Best Credit Cards In Hong Kong For Those Who Seek To Rebuild Their Credit

When you have never borrowed before, or you have taken on too much debt, a credit builder credit card can assist you in improving your overall credit rating. There are a range of unsecured and secured cards that can help you out of debt and improve your risk score with those that you lend from.
When you have never borrowed before, or you have taken on too much debt, a credit builder credit card can assist you in improving your overall credit rating. There are a range of unsecured and secured cards that can help you out of debt and improve your risk score with those that you lend from.

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Many banks and institutions provide credit card offers that help you repair your credit score when it has been harmed by late or missing payments in the past, or if you simply haven’t established a credit history. Those that are classified as a high risk factor on credit bureaus’ records will find it difficult to benefit from a host offers that others take for granted.

A credit score represents your credit history, which reveals the intricacies of your financial history. It pays to maintain it in good condition in order to show your creditworthiness to lenders and keep alternatives open for future borrowing requirements. To make a credit builder card work, you must properly manage it, which includes paying off the debt on each monthly bill on time or preferably before the due date. Compare these credit cards available to residents of Hong Kong and get back those perks and benefits that a great card has to offer.

Many banks and institutions provide credit card offers that help you repair your credit score when it has been harmed by late or missing payments in the past, or if you simply haven’t established a credit history. Those that are classified as a high risk factor on credit bureaus’ records will find it difficult to benefit from a host offers that others take for granted.

A credit score represents your credit history, which reveals the intricacies of your financial history. It pays to maintain it in good condition in order to show your creditworthiness to lenders and keep alternatives open for future borrowing requirements. To make a credit builder card work, you must properly manage it, which includes paying off the debt on each monthly bill on time or preferably before the due date. Compare these credit cards available to residents of Hong Kong and get back those perks and benefits that a great card has to offer.

Apply for Citibank Cards Online and Begin Rebuilding Your Credit Today

Customers are spoilt for choice with Citi’s wide range of credit cards, there’s a card for every lifestyle and need, including rebuilding your credit. What’s more, you’ll also enjoy an array of benefits with your Citi credit card. Citibank credit cards, not only fund your daily expenditure, but also let you enjoy all the privileged offers and enhanced experiences. Customers get a convenient online shopping experience and enjoy flexible redemption of cash rebate via Citi Mobile App or Online Banking.

Citibank Rewards Card:

This credit card is the perfect entry level credit builder for customers wanting to rebuild there overall risk scores. It offers tons of rewards and you can pay using all of your favourite online collaborators, such as Google, Samsung and Apple pay.

Benefits:

• HK$800 Welcome Supermarket and Lifestyle Supermarkets Shopping Voucher
• Enjoy 5X Points for all wallet transactions with Apple Pay, Google Pay and Samsung Pay
• Enjoy 3X Points for all Mastercard contactless and payWave transactions
• Points that never expire

Rebuild Your Credit Rating with a Standard Chartered Smart Card

Apply for a SC Smart Card now to get extra HK$1,100 Apple Gift Card or HK$1,100 supermarket vouchers or a Bose SoundLink Micro Bluetooth speaker with a retail value of HK$1,199. Total up to HK$2,399 rewards including the exclusive Standard Chartered welcome offer. Furthermore, customers can earn 5% CashBack all year round when shopping at HKTVmall.

After applying for the card, why not get an extra HK$300 supermarket vouchers by referring relatives and friends to apply as well. The more you refer, the more rewards you can get. The Standard Chartered Smart Card is perfect for Hong Kong residents wanting to rebuild their rating and climb up the credit card ladder to a premium card offer.

Benefits:

• Cash back on spending at designated stores of HKTVmall
• Cash back on local spend
• Exclusive Offer Up to HK$1,199

Get a Credit Building MPower Credit Card and Enjoy Exclusive Offers

Hang Seng MPOWER Card

This fantastic credit card offer from Hang Seng Bank is ideal for repairing your credit profile. In addition it offers an array of benefits and perks to help get you started. Furthermore, every customer that successfully applies for an MPower Platinum card, receives an exclusive welcome gift.

Rebuilding your credit can be a daunting task, to alleviate this Hang Seng are giving away a HK$500 Apple Gift Card, HK$500 Supermarket vouchers and HK$500 759 Store Vouchers to qualifying customers. Take that first step today and secure your financial future with a bank at the heart of the community.

Benefits:

• 5% Cash Dollars rebate on designated Mobile Payment
• Online and Overseas spending
• MCL Cinema: Online handling fee waiver
• Concert ticket priority booking
• Annual fee: HKD 1,500

The American Express Explorer Credit Card Rebuilds Your Credit, Fast

Successfully apply and upon spending in the first 3 months, you can enjoy a limited-edition Anson Kong X Explorer Hat Gift Box Set and up to HK$4,700 in welcome offer bonuses with the first-year annual fee waived.

Those looking for a credit building facility cannot go wrong with this offer. Simply keep up with your monthly payments and make sure your account is in the black. Within the first 3 months customer can get an upgrade to a better card, boasting more offers and perks.

Benefits:

• Online and first transaction bonus: Apply successfully and upon successful spending in the first 3 months, you can enjoy HK$300 Statement Credit
• Welcome Bonus – Spend HK$6,000 in the first 3 months, you can enjoy HK$600 Statement Credit
• Local Spending Bonus – Enjoy HK$1=5points in the first 3 months Up to 600,000 points, worth HK$2,000 in cash vouchers/Pay with Points or 40,000 air miles, you can enjoy up to HK$2,000

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