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Assuming the credit card debt balance is $20,000. The monthly rate is 2.5% (APR 35.00%) with no new transactions, annual fees and other charges. If you only repay the minimum payment each month, the interest in total can be over HK$40,000, which doubled the amount of credit card debt.
Overdue in credit card payments may not only resulting in a huge amount of interest fee, but also a negative impact on personal credit score and personal development and life. Therefore, you should seek help promptly when there is a problem on paying off the credit card debts.
Updated on 2022.05.31. Whether it is shopping online or in-store consumption, Hong Kong people are used to paying with credit cards. However, this could impose the risk of overspending, resulting in credit card overdraft! When faced with huge credit card debts, many people are unable to repay the full amount due.
When you need personal loans to achieve your financial goals or meet your immediate cash needs, you actually need to know more about loans in order to make responsible financial decisions. Promise provides you with different types of loan knowledge before making any loan applications!
4. Paying Tax. Those who often overspend or live from paycheck to paycheck, might find themselves fell short when it comes to tax season. Compared to paying taxes with credit cards, interest rate of tax loans would be lower, which make applying for a tax loan a popular option during the tax season. 5.
