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#1
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| how to open bank account and apply for credit card? hi everyone i'll arrive inn HK soon. Wonder how easy it is to open a current account in HK? what proof do banks need? I wont have a credit reference in hk since dont have long history in hk yet. is a letter from employer sufficient? anything i need to be aware of? is it worth having a HK$ credit card? is there an annual fee? which bank/credit card company is good? any good website you can recommend? thanks a lot! |
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#2
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| Bank account: no problem - just bring your passport. Credit card: probably will need your salary paid into your bank account and/or a letter from your employer. Yes - get a HK$ credit card. Basic cards are free. HSBC is good. |
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#3
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| For some banks, you might need to wait for 3 months before you can apply for CC as they need your last 3 months salary record..... FYI, be aware of Cash advance charges and late fee surcharges. P.S.: You will learn how to get rid of Annual fee after 1/2 yrs |
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#4
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| Depends where you're moving from. If you're moving from a country which has Citibank / American Express, I know for sure that these banks will take into account your existing credit record and give you local cards. |
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#5
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| Yes, beware of the cash advance charges. HSBC would normally require 3 months banking history with them, but if you put in a time deposit of 50000 HK, they can issue you a credit card immediately. |
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#6
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| Thanks all so much! |
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| Tags |
| credit reference, current account, hk, hsbc, passport, salary, proof, banks, bank credit card, credit card company, cards |
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