As a smart consumer, you should be aware of your financial health before applying for personal loans, mortgages or credit cards. A good credit score could help you get lower interest rates or higher loan amounts. With the Credit Check app supported by Citi, you get a free overview of your credit score. Credit Check also lets you see all your credit accounts at a glance. By helping you keep track of your financial health, Credit Check leads to better offers on credit-related products.
Credit Check Key Features
See your credit score from A to J to know more about your credit health.
View all your credit accounts across different financial institutions for a complete, up-to-date picture of your credit history.
In-app balance transfer simulation gives you an idea of possible financial options that can help you save on interest.
Never miss a due date! Sync all payment due dates to the in-app calendar and set up reminder alerts.
As a smart consumer, you should be aware of your financial health before applying for personal loans, mortgages or credit cards. A good credit score could help you get lower interest rates or higher loan amounts. With the Credit Check app supported by Citi, you get a free overview of your credit score. Credit Check also lets you see all your credit accounts at a glance. By helping you keep track of your financial health, Credit Check leads to better offers on credit-related products.
Credit Check Key Features
See your credit score from A to J to know more about your credit health.
View all your credit accounts across different financial institutions for a complete, up-to-date picture of your credit history.
In-app balance transfer simulation gives you an idea of possible financial options that can help you save on interest.
Never miss a due date! Sync all payment due dates to the in-app calendar and set up reminder alerts.
1. | Credit Check App is designed for Hong Kong residents’ use only. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
2. | Credit Check App is provided by Mtel Limited and may carry risks including, without limitation, any loss or damage caused to your data, mobile phone or mobile phone setting or equipment, any interception, interruption or corruption of instruction / transmission or unauthorized use of password due to auto-password-saving feature of certain mobile phone. Mtel Limited cannot be held responsible for any of such risks. If you accept these risks and all consequences arising thereof, we are pleased to provide the Credit Check App service to you. You are recommended to set up a passcode lock on your mobile phone to protect your data. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
3. | Mtel Limited have the right to limit the number of times for credit data downloaded from TransUnion Limited (“TransUnion”) for both new enquiry and refresh of the credit data. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
4. | If the user failed the identity check, he/she has to contact TransUnion to unlock their account. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
5. | The data displayed in Credit Check app contains a number of assumptions. This includes:
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6. | The application is not an offer of credit. Mtel Limited does not represent any financial institution to provide loan facilities and is not in a position to be an intermediary for loan referrals. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
7. | Annualized Percentage Rate (APR) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The monthly installment amount is rounded up to the nearest integer. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
8. | For the function of payment reminder, Mtel Limited will not be responsible or liable if the reminder is not functioning properly or the date input is not equivalent to the actual payment terms of the credit facility(ies). | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
9. | The credit data displayed in this Credit Check App are not the real time data from the credit providers, and the information is for reference only, the actual repayment amount, payment due date should reference to the communication/ statement sent from the credit provider. Mtel Limited are not responsible / liable to any interest, fees and penalty if there's any discrepancy of the data display against the real time/ actual payment terms required by the credit provider. The information or data may be subject to update and changes. Mtel Limited do not undertake any liability or responsibility for the details, accuracy or completeness of any content or information provided through the application. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
10. | All data from TransUnion will be shown in English only. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
11. | Mtel Limited may assign or transfer any of the company's interest, rights or obligations under the Credit Check App without prior notice to the user. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
12. | In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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