CreFIT: Loan, Credit, Cashback app analytics for February 6

Your Lunar New Year invite has arrived ✉ Check the event schedule: 1. Registration ◆30 Jan 10AM–17 Feb 3AM◆ Register for HK$50 Lunar New Year voucher via WhatsApp. 2. Redemption ◆11 Feb 4PM–17 Feb 3AM◆ Redeem the voucher and enjoy it at: • Booth 27-28, Victoria Park, Causeway Bay, or • Booth 23-24, Fa Hui Park, Prince Edward, or • Booth 113-114, Sha Tsui Road Playground, Tsuen Wan 3. Bonus Mission ◆11 Feb 4PM–3 Mar 11:59PM◆ Log your expenses on the App for 7 consecutive days for HK$100 cash reward. For more details, please check our Facebook, the official website and App. === From now until March 31, 2026, new customers who successfully draw down the specified loan amount of CreFIT Cash Loan with a loan term of 12 months or more may enjoy a cashback of up to HK$20,000!* === TIME-LIMITED OFFERS Referral Scheme • Refer friends and easily earn up to HK$3,888 cash reward. Earn up to HK$2,688 for each successful referral* CreFIT Mobile Cash x MyLink Rewards • Enjoy a 12% interest rebate and an activation reward equivalent to HK$100 MyLink points for every successful loan application through MyLink App and identity verification on CreFIT. Offer valid until December 31, 2026* === FEATURES OF THE CreFIT APP • Moni Bill - Smart Bill Management Consolidate all your credit card bills in one app. Receive due dates reminders, automatic analysis, and get alerts for unusual charges—all free of charge. Stay in control and safeguard your financial health with easy steps! FEATURES OF CreFIT CASH LOAN • Special loan program for civil servants, professionals, and selected customers Eligible applicants may enjoy a low interest rate plan with effective rate as low as 1.38%, designed for maximum flexibility at minimal cost. Limited quota available. • New customer cashback offer: Cashback amount is based on the approved loan amount. • Incognito mode Quotation. No income proof required. Fully automated quotation with no impact on credit rating#. • Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. • Flexible repayment periods between 6 to 48 months. • No Extra Fee. No hidden fees. Fair and transparent pricing with fully automated calculations. FEATURES OF CreFIT ClearCard Credit • All digital handling from application to cash transfer, available 24/7. • Resolve credit card debts in just 3 minutes. • No credit report checks. No impact on your credit rating. • Accepted by 17 major card issuers like HSBC, BOCHK, Hang Seng, and more. For details, please refer to the website. === LOAN REPAYMENT INFORMATION • The minimum repayment period is 3 months, and the maximum is 48 months. • The effective rate generally does not exceed 36%. • A brief description of loan-related fees is as follows, for reference only: Loan amount: HK$200,000 Interest rate: monthly flat rate 0.343% Effective rate: 8% Repayment period: 24 months Total interest = Loan amount x Monthly flat rate x Repayment periods HK$200,000 x 0.343% x 24 = HK$16,464 Total payment amount = Loan amount + Total interest HK$200,000 + HK$16,464 = HK$216,464 Monthly repayment amount: (Loan amount + Total interest) / Repayment periods HK($200,000 + $16,464) / 24 = HK$9,019.33 The loan amount and interest rate are subject to individual circumstances and final approval results === Warning: You have to repay your loans. Don't pay any intermediaries Inquiries and complaints Hotline: 6369 2338 Money Lender's Licence No.: 0819/2025 VCREDIT Finance Limited #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that. ^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website. *Offers subject to relevant terms and conditions *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes Address: Room 1101, Tower 1, Admiralty Centre, No. 18 Harcourt Road, HK