Table of Credit Card Interest Rates (as at 31 January 2002)

Table of Credit Card Interest Rates (as at 31 January 2002)
- CHOICE # 304 (18 February 2002)

Notes:
$︰	Hong Kong Dollars
($)︰	Minimum Charge
($-$)︰	Minimum - Maximum Charges
@' :	Depends. New transactions can enjoy interest-free period provided the outstanding balance is repaid in full before the next due date.
-︰	Not Applicable
[%]	In the case of overdue (repay less than the minimum payment), interest rate (p.a.) will be adjusted to this level.
a.	Waived for holders of 2 or less AEON credit cards.
b.	If cash advance is not repaid in full by the due date, extension charge of 3% per month will be imposed, and calculated from the date of advance to the sales cut-off date. Monthly interest of 3% will be calculated starting from the sales cut-off date.
c.	Waived for the first time.
d.	Platinum card 24%p.a. Shine Card 36%p.a.
e.	Platinum card and MPF: 24%p.a.
f.	For Club Payment Plus Accounts only.
g.	Valid until 28 February 2002.
h.	Minium charge $20 at Hang Seng/HSBC ATM or Hang Seng Bank Counter Minimum charge $40 at ATM with VISA/PLUS or MasterCard/Cirrus logo or at other banks' counter.
i.	If the partial repayment amount is sufficient to repay the retail purchase balance due, (after deducting late charges, annual fees, other handling charges and interest), new purchases can enjoy the interest free period.
j.	Modern Ladies 18%p.a.；Privilege/HKJC/Kingkow/Cornerstore 24%p.a.
k.	Modern Ladies/Privilege/HKJC 18%p.a.；Kingkow/Cornerstone 24%p.a.
n.	Applicable to some affinity cards. 6% cash rebate for balance transfer amount.