CreFIT - Loan & Credit app analytics for January 3

CreFIT can help you eliminate the hassle of credit card bills, addressing your urgent needs with ultra-fast approvals and simple procedures, all done via mobile, even for students! You can freely choose the loan term that suits you best, making the repayment process more flexible. ============================== TIME-LIMITED OFFER Referral Scheme • Refer friends and easily earn up to HK$1,500 cash reward. Earn HK$300 for each successful referral. Offer valid until 6 Feb, 2025*. CreFIT Mobile Cash Loan Instalment x MyLink Points Reward • MyLink App customers ("Users") can activate CreFIT through the MyLink App after completing the identity authentication through the CreFIT mobile App and enjoy an activation bonus in MyLink Points equivalent to HK$150. After approval, User can enjoy a equivalent 12% interest rebate in MyLink Points for every CreFIT Mobile Cash Loan Instalment drawdown*! ============================== FEATURES OF CreFIT ClearCard Credit SERVICE • All done via mobile: Complete digital handling from application to cash transfer, available 24/7. • Ultra-Fast approval: Clear credit card debts in as fast as 3 minutes. • Credit Score Protection: No credit report checks, safeguarding your credit rating. • Availability: Covers 17 card-issuing banks/institutions in Hong Kong and will continue to update. For details, please refer to the website. FEATURES OF CreFIT CASH LOAN • Incognito mode Quotation: No income proof required. Fully automated quotation with no impact on credit rating#. • Approval Pledge: Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. • Fully Automated: Intelligent technology shortens tedious processes to seconds, solving financial needs quickly! • Flexible Repayment: Choose your repayment terms freely, providing flexibility to manage financial challenges and plan for the future. • No Extra Fee: No hidden fees. Fully automated offers that are fair and transparent! FEATURES OF THE CreFIT APP • Free Bill Management Service: Comprehensive mobile bill management service, equipped with card expiration reminders, automatic consumption analysis, and abnormal fee notification functions. ============================== LOAN REPAYMENT INFORMATION • The minimum repayment period is 3 months, and the maximum is 48 months. • The actual APR generally does not exceed 36%. • A brief description of loan-related fees is as follows, for reference only: Loan amount: HK$200,000 Interest rate: monthly flat rate 0.343% Effective annual interest rate: 8% Repayment period: 24 months Total interest = Loan amount x Monthly flat rate x Repayment periods HK$200,000 x 0.343% x 24 = HK$16,464 Total payment amount = Loan amount + Total interest HK$200,000 + HK$16,464 = HK$216,464 Monthly repayment amount: (Loan amount + Total interest) / Repayment periods HK($200,000 + $16,464) / 24 = HK$9,019.33 • The loan amount and interest rate are subject to individual circumstances and final approval results. ============================== Warning: You must repay your loans. Do not pay any intermediaries. Inquiries and complaints hotline: 6369 2338 Money Lender's License Number: 0751/2024 VCREDIT Finance Limited #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that. ^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website. • *Offers subject to relevant terms and conditions. • *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes. Address: Room 1904, 19th Floor, Bank of America Tower, 12 Harcourt Road, Central, Hong Kong"