小錢包

1. 我可以借多少錢？借多久？

小錢包是迅興為我們客戶所設計的多元化貸款產品，貸款金額沒有特定上限，貸款期最長為60個月。我們會根據客戶的不同情況以作出具彈性的貸款服務，當中會參考你的資料，包括信貸評分、月收入、職業及財務狀況。

2. 貸款申請流程是怎樣？

小錢包貸款申請流程簡單、快捷。客戶只需在Apple Store 或 Google Play 下載我們的“小錢包” 流動應用程式(App)或在網站(https://xcb.com.hk)上提交貸款申請，客戶可即時得到審批結果，我們亦會通過手機短訊通知你。成功申請後，請上傳以下有效文件（發送電子郵件至contact@hyc.com.hk 或通過WhatsApp 發送至5363-6622）。
1) 申請人的有效香港身份證正本；
2) 銀行賬戶證明（須附有您的姓名、賬戶號碼及薪酬記錄）；
3) 住址證明（3個月內有效的銀行賬單/水電煤費賬單/電訊服務賬單）；
提示：銀行賬戶證明及住址證明可用同1張證明。

貸款申請批核乃參考申請人提供之資料及信貸紀錄，申請人簽約貸款時需提供與申請資料一致的文件證明，以確保資料真實準確。文件證明若與申請資料及信貸紀錄不符合，本公司有權利拒絕此貸款。

3. 如何查看我的貸款申請狀態？

要查看你的貸款戶口狀態及記錄，需打開“小錢包” 流動應用程式(App)或登入網站(https://xcb.com.hk)，點擊導航欄的「追蹤貸款」，輸入申請貸款登記時的手提電話號碼及香港身份證號碼頭4位，登錄賬戶後即可查看你的貸款戶口狀態及記錄。

4. 如何更改我已提交的申請？

如果你在貸款申請提交後才發現貸款資料有誤，想更改貸款資料，請把需要更改資料清楚說明及發送電子郵件contact@hyc.com.hk 或WhatsApp 5363-6622 聯絡我們的客戶服務專員，謝謝！

5. 向小錢包申請貸款有什麼基本要求？申請時你需要什麼文件證明及如何提交？

你必須是年滿18歲的香港永久居民。以及能夠在申請過程中上傳以下文件證明（發送電子郵件至contact@hyc.com.hk 或通過WhatsApp 發送至5363-6622）：
1) 申請人的有效香港身份證正本；
2) 銀行賬戶證明（須附有您的姓名、賬戶號碼及薪酬記錄）；
3) 住址證明（3個月內有效的銀行賬單/水電煤費賬單/電訊服務賬單）；
提示：銀行賬戶證明及住址證明可用同1張證明。

6. 如果我現在破產，我可以申請貸款嗎？

很抱歉，由於受限於《破產條例》，我們不能接受你的貸款申請，我們歡迎你在破產期結束後再申請小錢包貸款！

7. 如果我曾經破產，我可以申請貸款嗎？

可以申請貸款，我們將根據你現有的信貸評分及財務狀況進行貸款審批。

8. 批核時間大約多久?

於“小錢包” 流動應用程式(App)或在網站(https://xcb.com.hk)上填寫申請表後，即時可得到審批結果。

9. 簽約放款時間大約多久？

審批通過後，你可以即時預約簽約時間，申請至簽約及放款最快可在同一天完成。實際情況須視乎申請金額，信貸評分，文件是否齊全等而定。

10. 為何我的申請遭拒絕？

我們會根據小錢包風控模型及A.I.人工智能自動批核系統作出信貸評估。若未能符合小錢包的批核要求，我們有機會拒絕你的申請。你可以參考以下簡單步驟改善你的信貸評分：
1) 儘量減少現有債務或進行重組債務；
2) 準時繳交信用卡及貸款每期供款。
我們歡迎你日後再次申請小錢包貸款！

11. 小錢包收取什麼費用？是否有任何隱性收費？

本公司絕不收取任何申請費、擔保費、影印費或介紹費等有關費用。所有申請人，無論最後申請被取消、申請被拒絕或授予貸款但最終沒有接納貸款，都不會有任何形式上的收費，亦絕對不會追討因磋商或授予貸款所引發或相關的費用或收費。我們絕對沒有任何隱性收費。我們的條款也是完全透明的，你看到的就是你得到的。

12. 還款日期是如何訂立的？

還款日期將會一般訂於你的出糧日期後2至5個工作天內，請確保自動轉賬的銀行戶口有足夠資金。自動轉賬付款是一項協議，允許我們於指定還款日期從你的銀行戶口中扣除還款金額。所有客戶在簽署貸款合約時，也必須簽妥直接付款授權書以安排自動轉賬付款，如在貸款期間客戶所提供之銀行戶口有任何變動，客戶應立即發送電子郵件contract@hyc.com.hk 或WhatsApp 5363-6622 聯絡我們的客戶服務專員。

13. 還款途徑有哪些?

你可透過銀行自動轉賬供款及經全港7-11便利店以現金償還欠款。

14. 如何計算還款額？

每月未償還本金+當月的利息=每月的還款額。

15. 我想提前清還我的貸款，應該怎樣做？

如你於貸款合約期間需要提前清還貸款，請發送電子郵件contact@hyc.com.hk 或Whatsapp 5363-6622聯絡我們的客戶服務專員。

16. 逾期還款有什麼後果？

逾期還款將會影響閣下的信貸紀錄，有關逾期還款事宜，請聯絡我們的客戶服務專員。如果我們持續未能聯絡閣下，將會委託律師行發出律師信追收欠款，借款人須負擔當中律師費。為免影響閣下的信貸紀錄，請準時安排每次還款。

17. 如何更改個人資料？

請把你要更改的資料連同相關證明文件電郵至contact@hyc.com.hk 或WhatsApp至5363-6622。

1) 更改地址：請提供地址證明（3個月內有效的銀行賬單/水電煤費賬單/電訊服務賬單）；
2) 更改銀行自動轉賬賬戶：請提供最近3個月的銀行賬單（須附有你的姓名、賬戶號碼及薪酬記錄）；
3) 更改手提電話號碼：為保障你的賬戶安全，我們將致電及核實你的更改需求。

18. 我無法登入到我的賬戶應怎樣處理？

如無法登入，請發送電子郵件contact@hyc.com.hk 或Whatsapp 5363-6622聯絡我們的客戶服務專員。

19. 如果我沒有收到短訊通知，該怎麼辦？

請聯絡你的電訊商檢查手提電話是否可以正常接收短訊。如果仍未收到短訊通知，請發送電子郵件contact@hyc.com.hk 或Whatsapp 5363-6622聯絡我們的客戶服務專員。

20. 如何更改收取推廣資料的指示？

推廣資料是小錢包的優惠或活動信息，我們希望當有新的優惠或活動推出時第一時間把優惠資料發送給我們的現有客戶。如需更改收取推廣資料，請將有關要求發送電子郵件contact@hyc.com.hk 或Whatsapp 5363-6622聯絡我們的客戶服務專員。

21. 我的私人資料在這個平台上是否安全？

請放心，你在我們這裡的個人及戶口資料都是安全處理的。詳細請查閱小錢包私隱政策：https://xcb.com.hk/privacy。

22. 我在瀏覽你們的網站上某些頁面出現問題？

我們採用的技術有可能不支持一些舊版本瀏覽器，所以建議下載Chrome或Firefox或Safari瀏覽器的最新版本以保障客戶資料安全。

23.小錢包會進行什麼類型的信用評估？

我們會參考環聯(TranUnion)的信貸報告以作為信貸評分計算的其中基準。

PIC Statement

HY Credit Company Limited
Notice to Customers relating to Customers’ Data

This Notice is provided to notify Customers of the data policies of HY Credit Company Limited (“Company”).

(a) From time to time, it is necessary for Customers to supply the Company with data in connection with the opening or continuation of accounts and the establishment or continuation of credit facilities or provision of other services.

(b) Failure to supply such data may result in the Company being unable to open or continue accounts or establish or continue credit facilities or provide other services.

(c) It is also the case that data are collected from Customers in the ordinary course of the business including those given in person or through telephone or internet in processing new or renewal of loan applications or services. This includes information obtained from credit reference agency.

(d) The purposes for which personal data relating to a Customer may be used by the Company or the recipient of such data are as follows:-
(i) the processing of applications for services and credit facilities and the daily operation of the services, credit facilities provided to Customers;
(ii) conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year;
(iii) assisting other money lenders and/or financial institutions, credit or charge card issuing companies and debt collection agents to conduct credit checks and collect debts;
(iv) ensuring ongoing credit worthiness of Customers;
(v) designing financial services or related products for Customers' use;
(vi) marketing services and products and other subjects (please see further details in paragraph (f) below;
(vii) determining the account transactions/balances between the Company and Customers;
(viii) collection of amounts outstanding from Customers, or those providing security for Customers' obligations or other co-borrower(s);
(ix) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Company or any of its branches or that it is expected to comply according to:
(1) any law binding or applying to it within or outside the Hong Kong Special Administrative Region (“Hong Kong”) existing currently and in the future;
(2) any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside the Hong Kong existing currently and in the future;
(3) any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Company or any of its branches by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations;
(x) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within Group of HY Credit Company Limited and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
(xi) enabling an actual or proposed assignee of the Company, or participant of sub-participant of the Company's rights in respect of the Customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participations;
(xii) conducting matching procedures;
(xiii) creating and maintaining the Company’s credit scoring models; and
(xiv) purposes relating thereto.

(e) Data held by the Company relating to a Customer will be kept confidential but the Company may provide such information to the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph (d):-
(i) any agent, contractor or third party service provider who provides administrative, telecommunications, Electronic Fund Transfer service, computer, payment, debt collection or other services to the Company in connection with the operation of its business;
(ii) any branch, subsidiary, holding company, associated company or affiliate of the Company;
(iii) any other person under a duty of confidentiality to the Company which has undertaken to keep such information confidential;
(iv) credit reference agencies, and, in the event of default, to debt collection agencies or law firms;
(v) any person to whom the Company or any of its branches is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the Company or any of its branches are expected to comply, or any disclosure pursuant to any contractual or other commitment of the Company or any of its branches with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside the Hong Kong and may be existing currently and in the future;
(vi) any party giving or proposing to give a guarantee or third party security to guarantee or secure the Customer's obligations and any co-borrower(s); and
(vii) any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company's rights in respect of the Customer; and
(1) Any member of HY Credit Company Limited;
(2) third party financial institutions, insurers, credit card companies, securities and investment services providers;
(3) third party reward, loyalty or privileges programme providers;
(4) co-branding partners of the Company (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s) / poster(s) for the relevant services and products, as the case may be);
(5) charitable or non-profit making organisations; and
(6) external service providers (including but not limited to mailing houses, telecommunications companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that the Company engages for the purposes set out in paragraph (d) (vi).
Such information may be transferred to a place outside Hong Kong.

(f) USE OF DATA IN DIRECT MARKETING
The Company intends to use a Customer's data in direct marketing and the Company requires the Customer's consent (which includes an indication of no objection) for that purpose. In this connection, please note that:
(i) the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a Customer held by the Company from time to time may be used by the Company in direct marketing;
(ii) the following classes of services, products and subjects may be marketed:
(1) ﬁnancial services and related products including insurance products;
(2) reward, loyalty or privileges programmes and related services and products;
(3) services and products offered by the Company’s branding partners (the names of such co-branding partners can be found in the application form(s) and/or advertising leaﬂet(s) / poster(s) for the relevant services and products, as the case may be); and
(4) donations and contributions for charitable and/or non-proﬁt making purposes;
(iii) the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:
(1) Any member of HY Credit Company Limited;
(2) third party financial institutions, insurers, credit card companies, securities and investment services providers;
(3) third party reward, loyalty, co-branding or privileges programme providers;
(4) co-branding partners of the Company; and
(5) charitable or non-proﬁt making organisations;
(iv) in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph (f)(i) above to all or any of the persons described in paragraph (f)(iii) above for use by them in marketing those services, products and subjects, and the Company requires the Customer's written consent (which includes an indication of no objection) for that purpose;
(v) The Company may receive money or other property in return for providing the data to the other persons in paragraph (f)(iv) above and, when requesting the Customer's consent or no objection as described in paragraph (f)(iv) above, the Company will inform the Customer if it will receive any money or other property in return for providing the data to the other persons.

If a Customer does not wish the Company to use or provide to other persons his data for use in direct marketing as described above, the Customer may exercise his opt-out right of mail, email, Mobile Message, telephone by notifying the Company without charge.
(g) Practice in collecting personal data on-line:
(i) The Company will follow strict standards of security and confidentiality to protect any information provided by Customers to the Company online. Encryption technology is employed for sensitive data transmission on the Internet to protect individuals' privacy.
(ii) When a Customer visits the Company's website, the Company will record the visit only as a “hit”. The webserver will also make a record of the visit that includes the Customer's IP addresses (and domain names), the types and configurations of browsers, language settings, geo-locations, operating systems, previous sites visited, and time/durations and the pages visited (“Visitor Data”). The Visitor Data are used for the purpose of maintaining and improving the Company's websites such as to determine the optimal screen resolution, which pages have been most frequently visited etc. The Company uses such data only for website enhancement and optimisation purposes. The Company does not use, and has no intention to use the Visitor Data to personally identify anyone.
(iii) Cookies are small pieces of data transmitted from a web server to a web browser. Cookie data are stored on a local hard drive such that the web server can later read back the cookie data from a web browser. This is useful for allowing a website to maintain information on a particular user. At present, the Company will not use cookie files and if it shall in future use cookie files, it will only use the cookie files as a session identifier and will not store the Customer’s sensitive information in cookies.
(iv) The aforesaid data collected will be stored in the webserver but will only be used for the aforesaid purposes. Such data will be destroyed within 6 months after being collected.
(v) Contents of any electronically transmitted communications by a Customer via the website and/or its links, no matter whether they are email messages, text or voice messages etc, will be stored in the Company's server for the purposes as set out in paragraph (d) above. If the Company does not approve the Customer's application for services, such data collected will be destroyed within 6 months. If the application is approved, such data will be kept for 6 years.
(vi) For requests by the Company on its website or in the application forms linked therewith for personal data to be filled in by the Customer in such boxes/fields marked with asterisks, the Company may not be able to offer any services if the Custoner does not provide such data as requested. The Customer has the choice to provide or not to provide such requested data in those boxes/fields not marked with asterisks. If a Customer does provide any telephone contact number(s), the Company may contact the Customer through such telephone number(s) to follow up the applicable services provided or to be provided.
(vii) The availability of hyperlinks or connection to other sites / addresses, applications at the Company’s Website does not mean or imply any authentication, verification, representation, approval or endorsement by the Company of such hyperlinks, connection, or the identity or information relating to such sites / addresses. The Company shall have no liability whatsoever for such hyperlinks, connection, applications, the contents, availability, accuracy or omission of information at other sites / addresses linked to or found on the sites / addresses that link to or from the Company's Website. They are accessed and used at the Customer's own risks.

(h) Under and in accordance with the terms of the Personal Data (Privacy) Ordinance (the "Ordinance"), the Code of Practice on Consumer Credit Data and any statutory or regulatory guidelines issued by the Privacy Commissioner or other regulatory bodies, any Customer has the right :-
(i) to check whether the Company holds data about him and the right of access to such data;
(ii) to require the Company to correct any data relating to him which is inaccurate;
(iii) to ascertain the Company's policies and practices in relation to data and to be informed of the kind of data held by the Company;
(iv) to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency;
(v) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Company to a credit reference agency, to instruct the Company, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within ﬁve years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within ﬁve years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Company to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of ﬁnal settlement of amount in default lasting in excess of 60 days (if any)).

(i) In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data (as defined in paragraph (g)(v) above) may be retained by the credit reference agency until the expiry of ﬁve years from the date of ﬁnal settlement of the amount in default.

(j) In the event any amount in an account is written-off due to a bankruptcy order being made against a Customer, the account repayment data (as defined in paragraph (g)(v) above) may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until the expiry of ﬁve years from the date of ﬁnal settlement of the amount in default or the expiry of ﬁve years from the date of discharge from a bankruptcy as notiﬁed by the Customer with evidence to the credit reference agency, whichever is earlier.

(k) The Company may access the database of credit reference agencies for the purposes of credit review from time to time. Which review may involve the consideration by the Company of any of the following matters:-
(i) an increase in the credit amount;
(ii) the curtailing of credit (including the cancellation of credit or a decrease in the credit amount); or
(iii) the putting in place or the implementation of a scheme of arrangement with the Customer.

(l) In accordance with the terms of the Ordinance, the Company has the right to charge a reasonable fee for the processing of any data access request.

(m) The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed as follows :-
The Data Protection Ofﬁcer
HY Credit Company Limited
Room 1509-12, 15/F.,Tai Yau Building,
181 Johnston Road,
Wan Chai, Hong Kong.
Fax: (852) 2500 2822

(n) The Company may have obtained a credit report on the Customer from a credit reference agency in considering any application for credit. In the event the Customer wishes to access the credit report, the Company will advise the contact details of the relevant entity.

(o) The expression “Customer” includes both borrower and guarantor as individuals or corporations (and the latter’s directors, shareholders or other ofﬁcers) and unincorporated associations (sole proprietor or partners). Credit means consumer and commercial credit (including Hire Purchase and Leasing). All references to one gender are a reference to all other genders and the singular includes the plural.

(p) Data of a data subject may be processed, kept and transferred or disclosed in and to any country as the Company or any person who has obtained such data from the Company referred to in (e) above considers appropriate. Such data may also be released or disclosed in accordance with the local practices and laws, rules and regulations (including any governmental acts and orders) in such country.

(q) Nothing herein shall limit the right of Customers under the Ordinance.

(r) This Notice shall upon a Customer's receipt, be deemed an integral part of all contracts, agreements, credit/banking facility letters, and other binding arrangements which the Customer has entered into or intends to enter into with the Company.

(The English version of this Notice shall prevail wherever there is a discrepancy between the English and Chinese version.)

Customers may, at any time and without charge, request our Company cease using their personal data for direct marketing purposes by writing to the Data Protection Officer at the address or fax number provided in paragraph (I).

常見問題