A secured credit card works like any credit card where the main difference is an upfront deposit required to secure your credit limit.

Please note that when your Reap Card is a secured credit card, the collateral you placed is locked, so the collateral should not be used for repayment.

Every month by the 20th you’ll have to repay all the transactions you made in the previous month. To understand the billing cycle, please refer to this page.

We accept repayments in different currencies and methods, please refer to our HKD card repayment guide for more details.

We only touch the collateral under two circumstances.

1) When you want to stop using our services / reduce the credit limit, we will refund the deposit.

2) When you fail to repay us, we reserve the right to use the deposit to liquidate the collateral to pay the outstanding balances.