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商戶推薦]– PayKool信用卡迎新獎賞 $400免找數簽賬額 (「本推廣活動」)之條款及細則","/tnc/pp400",{"text":297,"url":298},"[PayKool x 官燕棧] 優惠 – PayKool信用卡迎新獎賞及持卡人禮遇(「本推廣活動」)之條款及細則","/tnc/mcbird",{"text":300,"url":301},"「PayKool x ArenaSpot」優惠 - PayKool Visa Platinum卡迎新推廣(「本推廣活動」）之條款及細則","/tnc/arena",{"sys":303,"fields":314},{"id":304,"type":305,"createdAt":306,"updatedAt":307,"locale":308,"contentType":309},"kfbue0209ksobu4nakmt31u6","Entry","2026-11-10T04:01:55.828Z","2026-11-10T04:01:58.749Z","zh-Hant-HK",{"sys":310},{"type":311,"linkType":312,"id":313},"Link","ContentType","payKoolAboutUsTopic",{"prefix":315,"key":316,"slug":317,"versionCode":318,"topicTitle":73,"topicText":319,"topicTextExtend":320,"metaTitle":320,"metaKeywords":320,"metaDescription":320},"260107","TnC-ApplyTaxLoan","apply-tax-loan","1","**\\\u003C PayKool Visa Platinum Card\n信用卡「稅務現金****分期」服務條款及細則\\>（適用於PayKool信用卡持卡人）**\n\n1.  閣下須持有 K Cash Limited (「K Cash」)發出的 PayKool Visa Platinum\n    Card信用卡(「PayKool\n    信用卡」)方可以申請PayKool信用卡「稅務現金分期」服務(「現金分期」)。閣下申請現金分期即被視為已同意並遵守本條款及細則及信用卡持卡人協議並受其約束，並同意支付所有相關收費。如本條款及細則的規定與信用卡持卡人協議的規定有任何不一致概以本條款及細則為準。本條款及細則及信用卡持卡人協議亦可在PayKool應用程式或PayKool網頁https://Paykool.hk/\n    上參閱。\n\n2.  閣下同意K\n    Cash有權隨時及不時決定向任何信貸資料機構獲取及核實有關閣下的資料並進行信貸覆核以考慮可能提高、降低或修訂信用卡戶口的信用限額。K\n    Cash\n    決定是否批核閣下的現金分期申請的考慮因素包括但不限於閣下的信貸記錄、是否擁有足夠的可用信貸額度以及閣下現時使用K\n    Cash其他貸款產品的情況。K Cash\n    保留全權決定批准或拒絕任何現金分期申請，而無需給予理由。如閣下的PayKool信用卡因任何原因被取消或暫停，K\n    Cash\n    將不會批核閣下任何現金分期申請。現金分期計劃不適用於有違合約、賬戶已取消或尚有逾期欠款未清還之信用卡賬戶。\n\n3.  K\n    Cash會就每宗現金分期申請設定最高及最低限額。現金分期最低金額為HKD10,000或K\n    Cash不時指定的金額。現金分期金額不可超逾閣下的信用卡可用信用額度。K\n    Cash將經由PayKool應用程式通知閣下該等限額。閣下申請現金分期即被視為已同意K\n    Cash可在考慮閣下在申請中要求的現金分期金額後提高信用卡戶口的信用限額。K\n    Cash會以電郵通知閣下申請結果、信用限額的調整(如適用)、獲批核的現金分期的提款金額(「提款金額」)及每期供款的還款金額，閣下亦可以瀏覽PayKool應用程式查閱有關資料。K\n    Cash就信用卡戶口信用限額的調整及現金分期金額的批核有最終決定權。\n\n4.  如K Cash批核閣下的現金分期申請， K\n    Cash會從信用卡戶口信用限額扣起相等於(1)提款金額及(2)一次性手續費的總金額。信用卡戶口的信用限額會隨K\n    Cash實際收到還款金額後回升。\n\n5.  K\n    Cash會將獲批核的提款金額存入或轉賬至閣下在申請中指定的銀行戶口。該銀行戶口必須是閣下以個人名義在香港境內金融機構維持的港幣戶口。相關銀行機構或設有收款限制，實際入賬情況及時間須根據相關銀行機構的處理和決定。K\n    Cash不會為因任何情況(包括但不限於轉賬延誤)所招致或產生的任何損失或損害而負責。若涉及因跨行轉賬交易或因閣下提供錯誤賬戶號碼而產生之任何收費或相關費用，須由閣下全數承擔。\n\n6.  每期應繳付現金分期金額(「分期款項」)之計算方法，是等於(1)現金分期金額除以分期付款期的期數及(2)其他相關收費(如適用)的總和。K\n    Cash將於現金分期批核當日開始徵收首期分期款項及一次性手續費。每一期分期款項、一次性手續費及其他相關收費(如適用)將會記入客戶PayKool信用卡賬戶處理。月結單上將會顯示分期款項及上述現金分期的相關收費(如適用)，客戶須按照PayKool信用卡持卡人協議繳付有關款項。若客戶於月結單指定繳款日期或之前未全數支付月結單上顯示的最低付款額或月結單總結欠，K\n    Cash將會按PayKool信用卡持卡人協議收取逾期費用及/或財務費用。未經K\n    Cash同意，有關每期分期款項及分期期數均不得更改。有關費用請參閱\n    PayKool應用程式或網站的產品資料概要及財務費用。\n\n7.  閣下須繳付一次性手續費及其他收費(如適用)。現金分期批核金額及有關費用按現金分期金額、還款期及信用卡持有人個人信貸狀況而訂，K\n    Cash全權決定並保留最終決定權。有關一次性手續費及實際年利率查詢，請致電Paykool信用卡客戶服務熱線（852）23111\n    611 查詢。\n\n8.  閣下應確保在任何時候提款金額、所有應繳付的手續費、零售簽賬及閣下信用卡戶口所有其他未清還的結欠(包括所有未記賬的結欠)的總金額不超過閣下信用卡戶口的獲批信用限額。\n\n9.  現金分期金額每HK\\$10 可獲 1 PayKool point (可兌換相等於 1 Katch\n    point，兌換詳情請參閱PayKool應用程式 )。\n\n10. K\n    Cash有權隨時將所有剩餘未清還並未記賬入信用卡戶口的提款金額的總金額及其他利息、費用及收費（如適用）全數記賬入信用卡戶口。在不限制K\n    Cash可隨時要求閣下全數還款的權利的情況下，在下列情況（或任何一項）K\n    Cash有權提出全數還款要求：\n\n    i.  不論閣下或K Cash因任何理由暫停、取消或終止信用卡戶口；\n\n    ii. 閣下未有繳付信用卡款項或本條款及細則下任何到期的金額；\n\n    iii. 閣下違反信用卡持卡人協議或本條款及細則的任何條文；\n\n    iv. 閣下提出破產申請或被入稟破產；\n\n    v.  閣下未能清還任何到期及應付的債務及/或債項(包括但不限於閣下PayKool信用卡賬戶及任何K\n        Cash 及/或其任何附屬公司或關聯公司 賬戶下的債務及/或債項)；\n\n    vi. 閣下違反或未能履行與K\n        Cash及/或其任何附屬公司或關聯公司所簽訂的任何貸款合約；或\n\n    vii. K Cash因任何理由暫停或終止現金分期服務。\n\n11. 現金分期申請一經批核，將不可取消。K\n    Cash不接受提前部分還款。若閣下要求提前償還餘下的分期款項或取消PayKool信用卡賬戶，須於最少\n    7 個工作天前向K Cash發出書面通知，並須經K Cash接納及同意撤銷 (K\n    Cash不接受提前償還部份還款)。此現金分期因任何原因被撤銷後，以下款項須立即全數繳付︰\n\n    a.  所有未償還之現金分期金額；及\n\n    b.  所有適用的收費及/或手續費。\n\n12. 如閣下選擇使用「轉數快」收款，現金分期獲批核及確認後，K\n    Cash會透過「轉數快」將獲批現金分期金額存入閣下所指定由閣下持有之香港銀行賬戶。一般情況下，獲批現金分期金額會經「轉數快」於一至兩個工作天內存入指定銀行戶口，惟相關銀行/機構或設有收款限制，實際入賬情況及時間須根據相關銀行/機構的處理和決定。K\n    Cash不會因任何情況引致延誤而負責。\n\n13. K\n    Cash保留隨時修改條款細則之權利而毋須事先作出通知，閣下須受有關更改約束。如有任何爭議，K\n    Cash保留最終決定權。 K Cash亦有權終止或暫停(或兩者)現金分期服務，K\n    Cash就與現金分期服務相關的所有事宜及爭議有最終決定權。\n\n14. 除閣下及K\n    Cash以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。\n\n15. 本條款及細則受香港法律管轄並按其詮釋。閣下服從香港法院的非專有管轄權。\n\n16. 本條款細則以中文版爲準。如日後有不同語言版本並有抵觸，亦需以中文版爲準。\n\n生效日期：2026 年1月\n",null,1794466864490]