「信貸評級獎學金」申請資格
- 於推廣期內成為K Cash客戶及持續以良好還款紀錄供款超過3個月或以上之人士；及
- 成功申請及持有 PayKool信用卡，並於發卡後首 3 個月 PayKool信用卡賬戶必須仍然有效及信用狀況良好。
「信貸評級獎學金」評選準則
- 每月選出信貸評級改善級數最多之客戶，即可獲贈當月「信貸評級獎學金」。
- 「信貸評級改善級數」即以最初成為K Cash客戶時的信貸評級，對比當月信貸評級作計算，例如由最初D級升為B級，即計算為信貸評級改善2級；由F級升為C級，即計算為信貸評級改善3級。
- 如信貸評級改善級數相同，則會先以貸款額而定，再比較供款年期，較高貸款額及較長年期者得勝。
- 每位客戶最多只可獲獎一次。
FAQ
[dummy] What documents do I need to submit when applying for a K Cash online personal loan?
[dummy] To apply, you only need to provide simple documents, including your Hong Kong permanent resident identity card, proof of residential address within the last three months, and bank statements.
[dummy] How long does it take to apply for a personal loan and get it approved?
[dummy] K Cash utilizes an AI-powered online loan system to calculate and analyze personal loan applications. The applications are then handed over to the approval manager for a final review. If the customer has provided all the necessary supporting documents accurately and correctly, they can swiftly receive the loan approval result.
[dummy] Is it difficult to get approved for a persona loan if you have a poor credit rating?
[dummy] Don’t worry! Regardless of your credit rating, we will consider your application. K Cash evaluates personal loan applications based on factors such as income and credit rating, and we do not reject personal loan applications solely based on credit ratings. In the past, we have successfully approved cases with credit ratings of "I" (indicating a lower credit score).
[dummy] What fees does K Cash charge for personal loan? Are there any hidden charges apart from the loan interest?
[dummy] K Cash guarantees that there are absolutely no hidden fees such as application fees, guarantee fees, photocopying fees, or referral fees. Additionally, there are no handling fees. For all personal loan applications, whether they are canceled, rejected, or granted a loan, as long as the loan is not accepted in the end, there will be no charges whatsoever. We also do not pursue or charge any fees or charges related to negotiations or personal loan approval. There are no hidden charges beyond the personal loan interest. Our terms and conditions are highly transparent. What you see is what you get, with complete clarity.
[dummy] How to change to a personal loan application that has already been submitted?
[dummy] Any changes or updates must be handled by our customer service specialists.
If you need to adjust the personal loan amount, loan repayment period or change your personal information, please email to [email protected] or call 21111 211.
If you need to adjust the personal loan amount, loan repayment period or change your personal information, please email to [email protected] or call 21111 211.
「信貸評級獎學金」推廣活動條款及細則
- 任何參與KCash Limited 或KCash Express Limited（「本公司」）「信貸評級獎學金」的人士均知悉並同意本條款並受其約束，並同意本公司及本次活動相關的私隱政策及聲明。
- 推廣期由2024年x月xx日至2025年x月xx日，包括首尾兩天（「推廣期」）。
- 此活動只適用於推廣期內成為本公司客戶及持續以良好還款紀錄供款超過3個月或以上之人士；及必須同時成功申請及持有PayKool 信用卡，並於發卡後首3 個月賬戶仍然有效及信用狀況良好(「合資格客戶」) 。
- 每位客戶最多只可獲獎一次。
- 此活動受制於本公司（具唯一及絕對酌情權）核實及確認為合資格。
- 於推廣期內，本公司每月選出信貸評級改善級數*最多之一位客戶，即可獲贈當月「信貸評級獎學金」。 *信貸評級改善級數即以最初成為KCash客戶時的信貸評級，再以當月信貸評級作對比，例如由最初D級升為B級，即計算為信貸評級改善2級；由F級升為C級，即計算為信貸評級改善3級。如信貸評級改善級數相同，則會先以貸款額而定，再比較供款年期，較高貸款額及較長年期者得勝。
- 當月信貸評級獎學金得獎者可獲贈 KCash 旗下信用卡PayKool 之 HK$5,000免找數簽賬額，並於合資格客戶確認得獎後2個月內存入信用卡賬戶。如客戶於本公司發出通知後一個月內未能確認將被視作放棄領獎資格，本公司將不會再次補發或作出其他補償。
- PayKool 之 HK$5,000免找數簽賬額不可轉讓、轉售或兌換現金。若合資格客戶於得獎後取消該信用卡，免找數簽賬額將不會被退回。
- 有關收集、保留、處理或以任何方式處理個人資料有關的私隱事宜的責任及政策提供的資料，可瀏覽KCash官方網頁內的私隱政策聲明。
- 本公司保留隨時更改本條款之權利而無須另行通知。如有任何爭議，本公司有權保留此項優惠的最終決定權。
- 並非本條款協議一方的人士無權按《合約（第三者權利）條例》（香港法例第623 章）執行本條款的任何條文，或享有本條款的任何條文下的利益。
- 本條款在所有方面均受香港特別行政區法律的管限，並須根據香港特別行政區法律的解釋。雙方得受香港特別行政區法院的專屬管轄權管轄。
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