Open the experience of legal credit. that is easier to access than ever
Ready-to-use cash card, choose CardX SPEEDY CASH
Maximum limit of 1.5 million baht* apply today, pay 0% installments for the first 3 billing cycles* 1 Jul. 23-30 Sep. 23
Business investment lump sum, choose CardX SPEEDY LOAN
Credit line up to 5 million baht* Choose a maximum installment period of 72 months.
Any occupation can apply*
Easy to apply through the app 24 hours a day.
• Use less paperwork. You can upload files through the app. no need to go to the branch
•Online services and promotions such as E-Statement, check balance, pay bills, split payments, change credit limit to cash.
For CardX and SCB credit card customers, the same credit card can be used to pay for goods and services as usual. By using the service through the SCB EASY app as before.
CardX Contact Center Tel. 1468
•LINE Official Account:@CardXThailand
Website www.cardx.co.th
•Facebook:CardX Thailand
Card X Co., Ltd. 9 Ratchadaphisek Road, Chatuchak, Chatuchak, Bangkok 10900
Interest rate and repayment CardX SPEEDY CASH
The maximum credit limit is 5 times your monthly income and not more than 1.5 million baht.
Pay a minimum of 3% of the billed amount. but not less than 100 baht. In the event that the amount of debt and interest is less than 100 baht, the actual amount will be charged plus the amount paid in installments for goods and services or full payment on the amount charged.
Installment payment for goods and services 0% up to 36 months with participating merchants.
Normal interest rate, up to 25% per annum
Think of a discounted interest rate. Reduce interest (Effective Rate) or fixed interest rate (Flat Rate).
Interest rates are calculated on a daily basis according to the calendar year. However, this does not exceed the interest rate prescribed by the Bank of Thailand.
Example of interest calculation CardX SPEEDY CASH
The date of the transaction, the 20th day of the 9th month, in the amount of 10,000 baht
•Account summary on the 25th of the 9th month
Interest rate 22% per year
Interest is calculated from the transaction date – account summary date = 6 days.
Interest (10,000x22%x6)/365=36.16 baht
In case of payment on schedule (within the 10th day of the 10th month)
Debt balance on the 25th day of the 9th month
Principal 10,000.00 baht
Interest 36.16 baht
Total debt balance Day 25 month 9 10,036.16 baht
Minimum payment amount
3%(total debt amount – amount of debt paid in excess of credit line – outstanding balance)
3%x(10,036.16-0-0)=301.06 baht
+Amount of debt paid over the limit+Amount outstanding=0 baht
Total minimum payment amount = 301.06 baht
If payment is not made within the 10th day of the 10th month and there is no additional withdrawal
Default interest rate = 22% + default interest 3% = 25%
Interest is calculated from the closing date last month. Up to this month's account summary date = 30 days
Debt balance date 25 month 10
Principal 10,000.00 baht
Current interest (10,000x25%x30)/365=205.48 baht
Interest for the last installment = 36.16 baht
Total debt balance 25th month 10=10,241.64 baht
Minimum payment amount
3%(total debt amount – amount of debt paid in excess of credit limit – outstanding balance)
3%x(10,241.64-0-301.08)=298.22 baht
+ Spending amount that exceeds the limit + Outstanding balance = 301.08 baht
Total minimum payment amount = 599.30 baht
Interest rate and repayment CardX SPEEDY LOAN
The maximum credit limit is 5 times your monthly income and not more than 5 million baht.
Normal interest rate not more than 25% per annum
Installment period: minimum 12 months and maximum not more than 72 months
Calculate the interest rate, reduce the beginning, reduce the interest (Effective Rate).
Interest rates are calculated on a daily basis according to the calendar year. However, this does not exceed the interest rate prescribed by the Bank of Thailand.
Example of interest calculation CardX SPEEDY LOAN
Approval date, 16th day, 3rd month, amount 100,000 baht
Pay installments on the 16th of every month.
Payment in 12 installments, 9,270 baht per installment
Interest rate received by customers is 20% per annum.
• Interest is calculated according to the number of days of each period. starting from the date of the previous installment payment until the date of payment (Only for the first payment period) except for the interest charge for the first 5 days from the date of loan approval)
Interest (100,000x20%x31)/365=1,698.63 baht
In case of payment on time
Pay in installments of 9,270 baht on the 16th day of the 4th month (pay on the 16th day of the 4th month)
Principal 7,571.37 baht
+ interest 1,698.63 baht
Principal balance 100,000–7,571.37=92,428.63 baht
In case of early payment
Pay 9,270 baht per installment on the 16th day of the 4th month (pay on the 14th day of the 4th month)
Principal 7,680.96 baht
+ interest 1,589.04 baht
Principal balance 100,000–7,680.96=92,319.04 baht
In case of payment after the due date
Pay in installments of 9,270 baht on the 16th day of the 4th month (payable on the 18th day of the 4th month)
Principal 7,571.37 baht
+ interest 1,698.63 baht
Principal balance 100,000–7,571.37=92,428.63 baht
Interest overdue 2 days (will be calculated in the next billing cycle) 109.58 baht
*Conditions are as specified by the company.
Ready-to-use cash card, choose CardX SPEEDY CASH
Maximum limit of 1.5 million baht* apply today, pay 0% installments for the first 3 billing cycles* 1 Jul. 23-30 Sep. 23
Business investment lump sum, choose CardX SPEEDY LOAN
Credit line up to 5 million baht* Choose a maximum installment period of 72 months.
Any occupation can apply*
Easy to apply through the app 24 hours a day.
• Use less paperwork. You can upload files through the app. no need to go to the branch
•Online services and promotions such as E-Statement, check balance, pay bills, split payments, change credit limit to cash.
For CardX and SCB credit card customers, the same credit card can be used to pay for goods and services as usual. By using the service through the SCB EASY app as before.
CardX Contact Center Tel. 1468
•LINE Official Account:@CardXThailand
Website www.cardx.co.th
•Facebook:CardX Thailand
Card X Co., Ltd. 9 Ratchadaphisek Road, Chatuchak, Chatuchak, Bangkok 10900
Interest rate and repayment CardX SPEEDY CASH
The maximum credit limit is 5 times your monthly income and not more than 1.5 million baht.
Pay a minimum of 3% of the billed amount. but not less than 100 baht. In the event that the amount of debt and interest is less than 100 baht, the actual amount will be charged plus the amount paid in installments for goods and services or full payment on the amount charged.
Installment payment for goods and services 0% up to 36 months with participating merchants.
Normal interest rate, up to 25% per annum
Think of a discounted interest rate. Reduce interest (Effective Rate) or fixed interest rate (Flat Rate).
Interest rates are calculated on a daily basis according to the calendar year. However, this does not exceed the interest rate prescribed by the Bank of Thailand.
Example of interest calculation CardX SPEEDY CASH
The date of the transaction, the 20th day of the 9th month, in the amount of 10,000 baht
•Account summary on the 25th of the 9th month
Interest rate 22% per year
Interest is calculated from the transaction date – account summary date = 6 days.
Interest (10,000x22%x6)/365=36.16 baht
In case of payment on schedule (within the 10th day of the 10th month)
Debt balance on the 25th day of the 9th month
Principal 10,000.00 baht
Interest 36.16 baht
Total debt balance Day 25 month 9 10,036.16 baht
Minimum payment amount
3%(total debt amount – amount of debt paid in excess of credit line – outstanding balance)
3%x(10,036.16-0-0)=301.06 baht
+Amount of debt paid over the limit+Amount outstanding=0 baht
Total minimum payment amount = 301.06 baht
If payment is not made within the 10th day of the 10th month and there is no additional withdrawal
Default interest rate = 22% + default interest 3% = 25%
Interest is calculated from the closing date last month. Up to this month's account summary date = 30 days
Debt balance date 25 month 10
Principal 10,000.00 baht
Current interest (10,000x25%x30)/365=205.48 baht
Interest for the last installment = 36.16 baht
Total debt balance 25th month 10=10,241.64 baht
Minimum payment amount
3%(total debt amount – amount of debt paid in excess of credit limit – outstanding balance)
3%x(10,241.64-0-301.08)=298.22 baht
+ Spending amount that exceeds the limit + Outstanding balance = 301.08 baht
Total minimum payment amount = 599.30 baht
Interest rate and repayment CardX SPEEDY LOAN
The maximum credit limit is 5 times your monthly income and not more than 5 million baht.
Normal interest rate not more than 25% per annum
Installment period: minimum 12 months and maximum not more than 72 months
Calculate the interest rate, reduce the beginning, reduce the interest (Effective Rate).
Interest rates are calculated on a daily basis according to the calendar year. However, this does not exceed the interest rate prescribed by the Bank of Thailand.
Example of interest calculation CardX SPEEDY LOAN
Approval date, 16th day, 3rd month, amount 100,000 baht
Pay installments on the 16th of every month.
Payment in 12 installments, 9,270 baht per installment
Interest rate received by customers is 20% per annum.
• Interest is calculated according to the number of days of each period. starting from the date of the previous installment payment until the date of payment (Only for the first payment period) except for the interest charge for the first 5 days from the date of loan approval)
Interest (100,000x20%x31)/365=1,698.63 baht
In case of payment on time
Pay in installments of 9,270 baht on the 16th day of the 4th month (pay on the 16th day of the 4th month)
Principal 7,571.37 baht
+ interest 1,698.63 baht
Principal balance 100,000–7,571.37=92,428.63 baht
In case of early payment
Pay 9,270 baht per installment on the 16th day of the 4th month (pay on the 14th day of the 4th month)
Principal 7,680.96 baht
+ interest 1,589.04 baht
Principal balance 100,000–7,680.96=92,319.04 baht
In case of payment after the due date
Pay in installments of 9,270 baht on the 16th day of the 4th month (payable on the 18th day of the 4th month)
Principal 7,571.37 baht
+ interest 1,698.63 baht
Principal balance 100,000–7,571.37=92,428.63 baht
Interest overdue 2 days (will be calculated in the next billing cycle) 109.58 baht
*Conditions are as specified by the company.
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