Credit card

leo54321hk

Can someone apply for credit card after discharge of bankruptcy ??

s63703399

leo54321hk 發表於 2012-10-14 03:03

                               
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Can someone apply for credit card after discharge of bankruptcy ??

           應該唔得

張家輝

leo54321hk 發表於 2012-10-14 03:03

                               
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Can someone apply for credit card after discharge of bankruptcy ??

我相信唔得囉~ 或者可以試下果D唔係銀行直接發既 credit card 既~ 不過始終機會微D, 同可能只係比8千 credit 你玩下咁掛~

司加Q

理論上銀行會將你列入左黑名單，可能除非你而家有資產證明，咁先可能有d機會

lawson.

唔一定唔得
純粹商業決定
不過我估你最好先係果間銀行開個戶口
放錢入去, 等佢覺得有保障
先會考慮

leo54321hk

kitkit999 發表於 2012-10-15 18:23

                               
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理論上銀行會將你列入左黑名單，可能除非你而家有資產證明，咁先可能有d機會 ...

But my friend can get a supplementary credit card after the discharge

司加Q

leo54321hk 發表於 2012-10-15 19:51

                               
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But my friend can get a supplementary credit card after the discharge

你或者試下跟你個friend咁做，去翻果間銀行試試，可能有左先例會易辦d~

yiuc

唔得囉~ 可以試下non 銀行直接發既 credit card

張家輝

leo54321hk 發表於 2012-10-15 19:51

                               
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But my friend can get a supplementary credit card after the discharge

果D會唔會係息口好貴架 ? 而且會唔會係果D冇咁通行既咭黎架 ?

leo54321hk

張家輝 發表於 2012-10-16 13:12

                               
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果D會唔會係息口好貴架 ?  而且會唔會係果D冇咁通行既咭黎架 ?

It is from HSBC, and the interest rate is the same as normal

張家輝

leo54321hk 發表於 2012-10-16 18:17

                               
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It is from HSBC, and the interest rate is the same as normal

咁ok喎~ 你快D問下佢點搞架啦~

kaka674

henryyu 發表於 2012-10-17 12:43

                               
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Please note that Supplementary Card = Subsidiary Card.   I think leo54321hk is asking for a credit ...

I think there is a time limit for a credit bureaus to keep those record under privacy ordinance ????

kaka674

henryyu 發表於 2012-10-22 18:18

                               
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In accordance with the Code of Practice on Consumer Credit Data issued by the Office of the Privac ...

Does it mean that the credit bureau can only keep those records for certain time, not forever.

Does it also apply to those banks/credit card issuers/financial institutes ???

kaka674

henryyu 發表於 2012-10-23 12:36

                               
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回復 kaka674 #15 的帖子

Yes, the credit bureau cannot keep the records forever.  It does not apply  ...

What separate sets of rules and practices ???

kaka674

henryyu 發表於 2012-10-23 19:43

                               
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The Banking Ordinance has not laid down any specific restriction on the retention period.  However ...

That means no time limit for the bank to retain the records if the banks think that is is necessary for the purposes. Am I correct ??  thks

補充內容 (2012-10-23 20:15):

According to my memory, there was a case ( years ago ) between Hang Seng Bank and Privacy Commissioner about the retention period. Finally , Hang Seng Bank had to apologized for non-compliance.

kaka674

henryyu 發表於 2012-10-23 20:47

                               
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回復 kaka674 #19 的帖子

In that particular case, the bank set up a policy of storing the data of ba ...

Thanks henryyu sir.
That means the bank should not retain those records more than 8 years , otherwise, it is out of justification, and the privacy commissioner can and may intervene. ????

kaka674

henryyu 發表於 2012-10-24 07:31

                               
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I don't think 8-year is a hard rule.  The key is "justification".  Whatever the retention period,  ...

If it is a bankruptcy case, how long can the bank keep those record within justification ???, and how long is it out of justification. thks