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1. www.promise.com.hk › major-purchase-using-credit-card申請信用卡交税、交學費、大額消費前必讀！｜邦民日本財務

   www.promise.com.hk › major-purchase-using-credit-card

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   1. 豁免年費之附帶條件. 隨着市場競爭激烈，大部份發卡機構都會透過豁免1至3年年費，甚至永久免年費的優惠，吸引更多人申請該信用卡作日常消費之用，甚至是以該信用卡交税、交學費或其他大額開支。. 不過世界上哪會有免費午餐，發卡機構或會為免年費 ...

2. www.promise.com.hk › camp特選會員優惠 | 邦民日本財務 - Promise

   www.promise.com.hk › camp

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   特選會員優惠 為感謝您一直以來的支持，邦民現賞您尊貴的特選會員優惠。 申請貸款方法如下： 親臨任何一間邦民分行； 致電24小時會員專線 3199 1111 (按「2」使用循環貸款)； 登入邦民網頁的會員專區辦理循環貸款 特選會員優惠之條款及細則︰ 特選會員須按照本條款及細則成功提取指定貸款金額 ...

3. www.promise.com.hk › en › productPay Off Accumulated Credit Card Debt with Consolidation Loan ...

   www.promise.com.hk › en › product

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   PROMISE helped me clear my large amount of credit card payments at a low interest rate, so I could pay it off faster and save more! Mr. Lam 37 Years Old, Designer I own a small design firm. My company was ready for business, but I lacked the money for ...

4. www.promise.com.hk › impacts-on-late-credit-card-paymentRepaying the Minimum on Credit Cards Only | Promise HK

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   • 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...

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   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...

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   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...

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   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...

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   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...

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5. www.promise.com.hk › product私人貸款服務 | 對應各款周轉需要 | 邦民日本財務 - Promise

   www.promise.com.hk › product

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   24小時會員專線. 提供不同特快即批私人貸款，靈活應付不同財務需要，助您解決現金周轉問題。. 邦民的貸款服務，可網上完成申請手續，全程無需現身，立即了解更多！.

6. www.promise.com.hk › major-purchase-using-credit-cardCredit card Trap? Reminder for applying Credit card to pay ...

   www.promise.com.hk › major-purchase-using-credit-card

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   In fact, using only one credit card may affect your credit score due to a high credit utilization ratio. The ratio is calculated by dividing credit card balance by credit limits. 1) If you have a credit card with HKD 10,000 credit limit and a balance of HKD 7,000, your credit utilization ratio will be 70%.

7. www.promise.com.hk › new-myths-of-credit-card-instalmentMyths of Credit Card Instalment Plan Early Repayment | ...

   www.promise.com.hk › new-myths-of-credit-card-instalment

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   Many people may try to apply personal loan, overdraft credit card, and credit card instalment in order to solve their urgent needs of cash flow. Once the cash flow problem has been solved, some people may want to make an early repayment to save interest expenses.