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The number of credit cards is proportional to the number of purchases to a certain extent. Many people apply for multiple credit cards in order to get discounts on different consumption, such as movie tickets, concert tickets, hotel buffets, etc.
The maximum loan amount is 9 times the average monthly income of the applicant before unemployed or jobless, with the limit of HK$100,000. The annual percentage rate is only 1%, with maximum repayment period extended from 6 years to 10 years.