A: It is absolutely impossible to get all credit cards and private loans during bankruptcy! Because the identity of the bankrupt will be known to all banks and financial companies in Hong Kong (the bankrupt's information will be recorded in the Official Receiver's Office and Huanlian Credit Information Database), credit card and loan services will never be provided!
Suppose a bank doesn't know the identity of the bankrupt for the time being, and grant him a credit card or loan! Bankrupts should never accept and use it! Because the Bankruptcy Ordinance clearly stipulates that bankrupts are not allowed to use credit cards or accept loans exceeding 100 yuan! If you accept and use these services without telling the other party that you are bankrupt (of course, tell the other party that you are bankrupt and the other party will never approve), you may be accused of fraud! Please refer to the following information!
Without the approval of the court or the Official Receiver's Office, the bankrupt may not directly repay individual creditors. Bankrupts should immediately stop using credit cards or applying for loans from financial institutions, and stop paying premiums for their life insurance.
Some bankruptcy crimes that will lead to imprisonment are briefly described as follows:
Bankruptcy regulations
(Chapter 6 of the Hong Kong Act)
Summary of crime content
punish
13 1
Bankrupts who have not been discharged from bankruptcy get credit.
If the bankrupt obtains a credit of $65,438+000 or more from anyone alone or jointly with others, and the bankrupt fails to inform the credit provider that he has not been discharged from debt before, it is a crime.
The maximum penalty is two years' imprisonment.
oro/cht/publications/bank guide # 10
As for whether you can get credit cards and bank loans after bankruptcy expires? Can't say absolutely not, but the probability is very low! Some people say that AEON will issue credit cards to bankrupt people, but there are also cases of rejection! According to my own experience, it is almost impossible! Of course, if you have large time deposits or other collateral, banks also have the opportunity to issue credit cards and loans to you! Reference: cecimak's experience and understanding as a bankrupt! I hope I can help you! It is safe and convenient to apply for a loan.
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[mailbox protection], it should be ~
However, a friend of mine applied for a credit card after the left bankruptcy period! ,