![]() ![]() Be aware that such charges vary among banks. Understand the banks’ credit card charges for foreign currency transactions before travelling.Use the Annualised Percentage Rate (APR) to compare banks’ interest charges and other fees on retail purchases and cash advances.Customers can submit applications to banks for their consideration. Depending on individual customers’ circumstances, some banks will consider granting waivers of annual fees on credit cards.Study the credit card fee schedule carefully to understand the applicable fees and charges as well as their calculation methods. ![]() Some offers may apply only to certain types or brands of cards issued by a bank, while others may require customers to pre-register or first spend a certain amount at designated shops during the promotional period. Understand clearly the terms and conditions of credit card promotional offers.Be aware of any conditions attached to a welcome offer as you may be liable for the costs if you fail to meet such conditions.Understand the terms and conditions of credit cards, including the credit limit, interest-free repayment period, minimum payment amount, other payment terms, and fees and charges.Consider your actual needs before shopping with your credit cards to avoid over-spending. ![]()
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