CardX

Features CardX

Experience legal credit Easier to access than ever Cash card ready to use, choose CardX SPEEDY CASHMaximum credit limit 1.5 million baht* Lump sum for business investment, choose CardX SPEEDY LOANMaximum credit limit 1 million baht* Choose installments up to 72 months* Special with online services Do your own transactions in one app.Change your limit to cash Transfer into account* with Dee JangWithdraw money without using a card through SCB ATMs.Check card balance conveniently through e-Statement•Choose your own way to pay your bill.• Set a new PIN code for added security.For CardX and SCB credit card customers, you can use the same credit card using the SCB EASY app as usual.•CardX Contact Center Tel.1468•LINE Official Account:@CardXThailand•Website www.cardx.co.th•Facebook:CardX ThailandCardInterest rates and repayments CardX SPEEDY CASH•The maximum loan limit is not more than 5 times your monthly income and not more than 1.5 million baht.•Minimum payment of 3% of the billed amount but not less than 100 baht.
In the case that the debt and interest are less than 100 baht, the amount will be charged as actually incurred plus the amount paid in installments for goods and services.
or pay in full according to the total amount collected•Pay in installments for products and services at 0% for up to 36 months with participating stores.•Usual interest rate up to 25% per annum.•The interest rate is calculated at a reduced principal and interest rate (Effective Rate) or a fixed interest rate (Flat Rate).Interest rates are calculated daily according to the calendar year.
This does not exceed the interest rate set by the Bank of Thailand.Example of interest calculation on CardX SPEEDY CASH•The date of the transaction, the 20th day of the 9th month, is the amount of 10,000 baht.•Summary of account balance on the 25th of the 9th month.Interest rate 22% per yearInterest is calculated from the date the transaction occurred – the date the account balance was finalized = 6 days.•Interest (10,000x22%x6)/365=36.16 bahtIn the case of payment on schedule (within the 10th day of the 10th month)Debt balance on the 25th of month 9Principal 10,000.00 bahtInterest 36.16 bahtTotal debt on the 25th of month 9 = 10,036.16 bahtMinimum payment amount3% (total debt – outstanding debt over the limit – outstanding balance)3%x(10,036.16-0-0)=301.06 baht+ total debt paid in excess of the limit + outstanding balance = 0 bahtTotal minimum payment = 301.06 bahtIn the case of not paying by the 10th day of the 10th month and there is no additional withdrawal.Default interest rate = 22% + Default interest rate 3% = 25%Interest is calculated from the closing date of the last month.
Until this months account balance summary date = 30 days Debt balance on the 25th of month 10Principal 10,000.00 bahtCurrent period interest (10,000x25%x30)/365=205.48 bahtInterest for last period = 36.16 bahtTotal debt on the 25th of month 10 = 10,241.64 bahtMinimum payment amount3% (Total debt amount – Debt payment amount in excess of the limit – Outstanding amount)3%x(10,241.64-0-301.08)=298.22 baht+ Spending amount exceeding the limit + outstanding balance = 301.08 bahtTotal minimum payment = 599.30 bahtInterest rates and repayments CardX SPEEDY LOAN• Maximum credit limit is not more than 5 times your monthly income and not more than 1 million baht.•The normal interest rate does not exceed 25% per year.•Minimum repayment period is 12 months and maximum is not more than 72 months.Calculate interest rate by reducing principal and interest (Effective Rate)Interest rates are calculated daily according to the calendar year.
This does not exceed the interest rate set by the Bank of Thailand.Example of interest calculation on CardX SPEEDY LOAN•Approval date, 16th day of the 3rd month, amount 100,000 baht.•Pay installments on the 16th of every month.•Pay in 12 installments, 9,270 baht per installment.The interest rate that customers receive is 20% per year.•Interest is calculated according to the number of days of each period.
From the date of payment of the previous installment until the date of payment (only the first payment installment Except interest is calculated for the first 5 days from the date of loan approval)•Interest (100,000x20%x31)/365=1,698.63 bahtIn the case of paying on timePayment of 9,270 baht per installment on the 16th day of the 4th month (payment on the 16th day of the 4th month)Principal amount 7,571.37 baht+interest 1,698.63 bahtremaining principal balance 100,000–7,571.37=92,428.63 bahtIn the case of payment before the deadlinePay in installments of 9,270 baht on the 16th of the 4th month (pay on the 14th of the 4th month)Principal amount 7,680.96 baht+interest 1,589.04 bahtRemaining principal balance 100,000–7,680.96=92,319.04 bahtIn the case of payment after the due datePay in installments of 9,270 baht on the 16th of the 4th month (pay on the 18th of the 4th month)Principal amount 7,571.37 baht+interest 1,698.63 bahtRemaining principal balance 100,000–7,571.37=92,428.63 bahtInterest overdue for 2 days (will be calculated in the next billing cycle) 109.58 bahtBorrow as much as you need and can repay the money.
(Interest rate 16.99%-25% per year)*Conditions are as specified by the company.