Card Issuers

Standard Chartered

Card Type

Standard Chartered Credit Cards/Esprit/Amway

VISA Platinum /Options / New York Life

SmarTone /ZIX

Cash Advances

Handling fee

% of Amount

3%

Fixed charge

$55

Interest rate (per annum)

24.5%

27%

29.9%

First Date of Interest Accrual

A

Retail Purchases

Interest rate (per annum)

24.5%

27%

29.9%

First Date of Interest Accrual

T

Can rollover accounts (not repaid in full) enjoy the interest-free period for new transactions?

No

Late charge

% of Minimum Payment

5% ($50-$200)

[Additional charge of $100 per month for accounts overdued for 3 consecutive months.]

Balance Transfer

Interest rate (per annum)

24.5%