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* According to TNS Banking Study 2005 - 2016, among personal banking customers of the 8 major banks in Hong Kong.

 

Note: Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong.

To borrow or not to borrow? Borrow only if you can repay!