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However, its interest rates are still higher than those of regular secured personal loans.",[],{"_key":1775,"_type":856,"children":1776,"markDefs":1807,"style":885},"k331",[1777,1781,1786,1790,1795,1799,1803],{"_key":1778,"_type":860,"marks":1779,"text":1780},"k324",[],"Alternatively, you can opt for Aspire ",{"_key":1782,"_type":860,"marks":1783,"text":1785},"k325",[1784],"k315","Corporate Cards",{"_key":1787,"_type":860,"marks":1788,"text":1789},"k326",[],", which function as multi-currency debit cards. They offer 1% ",{"_key":1791,"_type":860,"marks":1792,"text":1794},"k327",[1793],"k318","cashback",{"_key":1796,"_type":860,"marks":1797,"text":1798},"k328",[]," and exclusive ",{"_key":1800,"_type":860,"marks":1801,"text":781},"k329",[1802],"k321",{"_key":1804,"_type":860,"marks":1805,"text":1806},"k330",[]," on digital spending. Additionally, Aspire Corporate Cards allow you to spend directly in HKD and USD, helping you avoid foreign exchange (FX) fees when making international payments.",[1808,1810,1812],{"_key":1784,"_type":881,"externalUrl":1809,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fcorporate-card",{"_key":1793,"_type":881,"externalUrl":1811,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fcashback",{"_key":1802,"_type":881,"externalUrl":1813,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Frewards",{"_key":1815,"_type":856,"children":1816,"markDefs":1821,"style":966},"k334",[1817],{"_key":1818,"_type":860,"marks":1819,"text":1820},"k333",[],"Frequently asked questions",[],{"_key":1823,"_type":856,"children":1824,"markDefs":1829,"style":1034},"k337",[1825],{"_key":1826,"_type":860,"marks":1827,"text":1828},"k336",[],"Can I apply for a credit card with bad credit?",[],{"_key":1831,"_type":856,"children":1832,"markDefs":1837,"style":885},"k340",[1833],{"_key":1834,"_type":860,"marks":1835,"text":1836},"k339",[],"Unsecured credit cards may not be available to you if your credit score is bad. It is, however, possible to obtain a secured credit card, but collateral is required. Make sure you check your credit card eligibility in Hong Kong before applying.",[],{"_key":1839,"_type":856,"children":1840,"markDefs":1845,"style":1034},"k343",[1841],{"_key":1842,"_type":860,"marks":1843,"text":1844},"k342",[],"Can you get turned down for a secured credit card?",[],{"_key":1847,"_type":856,"children":1848,"markDefs":1853,"style":885},"k346",[1849],{"_key":1850,"_type":860,"marks":1851,"text":1852},"k345",[],"Yes, if you do not meet the eligibility criteria of the card you are applying for, you may be rejected by the credit card providers. This can be for several other reasons, including errors on your credit card application form or your credit report. A history of inadequate income or bankruptcy could also be one of the reasons.",[],{"_key":1855,"_type":856,"children":1856,"markDefs":1861,"style":1034},"k349",[1857],{"_key":1858,"_type":860,"marks":1859,"text":1860},"k348",[],"How can one increase the credit limit for a secured credit card?",[],{"_key":1863,"_type":856,"children":1864,"markDefs":1869,"style":885},"k352",[1865],{"_key":1866,"_type":860,"marks":1867,"text":1868},"k351",[],"For a secured credit card in Hong Kong, credit card providers may approve 100% of the amount deposited as collateral as the credit limit. So you may not be able to raise it higher than that. There may be differences in policies between credit card providers, so contact their customer service for more information.",[],{"_key":1871,"_type":856,"children":1872,"markDefs":1877,"style":1034},"k355",[1873],{"_key":1874,"_type":860,"marks":1875,"text":1876},"k354",[],"What happens if there is an urgent need for the deposit money?",[],{"_key":1879,"_type":856,"children":1880,"markDefs":1885,"style":885},"k358",[1881],{"_key":1882,"_type":860,"marks":1883,"text":1884},"k357",[],"You will need to settle the outstanding debt and request the card providers to terminate the credit card. Upon completion of that step, you can notify them to release the pledge on your fixed deposit.",[],{"_key":1887,"_type":856,"children":1888,"markDefs":1893,"style":885},"k361",[1889],{"_key":1890,"_type":860,"marks":1891,"text":1892},"k360",[],"However, if you urgently need to access your deposit but still want to use the credit card, you can ask your credit card provider to lower your credit limit so that they can refund part of your security deposit.",[],{"slug":208,"title":209},{"_type":144,"alternativeText":1896,"height":145,"url":1897,"width":147},"Secured Credit Cards: What Are They, How They Work in Hong Kong","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F77e58f17eb7158b2801eb4534daf4a7b\u002Fshared_cover_shared-cover-card.webp",[1899],{"_key":1900,"_type":856,"children":1901,"markDefs":1905,"style":885},"k0",[1902],{"_key":962,"_type":860,"marks":1903,"text":1904},[],"Brands and businesses have highs and lows, but successful ones stay true to their long-term vision. It is, therefore, safe to say that sometimes businesses find themselves in urgent need of cash. When such a situation arises, a credit card can provide a quick solution.",[],[1907,1912],{"_key":959,"_type":856,"children":1908,"markDefs":1911,"style":885},[1909],{"_key":962,"_type":860,"marks":1910,"text":1904},[],[],{"_key":968,"_type":856,"children":1913,"markDefs":1917,"style":885},[1914],{"_key":971,"_type":860,"marks":1915,"text":1916},[],"But unfortunately, most (unsecured) credit cards require a good credit score. So what happens if you or your company doesn't have an established credit score? In that case, you can obtain a secured credit card in Hong Kong.",[],"2025-03-18T00:00:00.000Z",{"_type":139,"metaDescription":1920,"metaTitle":1896,"socialShareImageUrl":1921},"Get a secured credit card in Hong Kong & start building your credit today. Find out how to apply, compare the best options & get them approved fast",{"_type":144,"alternativeText":1896,"height":145,"url":1897,"width":147},"secured-credit-cards-in-hong-kong",1791455350614]