• "Interest-free Cash Instalment Plan"     • "Balance Transfer"    • Other Option - Purchase Instalment Plans      
 

Fubon Credit Card "Cash Ready"
Enjoy Interest-free Privilege of the 1st Three Statements
 

Fubon Credit Card "Cash Ready" caters for your financial needs by turning your available credit limit into handy cash. Act now to enjoy interest-free privilege of the 1st three statements!
 
Unique features:
- Flexible payment as low as your monthly minimum payment, and no penalty for early repayment
- The Cash Ready account will be operated independently from your Fubon Credit Card. Therefore, new card transactions made to your Fubon Credit Card will not induce additional interest to the Cash Ready outstanding loan. This gives you big savings on unnecessary interest charge!
 
Act now and no documentation is required!
 
Application Hotline 2566 8181 (Press 4 > 3 after language selection)
Monday to Friday: 9am to 8pm, Saturday: 9am to 1pm (except Public Holiday)
 
 
 
Remark:
1. The handling fee will be 3% of the "Cash Ready" amount which will be charged upfront and debited to the "Cash Ready" account together with the approved "Cash Ready" amount. The interest-free privilege is applicable from the cash drawdown date till the date before the issue of the 3rd monthly statement. According to the Net Present Value Method specified in the Code of Banking Practice, the Annualized Percentage Rate ("APR") for "Cash Ready" is 12.96% (base on the calculation of 3% handling fee charged and interest waiver for the 1st three statements). Starting from the issue date of the 3rd monthly statement, any outstanding debit balance of your "Cash Ready" account will be subject to a finance charge of the cash advance rate applicable to your credit card account until full payment is made (such cash advance rate and the detailed calculation method have been stated on the Personalized Interest Rate Confirmation Letter sent to you).
2. "Cash Ready" is applicable to selected principal cardholder only and is not applicable to cardholder who is entitled to other low interest offer (including "Interest-free Cash Installment Plan", "Balance Transfer" and "Cash Ready"). The Bank has the sole discretion to approve or reject an application without giving any reason. The Bank shall notify the cardholder whether his application has been accepted or not. Before notification, the cardholder shall continue to pay all interests or other financial charges payable in respect of the applied amount to other financial institutions. Under no circumstances should the Bank be responsible for any interest or fees charged by other financial institutions as a result of the cardholder’s application for "Cash Ready". The Bank has the sole discretion to determine the approved amount without giving any reason, and the approved amount may be lower than the amount the cardholder has applied for. "Cash Ready" total amount cannot exceed 90% of your Credit Card available credit limit and the minimum amount is HK$3,000.
3. To qualify for the interest-free privilege, the cardholder must maintain a good repayment record over all monthly statements of the "Cash Ready" account. Otherwise, the cardholder is not entitled to enjoy the interest-free privilege and the applicable interest rate on the outstanding amount(s) will be the cash advance rate of your credit card account.
4. All bonus point schemes do not apply to that separate account and "Cash Ready" approved amount. If the Bank or the cardholder terminates the credit card account linked to that separate account, that separate account will also be terminated immediately.
5. If customers apply for "Cash Ready", the Bank has the right to conduct a credit and lending checking for the customer and to request additional documents from the customer.