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During the promotion period, apply for spending or statement instalment through online, and reach the accumulated instalment amount and specified repayment period, can enjoy HK$100 cash rebate. |
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It’s a good idea to make repayments more flexible by splitting larger amounts you have spent, or your entire credit card bill into instalments. Then you can go shopping to your heart’s content! If you apply through BEA Online or the BEA Mobile for instalments, you’ll get a full waiver of the handling fee4! |
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Preferential monthly flat rate as low as 0.25%5 for repayment period of 3-60 months |
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Instalment plans can be applied to any spending of at least HK$200 |
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| Remarks:
1. BEA principal cardholders (the “Cardholders”) who successfully login through the BEA Mobile or BEA Online and apply for “Cash in Hand” Statement Instalment Programme of an accumulated amount of at least HK$15,000 with a repayment period of 12 months or above during the Promotional Period. Terms and conditions apply. 2. “New Customers: (“First Time Applicant”) refers to cardholder who have not successfully applied / held any Statement Instalment Programme between 1st August 2024 and 31st January 2025. 3. Each Cardholder can get a cash rebate of HK$100 within the Promotional Period. 4. The handling fee waiver only applies to the Cardholders who login through the BEA Mobile or BEA Online and apply for the programme. 5. The monthly flat rate of 0.25% is equivalent to an APR of 5.63%, calculated on the basis of an amount of HK$10,000 and a repayment period of 12 months. The APR is calculated according to the standard method set out in the Code of Banking Practice, and is rounded up or down to the nearest 2 decimal places. Please note that the actual APR may differ. 6. The Programme and the eligible transactions are bound by the Terms and Conditions of the “Cash In Hand” Statement Instalment Programme. 7. In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail. |
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Terms and Conditions of "Cash in Hand: Statement Instalment Programme |
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Terms and Conditions of Spending and Statement Instalment Rebate Programme |
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To borrow or not to borrow? Borrow only if you can repay!
