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- CreFIT - Loan & Credit Vs. MyObservatory (我的天文台)
CreFIT - Loan & Credit vs MyObservatory (我的天文台) Usage & Stats
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.
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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*!
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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.
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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.
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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"
- Google Play Store
- Free
- Finance
Store Rank
- -
The “MyObservatory” is a highly popular weather mobile app providing personalized weather services. The app provides current weather including temperature, relative humidity, rainfall, wind direction and speed, as well as weather photograph collected from nearby weather stations at user's location, specified location, or selected weather stations. Weather photos and rainfall data will be updated at 5-minute and 15-minute intervals respectively. Other data will be updated in 10-minute interval and the update time will be displayed at the bottom of the front page.
Points to note:
1. In the "My Location Settings", users can opt for using the automatic location service provided by the smartphone, or designating "My Location" on the map themselves. This location will be displayed on the main page and in "My Weather Report". If your location cannot be found, "My Location" will show the last location which was successfully found or "Hong Kong Observatory". The meteorological data displayed on "My Location" or the station you added is provided by meteorological stations nearby, and is not necessarily from a station in the same region. In case meteorological data is not available from nearby stations, data from other meteorological stations at headquarter of the Observatory, King's Park, and Star Ferry will be used instead. If this is the case, the symbol ▲ will appear to the left of the updated time.
2. The notification service of the mobile app including weather warnings, Location Specific Heavy Rain Information, Location-based Rain and Lightning Forecast, etc. is provided using the Google Firebase Cloud Messaging (FCM). The Observatory cannot guarantee the successful or timely reception of push notifications via the mobile app. Users should not rely on the mobile app as the only means for reception of important weather information. Depending on factors such as network usage and quality of connection of user's mobile phone, it may take 5 to 20 minutes or even longer for the app to receive the notification after it is issued by the Hong Kong Observatory.
3. Although the “MyObservatory” is a free app, user will be charged by their mobile network service provider on the use of data service. These charges can become very expensive on roaming. Please ensure that the option of “Data Roaming” have been disabled in the settings of your mobile devices.
4. Owing to the difference in topography and altitude between the weather station and user's location, and also the error in the estimated position given by the mobile device, users should note that weather information displayed on the app may be different from actual conditions in using the "MyObservatory".
5. The clock on the main page of the app is synchronized automatically to the Observatory's Internet Time Server, and may not be the same as the time displayed on the smartphone.
6. Use of Location-based Rain and Lightning Forecast notification, and Location-specific Heavy Rain notification will increase the battery usage and data download slightly. Users who wish to save battery usage of the app may enable the notification function in rainy days and before outdoor activities, and disable the function in sunny days and after finishing the outdoor activities.
7. To allow user to get hold to important weather information such as weather warning, Special Weather Tips, location-based rain and lightning forecast, etc., the “MyObservatory” would automatically notify users the above information according to user’s settings.
8. The app provides link for users to browse the Observatory's Facebook Page. Users may choose to log in his/her own Facebook account. More features of Facebook can be used after logging in. Please be reminded to pay attention to the notes of the Facebook Page, and the privacy policies of the Facebook platform.
- Google Play Store
- Free
- Weather
Store Rank
- -
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CreFIT - Loan & Credit VS.
MyObservatory (我的天文台)
January 4, 2025