Is it easy to apply for credit card in HK?

[dong]

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.

[Grungerock]

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.

[dong]

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

[tanbs]

Any bank except HSBC

[PDLM]

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...

[dong]

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

Is Standard Chartered okay?

[travelem]

IMO Hangseng Bank always has the best service.

[hkkm]

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.

[TaLL|dUdE]

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.

[shri]

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