Flexible credit card payment
You can choose to settle minimum payment of your credit card statement with financial charges on daily interest basis.
HK$300 or the minimum payment, whichever is lower, per statement cycle.
To borrow or not to borrow? Borrow only if you can repay !
If the statement balance of a statement is not paid in full on the payment due date, then you will subject to below charges:
The outstanding statement balance will be subject to a finance charge calculated and accrued on a daily basis from the day after the date of the statement; and
Every new transaction posted to the card account after the date of that statement will also be subject to the financial charge accruing from the date such transaction is posted to your card account
If you fail to pay the minimum payment on the payment due date as specified in any monthly statement, then:
Your card account will be regarded as in a delinquent status,
A late fee and a finance charge (adjusted by a delinquency adjustment rate, if applicable) will be charged at the rate shown in the Fee Schedule or any other notice; and
We may suspend your use of the card and/or card account
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