「越簽越FUN」賬單分期計劃（「本計劃」）之條款及細則
「越簽越FUN」賬單分期計劃（「本計劃」）之條款及細則
1. 本計劃 – 本計劃只適用於持有中國建設銀行（亞洲） 股份有限公司（「本行」或「我們」）所發行並有效的指定之信用卡（商務卡及銀聯雙幣信用卡人民幣卡賬戶除外）（「信用卡」）之特選信用卡主卡會員（「閣下」或「信用卡會員」）。
2. 合資格的交易 – 信用卡會員可就任何 HKD1,000 或以上的零售交易，申請 6、12、18、24 或 36 個月分期付款計劃（「合資格交易」） 。
3. 不包括的交易 – 本計劃不適用於任何購買賭場籌碼的簽賬、已逾期及未清還之月結單結欠、現金透支、「免息智快轉賬」、
「免息現金計劃」、其他以分期付款之交易、結餘轉戶金額、費用及/或收費（不論以信用卡或其他原因而產生）、任何未誌賬、已取消或退還之交易及未出賬單之任何交易。在本計劃下之分期付款總額及所有利息不會獲取信用卡之積分。
4. 計劃申請辦法 –
信用卡會員必須根據下列指示及於 2020 年 6 月 30 日或之前（「截止申請日期」）遞交申請給本行：
最早申請日期 | 於有關月結單發出後之第一個工作天 |
最遲申請日期 | 在顯示有關零售交易之月結單上，所指明到期繳款日前四個工作天（星期六除外） |
5. 分期付款限額 – 最高分期付款總額應為本計劃獲批核之時信用卡賬戶（「賬戶」）的可用綜合信用額。我們將從賬戶之綜合信用額預扣起分期付款總額，而可用綜合信用額將隨本行收到還款額（定義詳述於第 6 項條款）後相應地逐步回升。
6. 還款 – 如申請獲本行批核，信用卡會員將會收到通知信。根據信用卡會員在申請時之選擇，分期付款總額將分合共 6、12、 18、24 或 36 個月清還（「還款期」）。我們會以分期付款總額及所有利息之總和，除以還款期之月份數目計算出每月分期付款額(「還款額」)，還款額會每月從賬戶誌賬，而第一期之還款額會於本計劃申請成功批核日的當期賬單日由賬戶誌賬。如閣下未能於每月根據閣下之月結單到期繳款日全數繳付還款額，本行將根據建行（亞洲）信用卡服務收費一覽表為已到期但仍未繳付的還款額收取現行適用之財務費用。
7. 計劃利率 – 本計劃將收取下列利率優惠 :
消費類別 | 分期付款總額 | 計劃利率 （分期付款總 | 實際年利率 (“APR*”) | ||||
額之百分比 %） | 還款期 | ||||||
每月利率 | 6 個月 | 12 個月 | 18 個月 | 24 個月 | 36 個月 | ||
一般消費 | HKD1,000 – HKD14,999 | 0.50% | 10.71% | 11.46% | 11.66% | 11.71% | 11.66% |
HKD15,000 – HKD29,999 | 0.42% | 8.94% | 9.57% | 9.75% | 9.81% | 9.80% | |
HKD30,000 或以上 | 0.35% | 7.40% | 7.94% | 8.10% | 8.16% | 8.16% | |
友邦保險保費 | HKD1,000 或以上 | 0.30% | 6.32% | 6.78% | 6.93% | 6.98% | 7.00% |
*我們的實際年利率（「實際年利率」）之計算方法以香港銀行公會所提供之計算方法作依據, 並已約至小數點後兩個位。實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費。
8. 批核受有關條件限制 – 本計劃之批核將受制於我們的審查賬戶的賬戶狀況及其可用綜合信用額。我們將有權在不須要提供其決定之原因的情況下，批核或拒絕任何申請、決定任何全數分期付款總額、每月分期付款之金額和遞交申請的截止日期。在正常情況下，若計劃之申請被拒絕，信用卡會員會收到專函通知。
9. 不能更改或撤消 – 除非事先得到本行批准，本計劃申請一經處理，信用卡會員不能更改或撤消任何本計劃申請。
10. 終止費用 – 閣下明白及同意本行將保留審核、修改、暫停、取消、終止及/或撤消本計劃及向閣下要求立即償還所有尚欠餘額、 累計利息及所有其他本計劃下須付費用的權利，而不需事先通知閣下。若客戶要求提早將全數分期還款總金額付清，我們會從信用卡會員之賬戶中直接誌賬 HKD500 的終止費用並於下一期發出的月結單中顯示。於上述情況下，分期付款總額將不會以本計劃下之優惠平息計算。本行會按「78 法則」之方式分配每期還款額中的本金與利息之比率（包括已向本行繳付之還款額）。而在本計劃下之所有尚未繳付的一切款項將即時到期並須清還，及從賬戶中誌賬。閣下若有意提早全數還款或需要知道於提早還款或終止之情況下有關每月還款本金與利息之分配，VISA 或萬事達卡信用卡會員請致電客戶服務熱線 317 95533 辦理及查詢; 銀聯雙幣信用卡會員請致電客戶服務熱線 317 95568 辦理及查詢。閣下只可為全數尚未誌賬之兌現金額餘額申請提早還款，並且必須於最少 5 個工作天前通知我們。申請一經提交至本行後，將不得撤回。
11. 本行有權更改本計劃 – 我們保留可隨時更改本計劃及/或其條款及細則之權利，或行使我們的酌情權以取替、取消或撤回本計劃而不須事先通知閣下之權利。
12. 最終決定權 – 我們保留對所有就本計劃有關的事宜及糾紛的最終決定權。我們將不會負責或承擔信用卡會員就本計劃引致或承受的任何申索或責任。
13. 適用性 – 建行（亞洲）信用卡會員合約（「信用卡會員合約」) 內的條款及細則以及建行（亞洲）信用卡服務收費一覽表
（「信用卡服務收費一覽表」）將會分別相應地適用於本計劃及信用卡會員。如它們與本條款及細則有任何衝突或差異，即在合適的範圍內以前者為準。尤其是，每月分期付款的金額將從賬戶中誌賬，並於月結單上顯示，以及由信用卡會員依照信用卡會員合約繳付。
14. 英文版為準 – 本條款及細則中英文版本之間如有任何差異，即以英文版本為準。
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Terms and Conditions for the “FUN Express” Statement Installment Program (“Program”)
1. THE PROGRAM – This Program is only available to selected principal cardmembers (“You”, “Cardmember(s)”) holding valid selected credit cards (except for Business Card and UnionPay Dual Currency Credit Card RMB Account) (“Card”) issued by China Construction Bank (Asia) Corporation Limited ("The Bank", “we”, “us” or “our”).
2. ELIGIBLE TRANSACTIONS – Cardmember may apply for 6, 12, 18, 24 or 36 months installment plans for any retail transaction of HKD1,000 or above made using the Card (“Eligible Transactions”).
3. EXCLUDED TRANSACTIONS – This Program shall not be applicable to any purchase of casino chips, settlement of overdue and unpaid Card balance, cash advance, “Interest-free $martExpress” transactions, “Intestest-Free Advance Cash Out Program” transactions, transaction made by installment, balance transfer amount, fees and/or charges made or incurred (whether incurred in relation to the Card or otherwise), any transactions that are yet to be posted, or are cancelled or reversed and any transactions that the statement is not yet generated. The total installment amount and total interest under this Program will not be eligible for bonus points of the Card.
4. APPLICATION –
All applications must be received by the Bank on or before June 30, 2020 ("Application Deadline"). Cardmembers must submit their applications as follows:
Earliest date of application | 1st working day after the relevant statement is generated |
Latest date of application | 4 working days (excluding Saturdays) immediately before the Payment Due Date specified in the Statement of Account where the relevant Eligible Transaction(s) first appears |
5. INSTALLMENT AMOUNT – The maximum total installment amount shall be the available combined credit limit of a Card account (“Account”). We will hold the combined credit limit of the Account with an amount equal to the total installment amount. The available combined credit limit will be proportionally restored according to the Repayment Amount (as defined in clause 6) paid to the Bank.
6. REPAYMENT – Cardmembers will be notified in writing if their applications are approved by us. The total installment amount will be repaid over periods of 6, 12, 18, 24 or 36 months as specified by the Cardmember at the time of application (“Repayment Period”). We will calculate the monthly installment amount (“Repayment Amount”) by dividing the sum of the total installment amount and total interest by the number of months in the Repayment Period. Repayment Amount will be charged to the Account on a monthly basis, with the first Repayment Amount charged to the Account on the current statement date of the program application approval date. If you fail to pay the Repayment Amount specified in the monthly statement of your Account in full on or before the payment due date of each month, any Repayment Amount due but unpaid will be subject to a finance charge at an interest rate specified in CCB (Asia) Credit Card Fee Schedule.
7. PROGRAM INTEREST RATE – This Program offers the following promotional Interest Rate:
Spending Type | Total Installment Amount | PROGRAM INTEREST RATE | Annualized Percentage Rate (“APR*”) | ||||
(percentage of the total installment loan amount) | Repayment Period | ||||||
Monthly Interest Rate | 6 months | 12 months | 18 months | 24 months | 36 months | ||
General Spending | HKD1,000 – HKD14,999 | 0.50% | 10.71% | 11.46% | 11.66% | 11.71% | 11.66% |
HKD15,000 – HKD29,999 | 0.42% | 8.94% | 9.57% | 9.75% | 9.81% | 9.80% | |
HKD30,000 or above | 0.35% | 7.40% | 7.94% | 8.10% | 8.16% | 8.16% | |
AIA Hong Kong Premium Payment | HKD1,000 or above | 0.30% | 6.32% | 6.78% | 6.93% | 6.98% | 7.00% |
*Our Annualized Percentage Rate (“APR”) is calculated according to the standard of Hong Kong Association of Banks, and is rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate.
8. APPROVAL IS CONDITIONAL – Application approval shall be subject to our checking of the account status and available combined credit limit of the Account. We shall retain all rights in approving or rejecting any application, deciding any total installment amount, monthly installment amount, and the deadline for submitting any application without having to provide a reason for any decision. Rejection will normally be notified by letter.
9. NO CHANGE OR WITHDRAWAL – You may not change or withdraw any application under this Program once it is received for processing unless with our prior approval.
10. TERMINATION FEE – You understand and agree that the Bank reserves the right to review, modify, suspend, cancel, terminate and/or withdraw this Program and demand immediate repayment of the entire outstanding balance, all accrued interests and all other charges payable under this Program without prior notice to you. If you request early repayment of the total installment amount, we will charge you a termination fee of HKD500 by direct debit from the Account, which will be shown in the following monthly statement. In such event, any promotional flat rate under this Program shall not be applicable to the total installment amount, and the Bank shall apportion the interests and the principals in each Repayment Amount (including those already paid to the Bank) in accordance with Rule 78. All outstanding amounts payable by you under this Program shall in such case be immediately due and payable and will be charged to the Account. If you wish to make early full repayment and/or enquire about the apportionment of interests and principal for monthly repayment, VISA or Mastercard Cardmember please contact our Customer Service Hotline at 317 95533; UnionPay Dual Currency Credit Card Cardmember
please contact our Customer Service Hotline at 317 95568. You can only early repay in full the remaining unbilled Cash Out Amount by giving us at least 5 working days’ prior notice, which cannot be revoked upon receipt by the Bank.