Example – calculation of monthly repayment amount for the Spending Instalment Plan
Assume repaying a credit card transaction of HKD50,000 by 60 months with a monthly handling fee of 0.18%, daily handling fee is only HKD3.00*
|Monthly instalment principal||Monthly handling fee||Monthly repayment amount|
( = HKD50,000 ÷ 60 )
( = HKD50,000 x 0.18%)
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Credit cards let you shop, have fun and enjoy a more convenient life. But they can do more than that if you know how to use them wisely. Here's how to use your credit card to manage your budget.
Cash Instalment Plan
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