Make late payment

You will subject to pay the late fee and financial charges if you cannot make your card payment before or on due date.

Forget to pay your statement balance on time

If you forget to pay the full statement balance or minimum payment on the payment due date as specified in any monthly statement, then:

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
Your card account will be regarded as in a delinquent status,
A late fee and a finance charge 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

You need to settle your credit card outstanding balance as soon as possible with several payment methods.

Item	Scale
Minimum Payment	If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: All charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of card account; Any amount in excess of the credit limit incurred after last statement date; and 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the card account Or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Fee	HK$350 or the minimum payment, whichever is lower, per statement cycle.
Finance Charge	Annualised Percentage Rate (APR) for Retail Purchase: 34.58% when you open your account and it will be reviewed from time to time. APR for Cash Advance: 35.94% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction until payment in full. For details, please refer to "Key Facts Statement (KFS) for Credit Card".

Item

Scale

Minimum Payment

If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings:
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
Or HK$300, whichever is higher plus any outstanding minimum payment.

If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.

Late Fee

HK$350 or the minimum payment, whichever is lower, per statement cycle.

Finance Charge

Annualised Percentage Rate (APR) for Retail Purchase: 34.58% when you open your account and it will be reviewed from time to time.
APR for Cash Advance: 35.94% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction until payment in full.
For details, please refer to "Key Facts Statement (KFS) for Credit Card".

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

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