34.58%* when you open your account and it will be reviewed from time to time. We will not charge you finance charge if the statement balance is paid in full by the payment due date each month. Otherwise, finance charge will be charged on (i) the outstanding statement balance from the day after the date of that statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered after the date of that statement) from the date such transaction is posted on a daily basis until payment in full.  

Unless otherwise specified, finance charge on internet bill payment, JET payment or bill payment through our customer services hotline /mobile application ("Bill Payment") will be charged on the same basis and APR as Retail Purchase. For Bill Payment of the merchant category of "Security Broker" or fund transfer through our mobile application, finance charge will be charged on the same basis as Retail Purchase at the APR of 34.58%^#*  (when you open your account, subject to review from time to time). For Bill Payment of the merchant categories of "Banking and Credit Card Services", "Credit Card Payment" and/or "Credit Services", finance charge will be charged at the APR of 33.73% from the date a Bill Payment is made until the date of actual repayment.

• Up to 60 days
• No interest-free period on cash advance, Balance Transfer, Funds Transfer and bill payment transaction to merchant categories of “Banking and Credit Card Services”, “Credit Card Payment” and/or “Credit Services”

1. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account;
2. any amount in excess of the credit limit incurred after last statement date; and
3. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account;