Contract
建行(亞洲)信用卡「信用額套現」分期計劃(「本計劃」)之條款及細則
1. 本計劃 – 本計劃只適用於中國建設銀行(亞洲) 股份有限公司(「本行」或「我們」)所發行而有效的信用卡(公司信用卡除外) (「信用卡」)，並只適用於特選的信用卡主卡會員(「閣下」或「信用卡會員」)。
2. 本計劃申請 – 所有本計劃申請須於 2011 年 10 月 31 日(「結束日」)或之前遞交給本行。
3. 現金兌現金額 –在本計劃下最低現金兌現金額為 HKD3,000, 並須以 HKD1,000 作為倍數。每位信用卡會員於任何時間總現金兌現金額(包括現金兌現本金款額及利息)上限為該信用卡會員於本計劃獲批核時之信用卡賬戶(「賬戶」)的可用信用額。倘若信用卡會員申請現金兌現金額超出閣下賬戶的可用信用額，在妥當收取我們認為需要的所有文件後，我們可使用我們的酌情權批核閣下的申請至閣下可用信用額金額。若有此安排，一般而言我們會通知閣下，但我們並沒有通知閣下之責任。請注意, 本計劃之兌現金額為本行予閣下之貸款。閣下之申請代表接受本計劃之條款及細則，一經批核，不論隨函兌現金額之支票已被提取、存入或兌現與否，閣下都須受本計劃之條款及細則約束償還兌現金額及有關利息費用等。
4. 批核通知 –
a) 我們需要最少 8 個工作天去處理。若申請獲批核，申請人將會收到通知信。經批核之現金兌現總金額將一次過以支票形式寄往閣下之通訊地址或以我們所定之其他形式支付；
b) 如閣下於申請後一個月內未收到任何關於閣下申請之狀況，請致電熱線 317 95518；及
c) 本計劃申請獲批核後，第一期之每月分期還款及每月利息會先於通知信發出日從賬戶中扣除，而其後須按月平均清還(本金款額及利息)。總分期還款金額將於 6、12、24、36 或 48 個月內清還(「還款期」）。
5. 計劃收費 –本計劃提供下列每月利息優惠:
還款期 | 計劃收費 (現金兌現金款額之百分比%) | 實際年利率(“APR＂) |
每月利息 | ||
6 個月還款期 | 0.28% | 5.89% |
12 個月還款期 | 6.32% | |
24 個月還款期 | 6.51% | |
36 個月還款期 | 6.53% | |
48 個月還款期 | 6.51% |
請注意此每月利息優惠：
a) 由我們支付獲批核之分期還款金額日起計算直至閣下全數清還為止 ；
b) 是按照總現金兌現金額計算而不會就閣下已繳付每期還款而逐步減少；及
c) 我們的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。
6. 最終批核受有關條件限制 – 閣下(即申請表上列印之申請人)為特選預先批核之會員(根據我們當時持有的資料)。請注意，申請之最終批核將受制於我們對閣下最近期之賬目狀況之審查，包括閣下於所有時間在本行持有良好之信貸紀錄。我們將有權在不須要提供任何決定之原因及在我們獨有及絕對酌情權的情况下，批核或拒絕
任何本計劃之申請、决定任何現金兌現總金額、每月分期還款之金額及遞交任何本計劃申請的截止日期。一般而言，信用卡會員將收到專函通知其申請被拒絕。此計劃不可轉讓。
7. 信用卡會員不能更改計劃 – 本計劃申請一經處理，申請人不能更改或撤消任何本計劃申請。所有提早繳付本計劃的任何款項將不會被接納。
8. 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。不論如何，本計劃將受本行(在其絕對酌情權下)不時所訂的條款及細則所規限。若賬户 (根據信用卡會員合約所示之任何原因) 被我們終止，或取消或撤消本計劃或要求提早將全數分期還款總金額付清(不論是由客戶提出或按我們要求)，我們可從信用卡會員之賬戶中直接扣除 HKD500 的行政費用並於下個月發出的月結單中顯示。於上述情況下，兌現金額將不會以本計劃下之優惠平息計算。本行有權依其認為合適之方式分配每月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、費用及收費將即時到期並須清還，及從賬戶中扣除。閣下若需要知道於提早還款或終止之情況下有關每月還款之分配，請致電客戶服務熱線 317 95533 查詢。
9. 本行有權更改本計劃 –我們有權隨時更改或終止本計劃(包括在終止日之前)而毋須作事先通知。
10. 最終決定權 – 本行保留對所有就本計劃有關的事宜及糾紛的最終决定權。本行將不會負責或承擔任何信用卡會員就本計劃引致或承受的任何申索或責任。
11. 適用性 – 所有建行(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將會適用於本計劃。如它們與本條款及細則有任何衝突或差異，即以前者為準。尤其每月分期還款的金額將從賬戶中扣除，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。
12. 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。
Terms and Conditions for the CCB (Asia) “Credit Card Cash Out” Program (“Program”)
1. THE PROGRAM – This Program is only available for valid selected Credit Cards (except for Corporate Credit Card) (“Card”) issued by China Construction Bank (Asia) Corporation Limited ("the Bank", “we”, “us” or “our”) and is only available to principal cardmembers of the Cards (“You”, "Cardmember(s)").
2. PROGRAM APPLICATION - All applications under the Program must be received by the Bank on or before October 31, 2011 (“Termination Date”).
3. CASH OUT AMOUNT - The minimum Cash Out Amount drawn under the Program shall be HKD3,000, increased by multiples of HKD1,000. The maximum total Cash Out Amount per Cardmember (inclusive of principal and interest) at any time shall be the available credit limit of a Card account (“Account”) at the time of Program approval. If the total Cash Out Amount requested exceeds your Account’s available credit limit, we may approve your application at our discretion, subject to the receipt of any required documents, but only up to your Account’s available credit limit amount. If we do this, we will normally notify you, but shall have no obligation to do so. Please note the Cash
Out Amount shall be a loan from the Bank to you. You agree to be bound by the terms and conditions of this Program upon your application and approval by us thereof, irrespective of whether or not you have collected, deposited or otherwise utilised the attached cheque of the Cash Out Amount.
4 APPROVAL NOTIFICATION -
a) We need a minimum of 8 working days for processing. If your application under the Program is approved, you will be notified by letter. The approved total Cash Out Amount shall be drawn down in one lump sum, and will be disbursed by cheque via mail to your correspondence address, or in other manner as we may determine; and
b) Please contact us at our hotline 317 95518 if you do not hear from us within a month from the date of your application under the Program; and
c) Upon approval of the application under the Program, we will charge monthly interest together with the first monthly repayment installment amount to the Account on the issuance date of the notification letter, and thereafter in equal installments (of the principal and the monthly interest) on a monthly basis. The total repayment installment amount will be repaid over a total period of 6, 12, 24 , 36 or 48 months (“Repayment Period”).
5 PROGRAM FEES – The Program offers the following promotional fees, being the monthly interest:
Repayment Period (by equal monthly installments) | Fees (percentage of the total cash out amount) | Annualized Percentage Rate (“APR”) per annum |
Monthly Interest | ||
6 month | 0.28% | 5.89% |
12 months | 6.32% | |
24 months | 6.51% | |
36 months | 6.53% | |
48 months | 6.51% |
Please note this promotional monthly interest fee:
a) Runs from the date we disburse the approved Cash Out Amount until your full repayment;
b) Applies to the total Cash Out Amount and will not be reduced upon your repayment of each installment; and
c) Our Annualised Percentage Rate is calculated according to the standard of Hong Kong Association of Banks, and is rounded up/down to the nearest two decimal places.
6 FINAL APPROVAL IS CONDITIONAL – You are (as the applicant named on the pre-printed application form) selected for “pre-approved” status (based on information that was then available to us). Please note that the final approval is subject to our being satisfied with an updated status checking, including your other financial facilities with us remaining in good standing at all times. We shall have all rights in approving or rejecting any application under the Program, deciding any total Cash Out Amount, monthly repayment installment amount, and the deadline for submitting any application under the Program at our sole and absolute discretion without having to provide a reason for any decision. Rejections will normally be notified by letter. The Program is non- transferable.
7 NO CHANGE BY CARDMEMBER - An applicant may not change or withdraw any application under the Program once it is received for processing. No early repayment of any amount under the Program will be allowed.
8 TERMINATION FEE - You understand and agree that the Bank reserves the right to review, modify, suspend, cancel, terminate and/or withdraw the Program and demand immediate repayment of the entire outstanding balance, all accrued interest and all other charges payable under the Program without prior notice to you. In any event the Program will be subject to the Bank’s terms and conditions as prescribed by the Bank, in its absolute discretion, from time to time. If we terminate an Account (for whatever reason in accordance with the Cardmember Agreement), or terminate or withdraw the Program, or either the Cardmember requests or we require the early repayment of the total installment amount, we will charge the Cardmember an administration 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 the Program shall not be applicable to the total Cash Out Amount, and the Bank has the right to apportion the monthly repayments (including those already paid to the Bank) between interests and principals as the Bank deems appropriate. All outstanding amounts, fees and charges payable under the Program shall in such case be immediately due and payable and we may charge these and any other amounts due to the Account. If you wish to enquire about the apportionment of monthly repayments in the case of early repayment or termination, please contact our customer service hotline at 317 95533.
9 PROGRAM VARIATION BY THE BANK – We may vary or discontinue the Program at any time (including before the Termination Date) without any prior notice.
10 FINAL DECISION - We retain the final decision in all matters and disputes in relation to the Program, and shall not be responsible or liable for any claims or liability in relation to use of or availability of the Program howsoever suffered or incurred by any Cardmember.
11 APPLICABILITY - All terms and conditions of the CCB (Asia) Credit Card Cardmember Agreement (“Cardmember Agreement”) together with the CCB (Asia) Credit Card Fee Schedule shall apply and shall prevail if there is any conflict or inconsistency with these Terms and Conditions. In particular, every monthly repayment installment amount shall be charged to the Account and shown in the Statement of Account and be payable by the Cardmember in accordance with the Cardmember Agreement.
12 ENGLISH VERSION PREVAILS - In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.