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香港九龍尖沙咀東部科學館道 14 號新文華中心 A 座 516 室. 除此之外，亦會收取現金透支手續費 約透支額３ 、逾期費用 約最低付款額５ 等。 使用信用卡雖然帶給我們生活上的方便，但仍需注意每張卡所收取的費用，如簽賬後拖欠咭數 ，發卡銀行或機構便會收取財務費用 即所謂利息 ，而利息通常是按拖欠咭數的欠款及累積利息逐日計算。 若持卡人未能於繳款日前全數還款 ( 即 拖欠咭數 ) ，欠款即時成為信用卡債務，而所有新簽賬項亦不會享有免息期 消費者亦須注意低息背後的限制條款。 若未能依時繳付至少最低還款額，利率將大幅提高 最高至年息 36% 而部分推廣低息，只適用於成功申請初期。 假設閣下用信用卡借了 $10,000 ，銀行收取 2% 的財務費用下，每月只還最低還款額 5% ，如每月繼續只還最低還款額而再沒有任何新的信用卡簽賬，你便需要八年才能清還所有信用卡債務。 除了要還基本的 $10,000 外，財務費用 $6289.5 ，即多付了額外的 62.9%。 除此之外，亦會收取現金透支手續費 約透支額３ 、逾期費用 約最低付款額５ 等。
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