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"Everything Can-Installment" Program
"Everything-Can-Installment" Program

Chong Hing Credit Card presents a brand new "Everything-Can-Installment" Program and you can enjoy repay your spending at ease by installment!

From now till 31 December 2017, spend with your Chong Hing Credit Card# or transfer the outstanding balance from other bank’s credit card account to your Chong Hing Credit Card##, you can enjoy the following privileges:

  • Platinum / Diamond / Titanium Cards are exclusively entitled to 6-month installment period* with the first HK$10,000 installment amount free from interest and handling charges. No interest will be charged for the remaining amounts with just a 0.2% monthly handling fee
  • Gold / Classic Cards are entitled to 6-month installment period* with the first HK$5,000 installment amount free from interest and handling charges. No interest will be charged for the remaining amounts with just a 0.3% monthly handling fee

 

Flexible repayment period: with a choice of 6/12/18-month installment period, you can repay your installment amount at ease

Easy application:

  • Installment for the Chong Hing Credit Card spendings: call the application hotline 7 working days prior to the payment due date of your Chong Hing Credit Card
  • Installment for the outstanding balance of other bank’s credit card account: complete and fax the ‘Balance Transfer with “Flexi-installment”’ Plan application form to 3768 1818 or call the application hotline

Application Hotline: 3768 8888

# Only applicable to the outstanding balance on retail transaction(s) and octopus upload amount printed on the latest Chong Hing Credit Card statement. UnionPay Dual Currency Credit Card is only applicable to the HKD Card account.
## Upon application, the outstanding balance(s) on cardholder’s all latest Chong Hing Credit Card statements under his / her name must be settled and no outstanding cash advance is found.
* The installment amount shall be in a minimum of HK$1,000 for each application and shall not exceed 5 applications (subject to the maximum amount to be entitled by different card types). The installment amount free from interest and handling charges for this program will be combined for both principal and supplementary card. If cardholder is holding more than one Chong Hing Credit Card, the interest-free and handling fee waiver installment program is only applicable to the first credit card being applied for the program. The installment amount free from interest and handling charges is only applicable to the first HK$10,000 (for Platinum / Diamond / Titanium Cards) and the first HK$5,000 (for Gold / Classic Cards).
"Everything Can Installment Program" Terms and Conditions:
  1. The Cardholder (except holder of Corporate Card and Supplementary Card) may apply to Chong Hing Bank Limited (“Bank”) for This Program. Applications shall be governed by these terms and conditions, terms in the application form and the Credit Card Cardholder Agreement with the Bank ("Agreement"), and these terms and conditions shall prevail in case of any conflict among their provisions. Unless otherwise specified, capitalized terms used herein shall have the same meanings ascribed to them in the Agreement.
  2. Only retail and octopus upload transactions indicated on the Cardholder’s credit card monthly statement and / or the outstanding balance transferred from other bank’s credit card account to Chong Hing Credit Card account via the ‘Balance Transfer with “Flexi-installment”’ Plan are entitled for this Program. Other transactions such as cash advances, casino chips, revolving balances, any installment transactions, interest fees and finance charges are not applicable for This Program.
  3. i)
    Chong Hing Credit Card (Platinum Card / Titanium Card) / Chong Hing China UnionPay Dual Currency Credit Card (Diamond Card) cardholder who applies for installment amount of HK$10,000 or below is entitled to a 6-month installment period free from interest and handling charges throughout the year 2017. For installment amount exceeding HK$10,000, it is subject to a monthly handling fee of 0.2% with choice of tenors 6 / 12 / 18-month (APR : 4.18%, 4.49% or 4.59% respectively).
    ii)  Chong Hing Credit Card (Gold Card / Classic Card) / Chong Hing China UnionPay Dual Currency Credit Card (Gold Card) cardholder who applies for installment amount of HK$5,000 or below is entitled to a 6-month installment period free from interest and handling charges throughout the year 2017. For installment amount exceeding HK$5,000, it is subject to a monthly handling fee of 0.3% with choice of tenors 6 / 12 / 18-month (APR : 6.32%, 6.78% or 6.93% respectively).
    iii)  For onwards Chong Hing Credit Card (Platinum Card / Titanium Card) / Chong Hing China UnionPay Dual Currency Credit Card (Diamond Card) cardholder installment application of any amount, it is subject to a monthly handling fee of 0.2% with choice of tenors 6 / 12 / 18-month (APR : 4.18%, 4.49% or 4.59% respectively).
    iv)  For onwards Chong Hing Credit Card (Gold Card / Classic Card) / Chong Hing China UnionPay Dual Currency Credit Card (Gold Card) cardholder installment application of any amount, it is subject to a monthly handling fee of 0.3% with choice of tenors 6 / 12 / 18-month (APR : 6.32%, 6.78% or 6.93% respectively).
  4. The Cardholder shall repay his approved installment amount and tenor by equal monthly installments (each a "Monthly Installment") provided always that the fractions (if any) of the Monthly Installments (except the last Monthly Installment) shall be aggregated and paid together with the last Monthly Installment. The Bank is irrevocably authorised by the Cardholder to debit the first Monthly Installment from the Cardholder's Card Account at the time of advance of the installment amount, which will be reflected in the next following credit card account statement, and to apportion the Monthly Installments among interest, principal and other sum payable by the Cardholder as the Bank shall absolutely see appropriate. If the Cardholder prepays the installment amount, whether partially or in full, an additional administration fee of HK$250 shall be payable by the Cardholder to the Bank immediately and such amount will be debited from the Cardholder’s Card Account without prior notice.
  5. Unless the Bank otherwise agrees, an application for This Program, once submitted, shall not be withdrawn or varied. The Cardholder acknowledges that the Bank has the sole discretion to reject any application or any part thereof without disclosing any reason and all documents submitted in relation to the application will not be returned.
  6. The installment amount shall be in a minimum of HK$1,000 but shall not exceed 100% of the credit limit or the credit limit available to the Cardholder under his Card (whichever is lower). The credit limit will be deducted from the Cardholder’s Card Account accordingly. Under all circumstances, the Bank has the absolute right to approve / reject the application and to determine the installment amount which it may grant ("Installment Amount") and the Cardholder agrees to borrow the Installment Amount notwithstanding that the Installment Amount granted may be less than the amount applied by the Cardholder.
  7. The Cardholder irrevocably authorises the Bank to automatically advance the approved Installment Amount to the Cardholder after the Bank’s approval of his application by way of direct transfer into the Cardholder’s Chong Hing Credit Card account. If the application is approved, the Bank will send the Cardholder a confirmation letter notifying him that proceeds of his Installment amount approved has been credited into his designated Chong HIng Credit Card account with details. The Cardholder shall in all circumstances be responsible for all fees and charges relating to the Installment Amount once his application has been approved.
  8. The Cardholder agrees and irrevocably authorizes the Bank to debit all Monthly Installments, handling fees and other charges (if any) to his Card Account from time to time. For this purpose, the Cardholder shall reserve sufficient credit limit in his Card Account. The Bank shall be entitled to debit any of the above sum to the Cardholder's Card Account in excess of its credit limit and the Cardholder shall forthwith be liable to settle the whole balance outstanding and to pay an over limit fee in accordance with the terms and conditions of the Agreement.
  9. All Monthly Installments, handling fees and other charges (if any) shall be treated in way of retail spending / purchase made by the Cardholder and all interests, finance charges and other fees (if any) shall be levied thereon in accordance with the relevant provisions of the Agreement.
  10. The Bank reserves the right to impose a handling charge in relation to processing of the Installment Amount in such amount as notified to the Cardholder from time to time. The Bank is entitled to deduct the amount of such handling charge from the Installment Amount or to advance such handling charge in addition to the Installment Amount to form part of the Installment Amount, to which interest shall be charged to and payable by the Cardholder.
  11. The Bank reserves the overriding right to demand full repayment of the outstanding balance of the Installment Amount together with all interests, finance charges and other fees (if any) at any time whether any part thereof is reflected in a credit card account statement or due and payable at the time of such demand. The Installment Amount shall be immediately repayable upon termination of the credit card account for whatever reason (whether by the Cardholder or the Bank) and an additional administration fee of HK$250 shall be payable by the Cardholder. In any of the above events, the remaining outstanding of the Installment Amount shall be immediately debited from the Cardholder's credit card account.
  12. The Cardholder warrants to the Bank that all information and documents provided to the Bank in respect of the application of the Installment Amount are true, accurate and up-to-date and undertakes to notify the Bank of any change to those information and/or documents immediately.
  13. The Bank reserves the right to vary or supplement any of these terms and conditions from time to time with prior notice by way of display at the Bank’s premises, website or such other method as the Bank may see appropriate. If the Cardholder does not fully repay the Installment Amount, all interests, finance charges and other fees (if any) prior to the end of such notice period, the Cardholder shall be deemed to have agreed to such variation and supplements.
  14. The Bank has sole discretion to determine any matter in connection with the Installment Amount and any such determination shall be conclusive, final and binding on the Cardholder, but excluding cases otherwise caused by any fraud, wilful default or gross negligence on the part of the Bank, its authorised employees or agents.
  15. No extra bonus points, cash rebate or other reward programs of the Bank in respect of the Installment Amount will be granted to the Card Account.
  16. The Cardholder agrees and authorises that the Bank may access and obtain data and documents of the Cardholder held with any third party including but without limitation to his employer, creditors and credit reference agency on any matter in relation to the Cardholder’s application and the Installment Amount. The Cardholder acknowledges that he is subject to the Bank’s Notice to Customers and other Persons relating to the Personal Data (Privacy) Ordinance and data policies of the Bank.
  17. If there is any conflict or inconsistency between the Chinese and the English versions of these terms and conditions, the latter shall prevail.
  18. These terms and conditions shall be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China.
24-hour Customer Services Hotline:
(852) 3768 8888
24-hour Customer Services Hotline:
(852) 3768 8888
Merchant Service Hotline:
(852) 3768 8822
Report Lost Card Hotline:
(852) 3768 8811
Email:
customerservice@chbank.com

Reminder:
To borrow or not to borrow?
Borrow only if you can repay!