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Promise's loans are calculated by daily interest, which means that you only need to pay one day of interest if you only use the loan for one day. How can I reduce my expenditure on interest? Leveraging the diminishing interest based on the deducting principal, you may lower your interest by increasing the repayment amount at anytime or even clear the loan in advance.
2023年12月1日 · About Promise. Since its establishment as a licensed money lender in Hong Kong from 1992, Promise continues to provide convenient financial services to its customers. We put our customers first, providing flexible and trustworthy personal loan solutions to help them relieve their cash flow needs anytime and anywhere.
Promise (Hong Kong) Co., Ltd is a 100% wholly owned overseas subsidiary of SMBC Consumer Finance (hereinafter "SMBCCF"), one of the leading consumer finance institutions in Japan. Established as a licensed money lender in Hong Kong in 1992, Promise (Hong Kong) Co., Ltd inherits the experience of SMBCCF in credit management, operation management ...
The maximum loan amount for "Freelancer" will be HK$100,000. Apply Now. The Personal Revolving Loan has a flexible repayment amount. You don't have to reapply once the loan is approved. Instant transfer resolves your urgent needs now!
- Why You Cannot Overdue in Credit Card Payments?
- Pay Additional Credit Card Interests and Handling Fees
- Impact of Negative Credit History on Credit Scores
- Impact on Your Personal Development and Life
- How to Repay The Credit Card Outstanding Balance Earlier to Save Interest fee?
The reason for paying off the credit card debts on time is simple, as many credit cards' annualized interest rate can be more than 30%. If you do not pay your credit card debts on time, you may be required to pay a huge amount of interest. Apart from the credit card interest, there are several reasons that you shall pay off your credit card debts o...
When you fail to pay the minimum amount before your credit card payment deadline, the card issuer charges you about 1-4% of the balance, or a specified amount (about $100-$400) as an overdue handling fees. At the same time, you also need to pay additional card interest as penalty. Even if you repay the minimum payment every month, you may still nee...
Even if your credit card payment is only a day late, the number of late payment bills will appear in your credit record. This will affect your credit scoreand make it difficult for you to apply for personal loans and mortgages, or get other loans approved when you need it. If you have repaid your credit card bills on time, but not in full (for exam...
If you continue to build up credit card debt, it will bring you psychological and economic stress, affecting the quality of your daily life. At the same time, certain occupations, such as law enforcement authorities, those in the financial industries, and security companies, will understand the job applicant's financial status and financial managem...
To ensure all your credit card bills are repaid, you can shift your different credit card bill payments to land on the same day to minimize the possibility of forgetting payment. In addition, you can also use consolidation loansto repay all your accumulated credit card bills in one go, reducing the impact of late payment. Compared to most credit ca...
Apart from daily expenses, there are still many miscellaneous expenses or instalment repayment required to pay every month, leading to an insufficient cash flow for paying off the credit card bills. Many people are confused with early repayment of instalment plan and credit card bill repayment.
Tertiary Student Loan. Whether it is tuition, accommodation, daily study or living expenses, it is easy for students to lose track of their budgets and be in a real trouble. Promise can help! Our Tertiary Student Loan is specially designed for tertiary and university students in Hong Kong.
