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The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB. In order to choose the best credit card, you may consider the popularity and offers of the card types, and also the banks, class of the credit cards, as well as the type of the credit cards. Many people own several credit cards to meet different needs now.
In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.
Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.