expats) that had the same experience, and put two and two together. We ended up getting a credit card with BEA because they had a deal with my husbands workplace.


  9. #9

    Join Date
    Sep 2005
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    HK
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    583

    i got my hsbc cc about 2 months after i arrived here. hmm... a friend of mine had problems getting a cc here in hkg as well... more of a discrimination thing than anything else she said.


  10. #10

    Join Date
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    Hang Seng has a different credit scoring system if you don't have a permanent ID card.


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