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2020年1月6日 · 信貸評分 是甚麼？ 其實，當大家申請第一張信用卡或第 一筆貸款時 ，銀行及其他財務公司會把資料發送給環聯作記錄。 自此以後，大家的財務狀況將儲存於環聯資料庫，成為個人信貸報告，以計算出信貸評分。 信貸評分是甚麼？ 免費睇有乜方法？ 信貸評分如何重要？ 信貸評分是根據 個人信貸紀錄資料 ，例如有否準時還款，作出一個「總結大家財務信譽」的評分，隨著信貸提供機構（例如銀行）更新資料，信貸評分亦會不時改變。 信貸評分由1,000至4,000，分為A至J，共10個級別，分數愈高，評級愈高，亦代表著個人財政愈穩健，愈大機會準時還款，詳細劃分見下表： MoneySmart 獨家尊享. 貸款額高達HK$2,000,000. DBS「貸易清」私人貸款. 實際年利率* 6.49% 應付總額.
2019年10月1日 · 選擇銀行戶口. 輸入提款卡個人密碼. 設置5位繳費靈電話密碼，並重按電話密碼作確認. 輸入手提電話（方便將來收取「一次性有效密碼」短訊）及自選8位繳費靈網上密碼，並重按網上密碼作確認. 取回印有繳費靈戶口號碼的收據，即完成申請. PPS申請地點： http://www.ppshk.com/hkt/prt/Web/ch/ 須留意，若用戶連續18個月或以上沒有使用PPS繳費靈服務，戶口會被自動取消。 MoneySmart 獨家尊享. 積分永久有效 | 出iPhone首選必備. 美國運通Explorer® 信用卡. 最低年薪入息. HK$ 300,000. 免費專享環亞機場貴賓候機室. 每年8次. 里數轉換 (合資格外幣簽賬)* HK$2 = 1 里數. 立即申請. 更多資訊.
2024年5月7日 · Best Credit Cards With No Annual Fee: How to Apply for a Credit Card Annual Fee Waiver. As you may know, banks and financial companies rely on credit card annual fees as a source of income. However, ... 7 May 2024.
- Annual Fee
- Programme Fee
- Credit Card Transaction Fee
- Foreign Currency Transaction Fee
- Balance Transfer Fee
- Cash Advance Fee
- Fees For Converting Rewards Points to Miles
Most credit cards charge an annual fee. The ones that charge the highest annual fees tend to be higher-end cards offering more generous rewards in the form of air miles, perks, exclusive memberships or discounts. You can apply for cards that don’t have annual fees, but be sure to check the Terms and Conditions. In some cases, calling the credit car...
Programme fees are charged when cardholders need to join certain programmes. These banks or FIs usually require that you be enrolled in a particular frequent flyer or travel rewards programme, for which you must pay a fee,before you can take advantage of their benefits. Fee amount: HK$300 (one time)
Transaction fee is incurred only when you use your card to make payments, and can be either a fixed fee or vary according to how much you’re charging. Although HK government legislated the fee should not be an extra charge to consumer, merchants normally put this cost in the retail price. Some examples of credit card usage fees include:
This fee is paid when you effect transactions that are outside of Hong Kong, including any spending you make in foreign countries and any internet purchases made on foreign websites. The total fee includes currency conversion (of about 1.95%) as well as an administrative fee (usually up to 2%). This means you’re probably paying over 3% extra, in ad...
These fees are charged when you transfer the balance of a credit card, or even multiple cards, to a second card, usually because it offers a lower interest rate or even a 0% interest rate, usually for a limited period. In order to do that, you’ll have to pay a processing/administrative fee, usually calculated as a percentage of the balance you are ...
Many credit cards can be used to withdraw cash at ATM machines. The money is given to you through a cash advance, and you will pay for it only when your next monthly bill arrives. Cash advances attract transaction fees in addition to daily interest on any outstanding balance. Some cards charge cash advance fees of about 2% to 3%.
Some cards that offer rewards points will enable you to convert these points to frequent flyer miles, for instance at a rate of 1 rewards point = 2 air miles. However, some banks or FIs will require you to pay a conversion fee each time you do so. For instance, you may have to pay, say, HK$50 each time you convert your rewards points to a batch of ...
2024年5月7日 · Best no-annual-fee credit cards in Hong Kong. Credit card annual fees (mostly around HK$600–HK$2,000) can put a dent in your wallet. Luckily, most banks offer fee waivers for new customers, so you can save some dough. However, beware of premium credit cards’ waiver periods.
- Anson Chiu
2021年3月10日 · 如何分辨？ 如何處理？ ChingChing 2021年3月10日. 外傭欠債 或被不法高利貸集團誘騙，以僱主住址借下款項，近年經常發生。 即使其 貸款 款額只是一萬幾千，但由於不法高利貸的年利率高達120%，致外傭無力清還，同時連累僱主被不法高利貸集團滋擾。 哪作為僱主應該如何防範上述事情發生呢？ 如發生了，身為僱主的你應如何處理呢？ 外傭欠債有何特徵？ 外傭若然欠債，每當家中有來電時，均會神色緊張地走到僱主身邊偷聽，原因是她們擔心債主找上門而被解僱。 此外，她們會經常收到電話及短訊，但在僱主面前，會試圖無視來電，或躲起來接聽電話。 外傭欠債如何處理？ 若外傭仍然在職，且被發現未經批准下，以僱主住址借貸，哪僱主可向私隱專員公署投訴，並以「行為不當」為由，終止僱傭合約。
2023年9月1日 · Credit card installment loans can be your lifesaver when it comes to big purchases, especially when you don’t have enough cash. With credit card installments, you can easily split your credit card transactions or statement balance into 6-60 monthly installments.
