I have signed up for Integrated Account Service with Hang Seng Bank couple days ago. It is a local bank and has many branches in Hong Kong. Basically, I need a checking account only. However, the bank manager invited me to open the stock account just in case if I wanted to buy stock. Anyway, I did end up sign up for a Stock Account and a credit card. I guess I have self-control and won't over spend or invest.
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