Credit Card Statement
信用卡月結單
3440000004180793
LI WING KAM Statement Date 截數日期 : 15 Nov 2023
ROOM 1105 Payment Due Date 繳款日期 : 13 Dec 2023
HA KWAI HSE
KWAI CHUNG EST
KWAI CHUNG NT
PPS Merchant Code 「繳費靈」商戶編號 17 REPAYMENT SLIP 還款單
Card Account Statement Balance Min. Payment Due Split Your Bills Payment Encl.
信用卡戶口 本期結欠賬項 最低付款額 簽賬分期 本人繳付之金額
MANHATTAN PLATINUM VISA
HKD 850.76 HKD 220.00
4140-04XX-XXXX-4646 https://www.sc.com/hk
/credit-cards/statement-
instalment-plan/
HKD Total 總額 850.76 220.00
Important Information 重要資料
Your credit card account number(s) have been partially masked to safeguard your security. Please login to Standard Chartered Online Banking and
SC Mobile, or refer to your credit card to view your credit card account number(s) in full.
為保障閣下安全，閣下的信用卡戶口號碼已被部分隱藏。如欲查看完整信用卡戶口號碼，請登入渣打網上理財及SC Mobile或參考信
用卡。
If you choose to pay by mail, please send your crossed cheque payable to "Standard Chartered Bank (HK) Ltd" together with this Repayment Slip to
G.P.O Box 567, Hong Kong at least 3 working days before the Payment Due Date. Please write your FULL credit card account number on the reverse
side of the cheque.
如欲以支票付款，請於劃線支票抬頭寫上「渣打銀行（香港）有限公司」，並於支票背面寫上完整信用卡戶口號碼，然後連同此還款
單於繳款日期三個工作天前寄交香港中環郵政總局信箱 567 號。
Please indicate the payment amount of EACH credit card account by writing the amount(s) in the column "Payment Encl." above. If you have more
than one credit card account (including Instalment), please specify amount you wish to pay to EACH account.
請在右列「本人繳付之金額」欄，填上信用卡賬戶之還款額。如閣下持有兩個或以上之卡戶口（包括分期付款戶口），請分開個別戶
口付款。
To apply for the Statement Instalment Plan, please scan the QR code or visit the link in "Split Your Bills".
如欲申請信用卡月結單分期計劃，請掃描或瀏覽「賬單分期付款」內之二維碼或網址。
Please examine your statement immediately. Contents of this statement will be considered correct if no error is reported within 60 days from the
Statement Date. See overleaf for important information regarding fees, charges and appropriation of payment.
請立即審核此月結單，若本行於發出月結單後６０日仍未收到閣下之查詢，一切賬項均作實論。並請參閱背頁有關收費、利息和還款
資料。
If you have any questions concerning your statement, please call (852) 2881-0888.
閣下如對此月結單有任何查詢，請電 (852) 2881-0888。
Approved Credit Limit 信貸額: HKD 247,000
Previous Balance + Purchases + Cash Advance + Charges = Statement
- Payments (HKD) - Credits (HKD)
(HKD) (HKD) (HKD) (HKD) Balance (HKD)
已繳付款項 (港幣) 存款 (港幣)
上期結欠賬項 (港幣) 消費 (港幣) 透支現金 (港幣) 收費 (港幣) 本期結欠賬項 (港幣)
1,030.00 1,030.00 0.00 850.76 0.00 0.00 850.76
MANHATTAN PLATINUM VISA 4140-04XX-XXXX-4646
Date Description Amount (HKD)
日期 進支詳列 港幣銀碼
BALANCE FROM PREVIOUS STATEMENT 上期結欠賬項 1,030.00
Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司 Page 1 of 5
Manhattan Card - a division of Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司轄下部門
Date Description Amount (HKD)
日期 進支詳列 港幣銀碼
19 Oct LENOVO (HONG KONG) L41117 @02/12 Transaction Ref 74509363292001000320968 472.60
30 Oct PPS3102900000000000 202 Transaction Ref 74509363303000588003514 1,030.00CR
07 Nov HK DISNEYLAND IN MTH PYT @01/12 Transaction Ref 74509363311001000251780 267.00
11 Nov HK DISNEYLAND IN MTH PYT @03/12 Transaction Ref 74509363315001000363581 111.16
STATEMENT BALANCE 本期結欠賬項 850.76
MINIMUM PAYMENT DUE 最低付款額 220.00
In your current statement 閣下今期月結單
Finance charge for purchase : 0.0914% per day (APR 35.70%) Finance charge for cash advance : 0.0847% per day (APR 35.93%)
購物財務費 : 每日 0.0914% (實際年利率 35.70%) 透支現金財務費 : 每日 0.0847% (實際年利率 35.93%)
BONUS POINT PROGRAMME 簽賬積分計劃
Points Previous
Account No. Points Earned Points Redeemed Points Available Points Expiry Date
Balance
戶口 本月所得積分 本月兌換積分 尚餘積分 積分到期日
上期積分結餘
TOTAL 總額 0 851 851 0
Please login 360° Rewards Redemption Platform via Standard Chartered Online Banking to convert your Points to cash now! For details and Terms &
Conditions, please visit sc.com/hk
請即透過渣打網上理財登入「360°全面賞」網上換領平台兌換您的積分為現金!有關詳情及條款細則，請瀏覽sc.com/hk
CASHBACK PROGRAMME 現金回贈計劃
CashBack Previous CashBack Earned CashBack CashBack Available CashBack
Account No.
Balance (HKD) (HKD) Redeemed (HKD) (HKD) Expiry Date
戶口
上期回贈結餘 (港幣) 本月所得回贈 (港幣) 上月兌換回贈 (港幣) 尚餘回贈 (港幣) 回贈到期日
4140-04XX-XXXX-4646 19.84 4.24 0.00 24.08 N/A
TOTAL 總額 19.84 4.24 0.00 24.08
CashBack earned will not be automatically credited to your credit card account. To get cash, please redeem under our 360° Rewards Redemption
Platform. For details and Terms & Conditions, please visit sc.com/hk or login Standard Chartered Online Banking.
「現金回贈」不會自動存入賬戶，請於「360°全面賞」網上換領平台自行換領現金。有關詳情及條款細則，請瀏覽sc.com/hk或登入渣打網上理財。
You may, at any time without charge, choose not to have any temporary credit limit extension for your card. If you do not indicate your acceptance on the temporary credit limit
extension service (if applicable) on or after 1 November 2023, you will be deemed to have given your rejection to the Bank to grant the temporary credit limit extension service to
your credit card(s). If you indicate your acceptance on any such temporary credit limit extension service, an Overlimit Charge is payable upon the outstanding balance debited in
your card account over your granted credit limit in each credit card statement cycle.
Over-the-limit transactions can still happen even if you have opted-out from the temporary credit limit extension service and thus Overlimit Charge may be chargeable. The over-the-
limit transactions include, but are not limited to, Octopus automatic add-value service, autopay, late posting of a transaction due to the mode of spending (such as online purchase
and overseas purchase with foreign currency chosen as the settling currency), stand-in authorisation waited to be run overnight and transactions made by Visa payWave or
Mastercard contactless service (for applicable credit card only) which signature is not required for verification. For enquiry on the above arrangement and the current Overlimit
Charge, please call our MANHATTAN Credit Card 24-hour Customer Service Hotline at (852) 2881-0888.
Finance charge for cash advance may be accrued after the statement cut-off date and will be displayed in the next statement. Please call our 24-hour Customer Service Hotline to
ascertain your prevailing or applicable interest rate, accrued finance charge for cash advance and how to fully settle the cash advance finance charge before the next statement
date.
閣下可以隨時選擇取消閣下的信用卡的臨時信用限額，而無需支付任何費用。如閣下未有於2023年11月1日或之後向本行表明接受臨時信用限額（如適用），閣下將視作不同意本行為
閣下的信用卡給予臨時信用限 額。當閣下表明接受上述安排後, 閣下的信用卡賬戶之未付清結餘超出每個月結單週期內授予閣下的信用限額，便須就該款額支付超逾信用額費。
即便閣下選擇取消臨時信用限額，超出信用限額交易亦可能發生，屆時可能仍會收取超逾信用額費。超出信用限額交易包括但不限於：八達通自動增值服務；自動轉賬；因消費模式以
致延遲記賬的交易（如線上購物、以外幣作為結算貨幣進行海外購物等）；未能即時執行的代授權及透過 Visa payWave 或 Mastercard contactless 服務（只適用於有關信用卡）所作
而毋須簽署認證的交易。如欲查詢上述安排及現行之超逾信用額費，請致電MANHATTAN信用卡 24小時客戶服務熱線(852) 2881-0888。
透支現金財務費或會於信用卡月結單截數日期後持續累計並會顯示於下一期信用卡月結單。客戶可透過24小時客戶服務熱線查詢有關現行或適用於閣下的利率、累計透支現金財務費以
及如何於下一期信用卡月結單截數日期前悉數清還透支現金財務費。
Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司 Page 2 of 5
Manhattan Card - a division of Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司轄下部門
Information regarding making minimum payment (The below examples are for illustration only). 有關繳付最低還款額資料（以下例子只供參考）。
If you make no additional charges, purchases and cash
You will pay off the outstanding balance of HK$20,000*
advances on this card and each month you pay... And you will end up paying an estimated total of
in about
假設閣下於此卡沒有額外收費、購物及透支現金且閣下每 及預期需繳付之總額為
閣下清還結欠HK$20,000*需要
月繳付⋯
(1) Only the Minimum Payment Due 僅最低付款額# 174 months 月 HK$64,216.04
HK$31,449.45***
(2) HK$873.64 36 months 月**
(Savings 節省金額 (1) − (2) = HK$32,766.59)
Assumptions 假設
* The outstanding balance of HK$20,000 is accrued from purchase only. 結欠 HK$20,000 為購物所積累。
** Assume repayment is made on or before the Payment Due Date of each statement. 假設閣下於每期月結單的繳款日期或之前繳還款項。
***Include the outstanding balance of HK$20,000 and the finance charge for purchase is 33.36% per annum (Annualised Percentage Rate ("APR")) is 35.70% and accrued daily.
Repayments are due on the 25th day after the statement date, and it is assumed that repayments are made on or before the due date.
包括結欠HK$20,000及購物財務費為每年33.36%（實際年利率為35.70%）並逐日計算。繳款日期為月結單截數日期後的第25天，而且假設閣下於繳款日期或之前繳還款項。
# All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding
principal or HK$/CNY220, whichever is higher.
所有利息及費用（包括年費）及超逾信用額之全數金額及／或逾期之全數金額（如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元／人民幣，以
較高者為準。
If you would like to calculate for yourself the period of time (number of months) and total cost (including interest and principal payments) incurred to settle a certain amount of
outstanding balance in full by (i) making minimum payment only; or (ii) to pay off in 36 months, a customised Credit Card Repayment calculator is available at sc.com/hk.
如果想要自行計算 (i) 僅透過償還最低還款額;或 (ii) 在３６個月內分期還款之還款期（以月份計算）及總成本（包括利息和本金償還），閣下可以使用sc.com/hk/zh上的信用卡還款計算
器。
For fees relating to foreign currency transactions, charges by Visa and Mastercard ("Card Associations") are based on the actual reimbursement charge to the Bank, you may refer
to the Credit Card Key Facts Statement for details. The Bank and Card Associations do not impose fees for foreign currency transactions at or below HK$0.49.
有關外幣交易手續費， Visa 及 Mastercard（「卡機構」）之實際收費根據本行被卡機構徵收之費用而定，詳情請瀏覽信用卡資料概要。本行及卡機構就 HK$0.49 或以下之外幣交易並
無收費。
- End of Statement -
Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司 Page 3 of 5
Manhattan Card - a division of Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司轄下部門
Important Note
Bogus communications include but not limited to bogus phone call and fraudulent SMS messages purportedly from banks
Please be aware of bogus phone call and fraudulent SMS messages purportedly from banks, citing account irregularities and requesting input of personal
information or calling back a bogus hotline number quoted in the SMS messages to check the transactions. Please note that the Bank will not ask for
personal information through pre-recorded messages. Do not disclose any personal information to bogus communications (such as fraudulent telephone
calls, voice messages, emails, SMS and communications in other formats). If in doubt, ask for the caller’s contact details and verify with the Bank or verify
the hotline numbers with the Bank before calling. Should you suspect any information leakage through bogus communications including but not limited to
bogus phone call or bogus bank hotline number, please contact our staff at 2886-8868 (press 2-6-0) or report to Police immediately.
To keep our records updated and maintain a high quality of service, we appreciate if you could inform us of any changes to your personal particulars when
they occur. Please log into Standard Chartered Online Banking > Update Client Information > Update Profile or SC Mobile > Update Profile Details to
make the request. Alternatively, you can download and complete the Change of Contact Information Form for Individual Client at https://av.sc.com/hk
/content/docs/hk-ca051g.pdf and submit to any of our branches.
Payment Methods
You may settle your MANHATTAN Credit Card account by any of the following methods. To maintain your good credit record and to avoid late charges,
please make sure that at least the Minimum Payment is received by the Bank on or before the Payment Due Date.
1. Internet Banking Service: You may log into Standard Chartered Online Banking at our website sc.com/hk or SC Mobile to make payment on or before
the Payment Due Date. The cut-off time for payments via SC Credit Cards page is 10:30 PM (Monday to Saturday) and Bill Payment page is 4:00 PM
(Monday to Friday, excluding public holidays).
2. Direct Debit Authorisation Service: Please download a Credit Card – Direct Debit Authorisation Registration Form from https://www.sc.com/hk/help
/download-centre/credit-cards-forms-and-documents/. We will transfer the requested amount, either the Full Payment or Minimum Payment, from your
designated current/savings bank account after the Payment Due Date. Debiting will be processed on or after the Payment Due Date, please ensure
there are sufficient funds to debit from the designated bank account until 5 business days after the Payment Due Date. There is no additional charge for
this service. If you would like to change the payment amount or stop the transfer, please call our MANHATTAN Credit Card 24-hour Customer Service
Hotline at (852) 2881-0888 before 8:00 PM of the business day prior to the Payment Due Date.
3. Payment by Phone Service (PPS): You may transfer funds from any designated bank account in Hong Kong by a tone phone or Internet with PPS.
Please call 18031 (English) or 18033 (Cantonese) or visit website www.ppshk.com to make your payment before 7:00 PM of the business day
(excluding Saturdays) on or before the Payment Due Date. The PPS merchant code for MANHATTAN Credit Cards is “17”. The funds to be transferred
should not be more than HKD100,000 per account per day (including EPS). For details, please dial the PPS pre-recorded hotline on 900 0022 2329
(English) or 900 0022 2328 (Cantonese).
4. Standard Chartered/JETCO ATMs: You may settle your credit card bill by transferring funds from your current/savings account(s) with our Bank by 11:
00 PM of the business day on or before the Payment Due Date or through Jet Payment by 7:00 PM of the business day (excluding Saturdays) on or
before the Payment Due Date.
5. Cash payment: You may deposit cash at Cash Deposit Machines at Standard Chartered branches or Standard Chartered Automated Banking Centres
by 10:30 PM of the business day on or before the Payment Due Date.
6. Cheque payment at Standard Chartered branches: You may drop a crossed cheque in the Cash and Cheque Deposit Machine or Payment Drop Box at
Standard Chartered branches and write your full credit card account number# and contact phone number on the reverse side of the cheque. Please
refer to the notice at designated branches for the respective cut-off time.
7. Cheque payment by mail: You may pay by a crossed cheque made payable to "Standard Chartered Bank (Hong Kong) Limited", write your full credit
card account number# and contact phone number on the reverse side of the cheque and send it with your repayment slip at least 3 business days
before the Payment Due Date to G.P.O. Box 567, Hong Kong. Please do NOT send cash through the post.
8. Customer Service Hotline: You may call our MANHATTAN Credit Card 24-hour Customer Service Hotline at (852) 2881-0888 and enter your Tele-
electronic Identification Number (TIN) to transfer funds for settlement from your current/savings account(s) with our Bank by 10:30 PM of the business
day on or before the Payment Due Date.
Post-dated cheques will not be accepted. All payments including cheques and bank account transfers will be reflected in the credit card account(s) from
the business day following the day of receipt.
Minimum Payment/Payment Allocation Report a Lost or Stolen Card Immediately
To learn more about minimum payment/payment allocation, please visit If your card is lost/stolen, please call our 24-hour Card Lost Hotline (852)
https://www.sc.com/hk/credit-cards/credit-card-repayment-calculator/. 2886-6016.
Fee & Charges Any Query About Your Card Account
For a copy of the "List of Service Charges", please visit https://www.sc. Please call our MANHATTAN Credit Card 24-hour Customer Service
com/hk/help/service-charges/. Hotline (852) 2881-0888.
(If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.)
Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司 Page 4 of 5
Manhattan Card - a division of Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司轄下部門
重要提示
可疑通訊包括但不限於偽冒語音電話及短訊
鑑於最近有偽冒語音電話及短信聲稱客戶之戶口出現異常情況藉此索取個人資料或要求致電偽冒短訊上之熱線電話，本行絕不會透過語音電話索取個人資
料，客戶切勿向可疑通訊（例如：欺詐來電、語音訊息、電郵、短訊及其他偽冒方式）透露個人資料。如對來電者身份或熱線電話之真偽有懷疑，請要求來
電者提供聯絡資料，並於致電熱線電話前，與銀行核實。如懷疑曾向可疑通訊包括但不限於可疑來電或可疑熱線電話提供個人資料，請儘快與本行職員查詢
（2886-8868按1-6-0）或與警方聯絡。
為確保本行保存最新紀錄及維持高水準服務，如閣下的個人資料有所變更，我們懇請閣下通知本行。請登入渣打網上理財，選擇「更新客戶資料」>「個人
資料」或登入渣打流動理財，選擇「更新個人資料」以提交您的申請。閣下亦可於https://av.sc.com/hk/content/docs/hk-ca051g.pdf 下載並填妥「個人客戶
更改通訊資料表格」，並親臨我們的分行提交。
繳款方法
閣下可透過以下任何一種方法繳付您的MANHATTAN信用卡賬單。請於到期繳款日或之前向本行至少繳付最低還款額以維持良好的信貸紀錄及避免逾期費
用。
1. 網上銀行服務：閣下可於本行網址sc.com/hk/zh登入渣打網上理財或登入渣打流動理財並在繳款日期或之前繳付賬項。透過渣打信用卡頁面繳款的截止時
間為下午10時30分（星期一至星期六），而賬單繳費頁面則下午4時（星期一至星期五，公眾假期除外）。
2. 直接付款授權服務：請從https://www.sc.com/hk/zh/help/download-centre/credit-cards-forms-and-documents/ 下載「信用卡 – 直接付款授權書」。本行
將於繳款日期後從閣下指定之往來或儲蓄戶口中轉賬閣下訂立的金額（全數款額或最低付款額）。扣款將在繳款日期或之後進行，請於繳款日期內五個營
業日於指定之賬戶中預留足夠款項以作扣款。此項服務不收取任何費用。如需更改繳款金額或停用轉賬，請於繳款日期前一個營業日晚上8時前致電
MANHATTAN信用卡24小時客戶服務熱線 (852) 2881-0888。
3. 繳費靈(PPS)：閣下可使用音頻電話或互聯網，於繳款日期或之前的營業日（除星期六外）晚上7時前從香港任何一個指定的銀行戶口轉賬繳款。請致電
18031（英語）或18033（粵語）或登入網站www.ppshk.com 繳付賬項。MANHATTAN信用卡商戶編號為「17」。每日每戶轉賬款額不可高於港幣十萬
元（包括易辦事）。查詢詳情請致電「繳費靈」錄音熱線900 0022 2329（英語）或900 0022 2328（粵語）。
4. 渣打／銀通自動櫃員機：閣下可透過本行之往來或儲蓄賬戶於繳款日期或之前的營業日晚上11時前轉賬付款，或透過「繳費易」服務於繳款日期或之前的
營業日（除星期六外）晚上7時前付款。
5. 現金付款：閣下可於繳款日期或之前的營業日晚上10時30分前在各渣打分行或渣打自助銀行中心的現金存款機存入現金繳賬。
6. 於渣打分行支票付款：閣下可將劃線支票投入渣打銀行各分行的現金及支票存款機或收集箱，抬頭請寫「渣打銀行（香港）有限公司」，並在支票背面寫
上閣下之完整信用卡戶口號碼及聯絡電話號碼。每日的截止時間請參閱指定分行之告示。
7. 郵寄支票付款：閣下只須以劃線支票，抬頭請寫「渣打銀行（香港）有限公司」，並在支票背面寫上閣下之完整信用卡戶口號碼及聯絡電話號碼，連同還
款單最遲於繳款日期前三個營業日寄回香港中環郵政總局信箱567號。切勿郵寄現金。
8. 客戶服務熱線：閣下可致電MANHATTAN信用卡24小時客戶服務熱線 (852) 2881-0888 並輸入您的電子理財私人密碼，於繳款日期或之前的營業日晚上
10時30分前透過您在本行之往來或儲蓄戶口繳付賬項。
遠期支票將不被接納。所有繳款，包括透過支票及銀行轉賬，會在收款後的營業日生效。
最低付款額／繳款分配 信用卡遺失或被竊
如欲知「最低付款額／繳款分配」之計算方式，請瀏覽https://www.sc. 如閣下之信用卡遺失或被竊，應立即致電本行24小時報失卡熱線 (852)
com/hk/zh/credit-cards/credit-card-repayment-calculator/。 2886-6016。
利息與收費 利息與收費
如欲索取服務費用一覽表，請瀏覽https://www.sc.com/hk/zh/help/service- 如閣下對賬戶有任何問題，請致電MANHATTAN信用卡24小時客戶服務熱
charges/。 線 (852) 2881-0888。
（中文譯本之文義如與英文本有異，概以英文本作準。）
Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司 Page 5 of 5
Manhattan Card - a division of Standard Chartered Bank (Hong Kong) Limited 渣打銀行（香港）有限公司轄下部門
