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 (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
You need to settle your credit card outstanding balance as soon as possible with several payment methods.
HK$300 or the minimum payment, whichever is lower, per statement cycle.
To borrow or not to borrow? Borrow only if you can repay !
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