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1. www.promise.com.hk › en › knowledge-on-personal-loanWays to Improve Personal Credit Rating - Promise HK

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   How Personal Credit Rating affects your life? What factors affect your Credit History? Why does Personal Credit Rating impact your life seriously? When you are going to apply for a credit card, loan, mortgage, or even immigration, applicants with a poor Personal

2. www.promise.com.hk › en › knowledge-on-personal-loanPersonal Loan Interest Calculation | Promise HK

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   Use Promise's loan calculator to calculate the repayment amount and repayment period of a personal loan for your reference, and see the cost of your loan clearly at a glance.

3. www.promise.com.hk › en › knowledge-on-personal-loanRepaying 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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4. www.promise.com.hk › en › knowledge-on-personal-loan5 Factors to Consider when Borrowing | Promise HK

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   Personal loans can help you achieve your immediate financial goals; however, they can also affect your future financial plan, so it is important to take the following points into consideration before determining where to borrow so as to choose the most suitable

5. www.promise.com.hk › en › knowledge-on-personal-loanIVA or bankruptcy? Promise offers you another way out ...

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   IVA, an abbreviation for Individual Voluntary Arrangement, is a debt restructuring scheme. An applicant who fails to pay off debt according to the original repayment terms can appoint an accountant or a lawyer as a nominee to apply to the Court for IVA and negotiate with the creditors for a new repayment plan that is affordable.

6. www.promise.com.hk › en › knowledge-on-personal-loanCredit card Trap? Reminder for applying Credit card to pay ...

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   If we use the same credit cards for taxes, tuition fee and other large purchase, will it become convenient while benefit our financial management? In fact, using only one credit card may affect your credit score due to a high credit utilization ratio. The ratio is

7. www.promise.com.hk › en › lenders-ordinanceProvisions of The Money Lenders Ordinance | Promise HK

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   The provisions of the Money Lenders Ordinance (Cap.163 of Laws of Hong Kong) (the "Ordinance") summarised below are important for the protection of all the parties to a loan agreement, and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.