1. Major banks in Hong Kong have very strict requirements on the information of credit card applicants, and credit cards of different grades are only approved by evaluating the applicant's assets and income.

For example, in Hong Kong, it is generally said that a gold card needs an annual salary of HK$ 60,000, a platinum card needs 1.5 million, and a platinum card of some big banks needs 250,000. The most distinguished black card can only be applied by a few customers invited by the bank.

2. To apply for a credit card, you generally need to provide the bank with the bank statement for the last three months, the payroll for the last three months, and the ID card of a Hong Kong resident. If you are not a permanent resident, you need to provide an additional work visa, a company letter, and a work contract if necessary.

In addition to the above approval conditions, the bank mainly depends on how many assets you have and whether your credit record is good or not. For example, the bank where you apply for a credit card happens to be the bank where your current account, fixed account, insurance account, stock account and capital account are located, so the probability of applying is much higher.