Payout Information

1. We will deposit the loan to your credit card before cut-off time and the cut-off time is Monday to Friday at 2:30PM. You can check the credit card account detail later on.
2. After the loan agreement is confirmed and the loan is approved. The loan will be transfer to customer' credit card account, the transfer cut off time is Monday to Friday 2:30PM, Saturday and Public Holidays the loan would not transfer to customer' credit card account. If customer is confirmed the loan during Saturday and Public Holidays, the loan will be transfer after the next working day. Actual transfer time is subject to each individual bank’s transfer service hours.

3-days Cooling-off Period

1. Subject to the approval of the Credit Hero Limited, a 3-days Cooling-off Period is offered on application by Eligible Customers who have successfully applied for and drawn down the Loan and wish to early redeem the Loan in full within 3 calendar days of the drawdown date. Subject to Credit Hero Limited's approval of the application for the 3-days cooling-off period and settlement of the Loan in full to Credit Hero’s satisfaction, Credit Hero Limited will waive the instalment loan interest payable by the relevant Eligible Customer under the Loan (“Waiver”). For example, drawn down date is 3 December and early settlement of the loan Before 6 December (5:00PM), Credit Hero Limited will waive the instalment loan interest payable by the relevant Eligible Customer under the Loan.
2. Each new customer may only enjoy once of the 3-days Cooling-off Period once during the Eligible Customers who have successfully applied for and drawn down the Loan.
3. These terms and conditions should read in conjunction with the Credit Hero's Instalment Loan Terms and Conditions. If there are any inconsistencies between the Instalment Loan Terms and Conditions and the terms herein, the Instalment Loan Terms and Conditions shall prevail.
4. In case of any ambiguity, doubts or dispute arising out of or under any of these terms and conditions or any communications (whether written or oral), the decision of Credit Hero Limited, shall be final and conclusive.
5. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong SAR and the parties submit to the jurisdiction of the courts of the Hong Kong SAR.
6. In case of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Please note that we do not appoint any third parties to refer Credit Card Instalments Plan applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852) 2366 6398.