Planning for your holiday as well as your tax liability? Or simply home renovation before the New Year?

Totally Interest-free
Cash will be at your disposal instantly!

BOC Credit Card "Cash Installment" Plan gives you more latitudes in your financial commitments, you only have to turn your available credit limit into cash and repay by Installments to ease your financial needs!

	Enjoy a special low personalized preferential handling fee*, and totally 0% Interest!
	12/18/24/36 repayment periods at your choice – fixed monthly repayments for better management of your cash flow
	No documentary proof is required, just a simple phone call will do
	Once approved, cash will be disbursed directly to your designated bank account

Application is easy, just a simple phone call to BOC Credit Card 24-hour designated hotline: 2929 2228

BOC Credit Card "Statement Installment" Plan let you repay your recently posted retail purchases, cash advance transactions, online bill payments, or even tax payments by up to 36 monthly Installments at a special low personalized preferential monthly handling fee* yet totally Interest-free!

	Enjoy a special low personalized preferential handling fee*, and totally 0% Interest!
	6/12/18/24/36 repayment periods at your choice – fixed monthly repayments for better management of your cash flow
	No documentary proof is required, just a simple phone call will do

Application is easy, just a simple phone call to BOC Credit Card 24-hour designated hotline: 2929 2228.

Important Notes for BOC Credit Card "Cash Installment" Plan:

1. The cardholder applying for the BOC Credit Card "Cash Installment" Plan ("Cash Installment") agrees to be bound by the Terms and Conditions for the Installment Programs (Please click here for details) and the Important Notes stated herein. Should there be any inconsistency, the latter shall prevail to the extent of such inconsistency.
   
2. The "Cash Installment" is not applicable to cardholders of BOC Commercial Card (except BOC Elite Platinum Commercial Card), BOC Prepaid Card, Private Label Card, Purchasing Card, Intown Card, USD Card, Great Wall International Credit Card, BOC Express Cash Revolving Credit and BOC Credit Cards and Prepaid Card issued in Macau.
   
3. Cardholders shall pay the personalized preferential Monthly Handling Fee and/or Upfront Administration Fee, depending on the offer of the respective promotion. The said fee will depend on the installment amount, repayment period and the account status. The said fee for the cardholders and the annualized percentage rates ("APR") will be shown on the "Cash Installment" transaction screen of "Online Services ". The cardholders may call BOC Credit Card designated hotline 2929 2228 for enquiry. The APR is calculated in accordance with the guidelines laid down in the Code of Banking Practice.
   
4. BOC Credit Card(International) Limited (the "Company") may at its absolute discretion determine the Monthly Handling Fee, Upfront Administration Fee, and the installment amount. The Company reserves its final right to approve or decline any application for the "Cash Installment" without assigning any reason.
   
5. If full payment of the outstanding Current Balance as stated in the Statement is received by the Company on or before the Due Date, no interest shall be payable by the Applicant, otherwise interests, finance charge and other fees, if applicable, shall be charged pursuant to the Agreement. All Monthly Installments, the Upfront Administration Fee (if any), the Early Repayment Administration Fee and charges (if any) shall be debited to the Account, for the Cash Installment Program as cash advance transaction made by the Applicant and accordingly the provisions in the Agreement relating to interests, finance charge and other fees applicable to cash advance (where appropriate) shall apply. Interest, finance charges or other fees may be chargeable in respect of the Installment Programs and the annualized percentage rate thereof computed in accordance with the directions given by the Hong Kong Monetary Authority will be shown in the relevant promotional materials and/or the application form.
   
6. All approved "Cash Installment" applications are irrevocable.
   
7. The Monthly Installment (including Monthly Handling Fee) and/or, Upfront Administration Fee (if any) will be charged to the relevant card account.
   
8. The amount for "Cash Installment" must be in HKD / CNY and the minimum installment amount for "Cash Installment" is HKD5,000 (applicable to HKD "Cash Installment") / CNY5,000 (applicable to CNY "Cash Installment") or the amount specified by the Company from time to time. The installment amount cannot exceed the cardholder's available credit limit.
   
9. If the cardholders apply for "Cash Installment" via " Online Services ",
   

   a.	When the applied amount of HKD "Cash Installment" is disbursed to the bank account of the Bank of China (Hong Kong) Limited, the Nanyang Commercial Bank Limited and the Chiyu Banking Corporation Limited ("the Bank"), the total daily limit shall be the cardholder's available credit limit, or the amount specified by the Company from time to time. When the applied amount is disbursed to the bank account other than the Bank above, the total daily limit for "Cash Before Card" and "Cash Installment" shall be HK$100,000 or the cardholder's available credit limit (whichever is lower), or the amount specified by the Company from time to time;
   b.	The total daily limit of CNY "Cash Installment" shall be the cardholder's available credit limit or the amount specified by the Company from time to time;
   c.	Application submitted not later than 3:00pm (Hong Kong time) on Monday to Friday or 10:00am (Hong Kong time) on Saturday (except for public holiday) ("Processing Time") will be processed on the same day, otherwise it will be processed on the coming Processing Time; and
   d.	Cardholders will be notified by email one day after the submission date if the application for "Cash Installment" is processed successfully. The cardholders can check out the transaction status via the "Transaction Enquiry" under the "Cash Installment" section in "Online Services".

10. If a cardholder chooses to repay prematurely, the balance of the outstanding Monthly Installments (including the Monthly Handling Fee), and the Upfront Administration Fee (if any) (if not yet debited) shall be due immediately. In addition, the cardholder is liable to pay an Early Repayment Administration Fee HKD300 (applicable to HKD "Cash Installment") or CNY300 (applicable to CNY "Cash Installment"). All of them will be charged to the relevant card account accordingly.
    
11. The "Cash Installment" is not applicable to card accounts in breach of the User Agreement, being cancelled or with a past due record.
    
12. The entire installment amount of the approved "Cash Installment" will be disbursed to the designated personal bank account of the cardholder. An inward remittance fee may be charged by the beneficiary bank.
    
13. The Company reserves its right to debit a handling fee (maximum HKD300 (applicable to HKD "Cash Installment") or CNY300 (applicable to CNY "Cash Installment")) to the relevant card account without prior notice if the loan disbursement of "Cash Installment" is declined due to the account status of the designated account of the cardholders.
    
14. The Company reserves the right to change, suspend or terminate the promotion offer or to amend its terms and conditions at its sole discretion anytime without prior notice. All matters and disputes will be subject to the final decision of the Company.
    
15. Should there be any discrepancy or inconsistency between the English and the Chinese version of the Important Notes, the English version shall prevail.

Important Notes for BOC Credit Card "Statement Pay by Installment" Plan:

These Important Notes shall be applicable to "Statement Pay by Installment" Plan approved on or after 5th Octorber 2009.

1. Cardholder applying for "Statement Pay by Installment" Plan ("Statement Installment") agrees to be bound by the Terms and Conditions for "Installment Programs" (Please click here for details) and this Important Note upon application. Should there be any inconsistency, the latter shall prevail to the extent of such inconsistency.
   
2. The "Statement Installment" is not applicable to cardholders of BOC Commercial Card (except BOC Elite Platinum Commercial Card), BOC Prepaid Card, Private Label Card, Purchasing Card, Intown Card, BOC RMB Credit Card, USD Card, Great Wall International Credit Card, BOC Express Cash Revolving Credit, and BOC Credit Cards and Prepaid Card issued in Macau.
   
3. Cardholders shall pay the preferential Monthly Handling Fee and/or Upfront Administration Fee, depending on the offer of the respective promotion. The said fee will depend on the installment amount, repayment period and the account status. The said fee for the cardholders and the annualized percentage rates ("APR") will be shown on the "Statement Installment" transaction screen of Online Services of BOC Credit Card (International) Limited (the "Company"). The cardholders may call BOC Credit Card designated hotline 2929 2228 for enquiry. The APR is calculated in accordance with the guidelines laid down in the Code of Banking Practice.
   
4. The Company may at its absolute discretion determine the Monthly Handling Fee, Upfront Administration Fee and the installment amount. The Company reserves its absolute right to approve or reject any application for the "Statement Installment" without assigning any reason.
   
5. The Monthly Installment (including Monthly Handling Fee) and/or, Upfront Administration Fee (if any) will be charged to the relevant card account.
   
6. "Statement Installment" is applicable to retail spending, cash advance, cash before card service, balance transfer, online bill payment and "JET payment" transactions posted in your current monthly statement which are not yet due. "Statement Installment" is not applicable to transactions related to the purchase of casino chips, cash installment, balance brought forward from the preceding monthly statement, interest free installment plan effected at merchant outlets, other approved installment plans, and other transaction categories designated by the Company from time to time.
   
7. The minimum installment amount for "Statement Installment" is HK$1,000 or equivalent (should the repayment period chosen be 36 months, then the minimum installment amount is HK$2,000 or equivalent) or the amount specified by the Company from time to time. The installment amount cannot exceed the cardholder's credit limit.
   
8. If the cardholders apply for "Statement Installment" via "Online Services"
   

   a.	application for the "Statement Installment" must be submitted at least three working days (excluding Saturday, Sunday and public holiday) before the payment due date of the statement via "Online Services". Late application will not be processed;
   b.	application for "Statement Installment" made at or before 5:00pm (Hong Kong time) every day will be processed on the same day. Any instruction made later than these given times will be processed on the next day; and
   c.	cardholders will be notified by email one day after the submission date if the application for "Statement Installment" is processed successfully. Cardholders can check out the transaction status via the "Transaction Enquiry" under the "Statement Installment" section in "Online Services".

9. If a cardholder chooses to repay prematurely, the balance of the outstanding Monthly Installments (including the Monthly Handling Fee), and the Upfront Administration Fee (if any) (if not yet debited) shall be due immediately. In addition, the cardholder is liable to pay an Early Repayment Administration Fee equivalent to HK$300. All of them will be charged to the relevant card account accordingly.
   
10. The "Statement Installment" is not applicable to accounts in breach of the User Agreement, being cancelled or with a past due record.
    
11. All approved "Statement Installment" applications are irrevocable.
    
12. The Company reserves the right to change, suspend or terminate the promotion offer or to amend its terms and conditions at its sole discretion anytime without prior notice. All matters and disputes will be subject to the final decision of the Company.
    
13. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these important notes, the English version shall prevail.