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MR HO KAM CHUEN M Account number

FLAT A, 40/F, BLK 2B 04800 4966 0401 2558 5331
WINGS AT SEA Card type Credit limit
1 LOHAS PARK VISA GOLD CARD HKD40,000.00
TSEUNG KWAN O NT Statement date Statement balance
15 JAN 2024 HKD38,280.26

Post date Trans date Description of transaction Amount (HKD)

PREVIOUS BALANCE 38,105.43

4966 0401 2558 5331 HO KAM CHUEN K

20DEC 20DEC IFS PAYMENT - THANK YOU 1,682.00CR
10JAN 10JAN R+ INSTALMENT - BALANCE 395.83
12th of 24 instalments
10JAN 10JAN R+ INSTALMENT - BALANCE 36.10
12th of 24 instalments
HANDLING FEE
13JAN 13JAN R+ INSTALMENT - BALANCE 122.83
10th of 24 instalments
13JAN 13JAN R+ INSTALMENT - BALANCE 11.79
10th of 24 instalments
HANDLING FEE

Note: "CR" means Credit transaction / balance

**** REWARDCASH SUMMARY FOR CARD NUMBER 4966 0401 2558 5331 ****
REWARDCASH OPENING BALANCE : 452
REWARDCASH EARNED : 0
REWARDCASH ADJUSTED : 0
REWARDCASH REDEEMED : 0
REWARDCASH CLOSING BALANCE : 452

REWARDCASH EXPIRING IN OCT2024 : 452

REGISTRATION/RENEWAL DATE : 09DEC2022

For important information such as payment methods, fees and charges, lost Minimum payment summary HKD
card reporting, and change of correspondence address / telephone number, Current minimum payment due
1,708.00
please visit www.hsbc.com.hk or call our Credit Cards Customer Service
Hotline on (852) 2233 3000. Please pay by 09 FEB 2024
Overdue / overlimit due now
www.hsbc.com.hk 1,690.00
(852) 2233 3000 Total minimum payment due 3,398.00

Account number Card type If you are paying by mail, please return it with a crossed cheque made payable
to "The Hongkong and Shanghai Banking Corporation Limited" or "HSBC" at
4966 0401 2558 5331 VISA GOLD CARD least three working days before the payment due date to our Centre, PO BOX
Statement date Statement balance NO. 73730, KOWLOON CENTRAL POST OFFICE HK. Please write your
15 JAN 2024 HKD38,280.26 account number on the back of the cheque.

PO BOX NO. 73730,

KOWLOON CENTRAL POST OFFICE HK.

Thank you for choosing HSBC.

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Cardholder's name Account number Statement date
HO KAM CHUEN K 4966 0401 2558 5331 15 JAN 2024

Post date Trans date Description of transaction Amount (HKD)

RED HOT REWARDS OF YOUR CHOICE 2023 :

5X REWARDCASH IN HOME - 2023
THE EFFECTIVE PERIOD IS FROM 01JAN2023 TO 31DEC2023.
FOR TERMS AND CONDITIONS, PLEASE VISIT www.hsbc.com.hk/rewards

REGISTRATION/RENEWAL DATE : 08DEC2023

RED HOT REWARDS OF YOUR CHOICE 2024 :
5X REWARDCASH IN HOME - 2024
THE EFFECTIVE PERIOD IS FROM 01JAN2024 TO 31DEC2024.
FOR TERMS AND CONDITIONS, PLEASE VISIT www.hsbc.com.hk/rewards

*** REGISTERED MOBILE CARD(S) FOR CARD NUMBER 4966 0401 2558 5331 ***
Apple Pay-MOBILE:0323
THE ABOVE MOBILE CREDIT CARD(S) SET UP AS AT STATEMENT DATE

**** REWARDCASH SUMMARY FOR CARD NUMBER 4966 0401 2808 5388 ****
REWARDCASH OPENING BALANCE : 26
REWARDCASH EARNED : 0
REWARDCASH ADJUSTED : 0
REWARDCASH REDEEMED : 0
REWARDCASH CLOSING BALANCE : 26

REWARDCASH EXPIRING IN AUG2024 : 26

*** REGISTERED MOBILE CARD(S) FOR CARD NUMBER 4966 0401 2808 5388 ***
Samsung Pay-MOBILE:1638
THE ABOVE MOBILE CREDIT CARD(S) SET UP AS AT STATEMENT DATE

15JAN 15JAN FINANCE CHARGE 990.28

15JAN 15JAN LATE CHARGE 300.00

STATEMENT BALANCE 38,280.26

***** TRANSACTION SUMMARY *****

CREDIT/PAYMENT : 1,682.00CR
PURCHASES AND INSTALMENTS : 518.66
ALL FEES AND CHARGES : 1,338.17
INSTALMENT AMOUNT REMAINING : 6,469.74
TOTAL ACCOUNT BALANCE : 44,750.00

***** FEES AND CHARGES SUMMARY *****

FEE/CHARGE TYPE AMOUNT
LATE CHARGE 300.00
BT/HSBC INSTALMENT/CASH CREDIT PLAN HANDLING FEE 47.89
TOTAL FEES/CHARGES(EXCLUDING FINANCE CHARGE) 347.89

***** FINANCE CHARGE SUMMARY *****

BALANCE TYPE ANNUALISED PERCENTAGE RATE (APR) FINANCE CHARGE
CASH ADVANCE 35.94% 0.00
PURCHASE 35.42% 463.30
SPENDING INSTALMENT PLAN 35.42% 526.98
TOTAL FINANCE CHARGE 990.28
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Cardholder's name Account number Statement date
HO KAM CHUEN K 4966 0401 2558 5331 15 JAN 2024

Post date Trans date Description of transaction Amount (HKD)

Information for making minimum payment

**************************************
Assumptions:
- Outstanding Balance = $20,000
- Interest Rate = 2.65% per month (equivalent to an annualized
percentage rate of 35.42% on purchase and 35.94% on cash advance)
- Assumed No new transaction
- Assumed No annual fee and other fees
- Assumed that repayments are made on or before due date

The below table is based on the above assumptions for illustration

only. You may visit our Bank website [via HSBC HK website > Borrowing
> Use Your Credit Card - See all > Credit Card repayment calculator or
via https://www.hsbc.com.hk/credit-cards/tools/repayment-calculator/]
for an online credit card repayment calculator for customized
information.
======================================================================
If you make no additional | You will pay off the |And you will end up
charges using this credit | outstanding balance |paying an estimated
card and each month you | of HKD20,000 in |total of...
pay... | about... |
======================================================================
| |
Only the minimum payment | 11.5 years | HKD57,850
----------------------------------------------------------------------
| |
HKD869 | 3 years | HKD31,279
| | (Savings=HKD26,570)
======================================================================

Your account has an overdue amount of HKD 1,690.00.

Please pay at least that amount immediately to avoid
suspension of your credit facilities. Future payments must
be made by the due dates shown on your statements.

If the statement balance for your credit card account

exceeds the credit limit on the statement date, an overlimit
handling fee will be debited to the account. If you wish to
opt out of the over-the-limit facility, you may fill out
the form on the back of the statement or Personal Internet
Banking. For enquiries, please contact us on 2233 3000.

We notice that there have been fraudulent telephone calls,

voice message or emails that claim to be from HSBC. We would
like to remind you not to disclose your personal details to
suspicious third parties. You can call us on (852) 2233 3000
to verify the caller's identity. Please say "Report Fraud"
as reason for calling and report to the Police immediately.

Accrual of interest on a cash advance transaction will

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Cardholder's name Account number Statement date
HO KAM CHUEN K 4966 0401 2558 5331 15 JAN 2024

Post date Trans date Description of transaction Amount (HKD)

continue after the statement cut-off date and the accrued

interest will only be charged and shown in the next
statement. If you wish to fully settle the interest, you may
contact us to ascertain the amount of accrued interest
payable following the current statement cut-off date