Credit Card Cash Advance in installments

Application within cash advance limit of credit card

Disbursement the same day at the earliest

Available in 6, 12, 24, or 30 installments to lift the burden of repayments

Installment interest rate range from7% to 15% per annum

Based on the approved amount of NT$100,000, APR is 8.5% and 6 installments

※ This example is for reference only. The actual interest for each installment will be calculated on a daily basis according to the actual number of days in each installment, as shown on each monthly bill.

Notices

• The minimum application amount is $30,000
• The "Cash Advance Installment" is a credit card cash advance transaction without bonus points or cash rebate. The approved amount will be applied to your credit card limit and reported to the Joint Credit Information Center on a monthly basis；Once the application is approved, it is effective and no request to refund or reduce of related fees for any reason.
• The principal, interest and other fees incurred in each installment will be included in the minimum amount due on the credit card statement；If the minimum payment is not paid in full or if the payment is overdue, the late interest will be charged according to the credit card rules (interest will be charged according to your applicable revolving interest rate)；If there is an excess of the total billable amount, the excess will be included in the minimum payment.
• If the applicant's designated remittance account is not the E.SUN Bank's account, the remittance handling fees of $30 per transaction shall be deducted from the approved amount; if the Bank's remittance is refunded due to an error in the account information provided by the cardholder, the cardholder shall be take responsible for the above remittance handling fees and the Bank shall not be liable for any delay.
• The applicant may settle the entire approved principal amount of the service in advance (partial settlement is not accepted), and E.SUN Bank may charge an early settlement default fee in accordance with the following terms and conditions. Prepayment default fee: NT$300 for each unbilled period exceeding 1/2 of the installment period of the case; NT$150 for each unbilled period equal to or not exceeding 1/2 of the installment period of the case. If you apply for an online cash advance installment certificate, E.SUN Bank may charge NT$200 per installment.
  Example:
  Interest = Principal amount of cash advance installment × days of calculation (from the date of funding to the date of settlement) × contractual installment rate per annum.
  For example: Take the installment rate of 7% p.a. as an example, your statement date is on the 5th of each month. You apply for a cash advance installment of NT$100,000 on 3/6 and the fund also transferred on 3/6, the Bank will credit the installment 30 days after the date of funding, what is the amount of payment required if you call us on 5/4 to settle the installment? NT$100,000 × (3/6-5/4,total 60 days) × (7%/365)+NT$300 (Prepayment default fee)=NT$1,451.
  The annual interest rate of the Bank's installment is 7%~15%
• In the event of a mandatory suspension for any reason, the outstanding amount is considered fully due.
• The Bank reserves the rights to apply for approval and change/terminate the above regulations at any time and to access your joint credit information; other matters not covered by the terms and conditions of the Bank are subject to the Bank's credit card agreement.
• The annual percentage rate disclosed in this project is calculated in accordance with the standard calculation example for the record of the competent authority. The example of calculation: the cash advance amount is NT$100,000, 12 installments period, interest rate is 7% ~ 15%, and no handling fees, the annual percentage rate is 7% ~ 15%. The actual terms and conditions are based on the products provided by E.SUN Bank. The actual annual percentage rate for each customer depending on the individual product and personal credit status. The annual percentage of total fee is equal to the annual interest rate of the installment, and the base date for calculating the annual percentage of total fee in September 1, 2015.