11. Hang Seng reserves the right to revise the above-mentioned finance charge and handling fee from time to time. The exact handling fee charged to Ca

Size: px

Start display at page:

Download "11. Hang Seng reserves the right to revise the above-mentioned finance charge and handling fee from time to time. The exact handling fee charged to Ca"

锹籍
5 years ago
Views:

1 Terms & Conditions for Hang Seng Credit Card Interest-free Spending Instalment One-off Handling Fee Plan for Online Tax Payment 1. Only Hang Seng credit card principal card cardmember ( Cardmember ) is eligible to apply for the Interest-free Spending Instalment One-off Handling Fee Plan for Online Tax Payment ( Online Tax Payment Instalment ). The Online Tax Payment Instalment is not applicable to Supplementary Card, Renminbi Credit Card, Business Card, Commercial Card, e-shopping MasterCard, Spending Card, USD Visa Gold Card and private label card. 2. Cardmember must apply for Online Tax Payment Instalment from 1 December 2018 to 28 February 2019 ( Promotion Period ). 3. Online Tax Payment Instalment is only applicable for payment of personal or third party tax bills via Hang Seng Personal e-banking Online Bill Payment Service by Credit Card. Cardmember must apply for Online Tax Payment Instalment after the online tax payment is posted and within 9 working days prior to the corresponding credit card statement due date. Cardmember can apply for Online Tax Payment Instalment separately for each online tax payment transaction, no restriction on the number of application. 4. If cardmember cancels the corresponding online tax payment transaction, or amend the scheduled tax payment date and/or payment amount subsequent to the Online Tax Payment Instalment application, Hang Seng Bank Limited ( Hang Seng ) may not be able process the Online Tax Payment Instalment application. 5. A one-off handling fee will be charged for each Online Tax Payment Instalment. The one-off handling fee is calculated based on the Instalment Plan amount, details are as follows: Approved Instalment Plan Amount (Application have to be submitted separately for each online tax payment transaction) 6-month instalment One-off Handling Fee 12-month instalment >HKD 3,000 HKD 10,000 HKD 100 HKD 200 >HKD 10,000 HKD 20,000 HKD 200 HKD 400 >HKD 20,000 HKD 30,000 HKD 300 HKD 600 >HKD 30,000 HKD 50,000 HKD 500 HKD 1,000 >HKD 50,000 HKD 100,000 HKD 1,000 HKD 2,000 >HKD 100,000 HKD 150,000 HKD 1,500 HKD 3,000 >HKD 150,000 HKD 200,000 HKD 2,000 HKD 4,000 The one-off handling fee will be debited from the credit card account upon the Online Tax Payment Instalment is processed. 6. The Online Tax Payment Instalment amount shall be denominated in Hong Kong Dollars. All currency conversions (if necessary) shall be calculated at the rate of exchange determined by Hang Seng on the relevant date of conversion fixed by Hang Seng. 7. Cardmember hereby instructs and authorizes Hang Seng upon the Cardmember s application for the Online Tax Payment Instalment is processed to: (a) once-and-for-all credit the approved Online Tax Payment Instalment amount to the Hang Seng credit card account specified by the Cardmember ( Credit Card Account ); (b) hold the credit limit of the Credit Card Account with an amount equivalent to the Online Tax Payment Instalment amount and the total handling fee payable by the Cardmember to Hang Seng until the last instalment amount is settled; (c) debit the Online Tax Payment Instalment amount from the Credit Card Account by 6 or 12 consecutive monthly instalments, commencing from such date as Hang Seng may prescribe at its discretion. The first instalment amount and the one-off handling fee will be debited from the Credit Card Account immediately or on the date that Hang Seng may prescribe at its discretion; and (d) proportionally reduce the hold amount from the credit limit of the Credit Card Account every month after Hang Seng successfully debits the Credit Card Account with the instalment amount due. 8. Hang Seng will not accept the following Online Tax Payment Instalment applications: (a) the amount of the Online Tax Payment Instalment applied is less than HKD3,000 or larger than HKD200,000; or (b) the Credit Card Account is in overdue status or delinquent status. 9. Hang Seng reserves the right to accept or decline any application without giving any reason therefor. 10. No finance charge is payable by the Cardmember who makes full repayment of the statement balance specified in the Cardmember s credit card account statement on or before the payment due date of each month. If the Cardmember fails to make full repayment of the statement balance specified in the Cardmember s credit card account statement on or before the payment due date of each month, the Cardmember shall pay a finance charge on all outstanding balance on the credit card account pursuant to the relevant Hang Seng credit card cardmember agreement ( Cardmember Agreement ) governing the use of the credit card account. The Cardmember shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to the credit card account from the post date of such monthly instalment. SITAX (12/2018) PDF E (CL)

2 11. Hang Seng reserves the right to revise the above-mentioned finance charge and handling fee from time to time. The exact handling fee charged to Cardmember is the current published rate determined by Hang Seng upon application received. 12. Notwithstanding any provisions in these Terms and Conditions, Hang Seng shall be entitled at any time with notice to the Cardmember to, (a) suspend or terminate the Instalment Plan; and/or (b) revise or add further provisions to these Terms and Conditions. 13. The approval process of the Online Tax Payment Instalment application will be start once the corresponding online tax payment transaction is posted. Under normal circumstances, it will take 7 working days to process the application. If consideration of increasing credit limit is required, it will take 9 working days to process the application. The Cardmember will be notified of the result by separate post. If application for the Online Tax Payment Instalment is submitted less than 9 working days prior to the payment due date of the relevant credit card statement, the Cardmember should not rely on the approved Online Tax Payment Instalment amount (if any) to be credited to the Credit Card Account for repayment and should make payment to settle the credit card statement on or before the payment due date if appropriate. The Cardmember will be responsible for any finance charge, late charge or other liabilities or losses which may be incurred due to late payment in any event. 14. Hang Seng reserves the right to cancel or terminate Online Tax Payment Instalment at any time (including but not limited to below conditions) with reasonable notice and demand Cardmember to repay all outstanding of Online Tax Payment Instalment immediately (i.e. all unpaid outstanding principle, handling fee and other charges of the Online Tax Payment Instalment): (i) Cardmember breaches any of these Terms and Conditions or Cardmember Agreement; (ii) Credit Card Account is delinquent or Cardmember fails to repay any debt upon demand by Hang Seng; (iii) Credit Card Account or Online Tax Payment Instalment is cancelled by Cardmember or terminated by Hang Seng, or on the Cardmember s bankruptcy or death. Notwithstanding any terms hereof, upon termination of the Credit Card Account or Online Tax Payment Instalment for any reason, all outstanding of the Online Tax Payment Instalment will become due and payable immediately and will be automatically debited from the Credit Card Account. 15. No Cash Dollars will be offered on the handling fee and monthly instalment amounts of the Online Tax Payment Instalment. 16. These Terms and Conditions shall form part of the Cardmember Agreement and shall be construed accordingly. In case of any inconsistency between these Terms and Conditions and the Cardmember Agreement, these Terms and Conditions shall prevail. 17. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region. 18. These Terms and Conditions are subject to prevailing regulatory requirements. 19. No person other than the Cardmember and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Right of Third Parties) Ordinance to enforce or enjoy the benefit of any provisions of these Terms and Conditions. 20. In case of any discrepancy between the English and Chinese versions of the terms and conditions, the English version shall prevail. Note: The remuneration packages of our direct sales staff and authorized agents (including basic salary and incentive) are based on the performance of various aspects, and not only sales-oriented. Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. To borrow or not to borrow? Borrow only if you can repay! SITAX (12/2018) PDF E (CL) Hang Seng Bank Limited

3 恒生信用卡免息簽賬及消費分期一筆過手續費計劃 ( 網上交稅 ) 之條款及細則 1. 只有恒生信用卡主卡會員 ( 會員 ) 方可申請免息簽賬及消費分期一筆過手續費計劃 ( 網上交稅 )( 網上交稅分期 ) 網上交稅分期計劃不適用於附屬卡人民幣信用卡公司卡商務卡 e-shopping 萬事達卡消費卡美元 Visa 金卡及專享卡 2. 會員需於 2018 年 12 月 1 日至 2019 年 2 月 28 日期間 ( 優惠期 ) 申請網上交稅分期計劃 3. 網上交稅分期計劃只適用於以信用卡透過恒生個人 e-banking 網上繳費服務繳付個人或第三者之稅項會員需於網上繳交稅項誌賬之信用卡月結單到期繳款日 9 個工作天前申請網上交稅分期計劃會員可為每一次網上繳交稅項獨立申請一次網上交稅分期計劃, 申請次數不限 4. 如會員於遞交網上交稅分期計劃申請後取消有關之網上繳交稅項, 或更改其預設繳付日期及 / 或金額, 恒生銀行有限公司 ( 恒生 ) 有機會無法處理而取消網上交稅分期計劃申請 5. 每項網上交稅分期計劃均須繳付一次性手續費一次性手續費按有關分期計劃金額計算, 詳情如下 : 獲批核之分期計劃金額 ( 可每次網上交稅獨立申請 ) 一次性手續費 6 個月分期 12 個月分期 >HKD 3,000 HKD 10,000 HKD 100 HKD 200 >HKD 10,000 HKD 20,000 HKD 200 HKD 400 >HKD 20,000 HKD 30,000 HKD 300 HKD 600 >HKD 30,000 HKD 50,000 HKD 500 HKD 1,000 >HKD 50,000 HKD 100,000 HKD 1,000 HKD 2,000 >HKD 100,000 HKD 150,000 HKD 1,500 HKD 3,000 >HKD 150,000 HKD 200,000 HKD 2,000 HKD 4,000 一次性手續費將於申請獲處理後從有關信用卡戶口內扣除 6. 網上交稅分期計劃金額將以港元作貨幣單位所有幣值換算 ( 如有需要 ) 將於恒生訂定之有關換算日期按恒生決定之匯率計算 7. 會員現指示及授權恒生, 當會員之網上交稅分期計劃申請獲處理後 :(a) 一次過將獲批核之網上交稅分期計劃金額存入會員指定之恒生信用卡戶口 ( 信用卡戶口 );(b) 從信用卡戶口凍結相等於網上交稅分期計劃金額及會員需支付予恒生之手續費全數之信用限額直至最後一期供款完畢為止 ;(c) 由恒生全權決定之日期按網上交稅分期計劃金額全數分 6 期或 12 期之期數於信用卡戶口連續按月支取第一期供款及一次性手續費將於網上交稅分期計劃申請獲處理後即時或按恒生全權決定之日期於信用卡戶口支取 ; 及 (d) 於每月成功支取會員之供款後, 按比例將凍結之信用限額按月逐步減除 8. 恒生將不接納以下之網上交稅分期計劃申請 ( 以每次申請計 ).. (a) 申請之網上交稅分期計劃金額少於 HKD3,000 或大於 HKD200,000; 或 (b) 信用卡戶口內賬項已逾期還款或超逾可用信用額 9. 恒生有權接納或拒絕任何申請, 而毋須給予解釋 10. 會員每月於到期繳款日或以前全部清還會員之信用卡戶口結單所訂明之總結欠, 會員毋須繳付任何財務費用倘若會員未能每月於到期繳款日或以前全部清還會員之信用卡戶口結單所訂明之總結欠, 會員須就該信用卡戶口內之所有結欠按規限信用卡戶口使用之相關恒生信用卡會員合約 ( 會員合約 ) 支付財務費用會員須就任何到期未付之每月供款支付由該每月供款過賬日起計以當時適用於信用卡戶口之利率計算之財務費用及其他費用 11. 恒生保留不時調整上述財務費用及手續費之權利會員需繳付之手續費將以恒生收到會員之網上交稅分期計劃申請當日, 恒生所公佈為準 12. 即使本條款及細則有其他條文規定, 恒生有權隨時通知會員 :(a) 暫停或停止該等網上交稅分期計劃 ; 及 / 或 (b) 修訂或增補本條款及細則 13. 網上交稅分期批核程序將於有關之網上繳交稅項誌賬後隨即開始一般情況下, 申請需時 7 個工作天辦理, 若恒生需酌情為會員提升信用額, 有關申請則需時 9 個工作天辦理會員將獲另函通知批核情況若申請網上交稅分期計劃之日期與有關信用卡月結單到期繳款日少於 9 個工作天, 會員不可依賴獲批核之網上交稅分期計劃金額 ( 如有 ) 存入信用卡戶口作為繳付信用卡結欠之用, 並須於到期繳款日或以前繳付信用卡結欠 ( 如適用 ) 不論任何情況, 會員須承擔因逾期繳付信用卡結欠而引致之財務費用逾期費用其他責任或損失 SITAX (12/2018) PDF C (CL)

4 14. 恒生保留權利隨時取消或終止網上交稅分期計劃 ( 包括但不限於以下任何一種情況 ), 及作出合理通知, 並要求會員立即清還網上交稅分期計劃之所有結欠 ( 即網上交稅分期計劃內全數未償還之本金手續費及其他費用 ).. (i) 會員違反本條款及細則或會員合約的任何條文 ; (ii) 信用卡戶口出現任何拖欠或會員未能應恒生要求償還任何債務 ; (iii) 會員自行取消或被恒生終止信用卡戶口或網上交稅分期計劃, 或會員破產或去世即使本條款及細則有其他條文規定, 若信用卡戶口或網上交稅分期計劃一旦因任何原因終止, 網上交稅分期計劃之所有結欠將即時到期繳付, 並從信用卡戶口中自動扣除 15. 網上交稅分期計劃之手續費及每期分期本金均不可賺取 Cash Dollars 16. 本條款及細則亦構成會員合約之部份, 並須按其內容詮譯倘本條款及細則與會員合約有任何歧異, 將以本條款及細則為準 17. 本條款及細則受香港特別行政區法律所管轄, 並按照香港特別行政區法律詮釋 18. 本條款及細則受現行監管規定約束 19. 除會員及恒生 ( 包括其繼承人及受讓人 ) 以外, 並無其他人士有權按合約 ( 第三者權利 ) 條例強制執行本條款及細則的任何條文, 或享有本條款及細則的任何條文下的利益 20. 中文譯本僅供參考, 文義如有歧異以英文本為準註 : 恒生直接銷售人員及授權代表之薪金制度 ( 包括底薪及花紅 ), 乃基於多方面的表現, 並非只著重銷售金額恒生消費卡戶口並不獲計算利息恒生消費卡戶口之結餘並非受保障存款, 不受香港的存款保障計劃保障借定唔借? 還得到先好借! SITAX (12/2018) PDF C (CL) 恒生銀行有限公司

5 恒生信用卡免息簽賬及消費分期一筆過手續費計劃 ( 網上交稅 ) 之條款及細則 1. 只有恒生信用卡主卡會員 ( 會員 ) 方可申請免息簽賬及消費分期一筆過手續費計劃 ( 網上交稅 )( 網上交稅分期 ) 網上交稅分期計劃不適用於附屬卡人民幣信用卡公司卡商務卡 e-shopping 萬事達卡消費卡美元 Visa 金卡及專享卡 2. 會員需於 2018 年 12 月 1 日至 2019 年 2 月 28 日期間 ( 優惠期 ) 申請網上交稅分期計劃 3. 網上交稅分期計劃只適用於以信用卡透過恒生個人 e-banking 網上繳費服務繳付個人或第三者之稅項會員需於網上繳交稅項誌賬之信用卡月結單到期繳款日 9 個工作天前申請網上交稅分期計劃會員可為每一次網上繳交稅項獨立申請一次網上交稅分期計劃, 申請次數不限 4. 如會員於遞交網上交稅分期計劃申請後取消有關之網上繳交稅項, 或更改其預設繳付日期及 / 或金額, 恒生銀行有限公司 ( 恒生 ) 有機會無法處理而取消網上交稅分期計劃申請 5. 每項網上交稅分期計劃均須繳付一次性手續費一次性手續費按有關分期計劃金額計算, 詳情如下 : 獲批核之分期計劃金額 ( 可每次網上交稅獨立申請 ) 一次性手續費 6 個月分期 12 個月分期 >HKD 3,000 HKD 10,000 HKD 100 HKD 200 >HKD 10,000 HKD 20,000 HKD 200 HKD 400 >HKD 20,000 HKD 30,000 HKD 300 HKD 600 >HKD 30,000 HKD 50,000 HKD 500 HKD 1,000 >HKD 50,000 HKD 100,000 HKD 1,000 HKD 2,000 >HKD 100,000 HKD 150,000 HKD 1,500 HKD 3,000 >HKD 150,000 HKD 200,000 HKD 2,000 HKD 4,000 一次性手續費將於申請獲處理後從有關信用卡戶口內扣除 6. 網上交稅分期計劃金額將以港元作貨幣單位所有幣值換算 ( 如有需要 ) 將於恒生訂定之有關換算日期按恒生決定之匯率計算 7. 會員現指示及授權恒生, 當會員之網上交稅分期計劃申請獲處理後 :(a) 一次過將獲批核之網上交稅分期計劃金額存入會員指定之恒生信用卡戶口 ( 信用卡戶口 );(b) 從信用卡戶口凍結相等於網上交稅分期計劃金額及會員需支付予恒生之手續費全數之信用限額直至最後一期供款完畢為止 ;(c) 由恒生全權決定之日期按網上交稅分期計劃金額全數分 6 期或 12 期之期數於信用卡戶口連續按月支取第一期供款及一次性手續費將於網上交稅分期計劃申請獲處理後即時或按恒生全權決定之日期於信用卡戶口支取 ; 及 (d) 於每月成功支取會員之供款後, 按比例將凍結之信用限額按月逐步減除 8. 恒生將不接納以下之網上交稅分期計劃申請 ( 以每次申請計 ).. (a) 申請之網上交稅分期計劃金額少於 HKD3,000 或大於 HKD200,000; 或 (b) 信用卡戶口內賬項已逾期還款或超逾可用信用額 9. 恒生有權接納或拒絕任何申請, 而毋須給予解釋 10. 會員每月於到期繳款日或以前全部清還會員之信用卡戶口結單所訂明之總結欠, 會員毋須繳付任何財務費用倘若會員未能每月於到期繳款日或以前全部清還會員之信用卡戶口結單所訂明之總結欠, 會員須就該信用卡戶口內之所有結欠按規限信用卡戶口使用之相關恒生信用卡會員合約 ( 會員合約 ) 支付財務費用會員須就任何到期未付之每月供款支付由該每月供款過賬日起計以當時適用於信用卡戶口之利率計算之財務費用及其他費用 11. 恒生保留不時調整上述財務費用及手續費之權利會員需繳付之手續費將以恒生收到會員之網上交稅分期計劃申請當日, 恒生所公佈為準 12. 即使本條款及細則有其他條文規定, 恒生有權隨時通知會員 :(a) 暫停或停止該等網上交稅分期計劃 ; 及 / 或 (b) 修訂或增補本條款及細則 13. 網上交稅分期批核程序將於有關之網上繳交稅項誌賬後隨即開始一般情況下, 申請需時 7 個工作天辦理, 若恒生需酌情為會員提升信用額, 有關申請則需時 9 個工作天辦理會員將獲另函通知批核情況若申請網上交稅分期計劃之日期與有關信用卡月結單到期繳款日少於 9 個工作天, 會員不可依賴獲批核之網上交稅分期計劃金額 ( 如有 ) 存入信用卡戶口作為繳付信用卡結欠之用, 並須於到期繳款日或以前繳付信用卡結欠 ( 如適用 ) 不論任何情況, 會員須承擔因逾期繳付信用卡結欠而引致之財務費用逾期費用其他責任或損失 SITAX (12/2018) PDF SC (CL)

6 14. 恒生保留權利隨時取消或終止網上交稅分期計劃 ( 包括但不限於以下任何一種情況 ), 及作出合理通知, 並要求會員立即清還網上交稅分期計劃之所有結欠 ( 即網上交稅分期計劃內全數未償還之本金手續費及其他費用 ).. (i) 會員違反本條款及細則或會員合約的任何條文 ; (ii) 信用卡戶口出現任何拖欠或會員未能應恒生要求償還任何債務 ; (iii) 會員自行取消或被恒生終止信用卡戶口或網上交稅分期計劃, 或會員破產或去世即使本條款及細則有其他條文規定, 若信用卡戶口或網上交稅分期計劃一旦因任何原因終止, 網上交稅分期計劃之所有結欠將即時到期繳付, 並從信用卡戶口中自動扣除 15. 網上交稅分期計劃之手續費及每期分期本金均不可賺取 Cash Dollars 16. 本條款及細則亦構成會員合約之部份, 並須按其內容詮譯倘本條款及細則與會員合約有任何歧異, 將以本條款及細則為準 17. 本條款及細則受香港特別行政區法律所管轄, 並按照香港特別行政區法律詮釋 18. 本條款及細則受現行監管規定約束 19. 除會員及恒生 ( 包括其繼承人及受讓人 ) 以外, 並無其他人士有權按合約 ( 第三者權利 ) 條例強制執行本條款及細則的任何條文, 或享有本條款及細則的任何條文下的利益 20. 中文譯本僅供參考, 文義如有歧異以英文本為準註 : 恒生直接銷售人員及授權代表之薪金制度 ( 包括底薪及花紅 ), 乃基於多方面的表現, 並非只著重銷售金額恒生消費卡戶口並不獲計算利息恒生消費卡戶口之結餘並非受保障存款, 不受香港的存款保障計劃保障借定唔借? 還得到先好借! SITAX (12/2018) PDF SC (CL) 恒生銀行有限公司

HKG_ICSS_FTO_sogobrilingual_100_19Feb2016_31837_tnc

HKG_ICSS_FTO_sogobrilingual_100_19Feb2016_31837_tnc Terms and conditions: 1. The extra 5 Membership Rewards points promotion at SOGO ( the Promotion Offer ) is valid for spending only at SOGO Department Store at Causeway Bay and Tsim Sha Tsui within the