手機應用程式 MOBILE APP
信貸記錄在當今社會越來越重要,其反映你當前的財政狀況,亦會影響你今後能申請的貸款額度和利息率。
Credit Check是一個新開發的應用程式,為你提供一站式服務。下載Credit Check,你將會獲得免費的信貸資料,一覽所有信用卡及貸款戶口情況,更可以同步還款日期到日曆並設置提醒。這些功能都可以幫你輕鬆便利管理財務。免費,方便,智能,Credit Check是你的最佳選擇!
Credit history has become increasingly important nowadays, which reflects your financial status and also determines what loans you will qualify for and the interest rate you will pay in the future.
Credit Check is a newly-launched app which provides one-stop full service for you. By downloading this app, you can get free credit data, get an overview of all your credit card and loan accounts, sync payment due dates to the in-app calendar and set up reminders, all of which lead to easy and convenient financial management and planning. Free, easy and smart, Credit Check app is definitely your best choice.
下載平台 PLATFORM
iOS & Android
四大功能 MAJOR FEATURES

  • 免費信貸資料 Free credit data
    免費查看信貸評級,進一步瞭解自己的財務狀況
    Check your credit score for free to see where you stand and know better about your financial position

  • 一站式戶口概覽 Account overview
    查閲各銀行及財務機構完整的貸款和信用卡結餘資料
    See your credit accounts across different financial institutions to get a complete and up-to-date picture of your credit history

  • 理財方案 Financial solutions
    程式內設結餘轉戶自動計算功能,讓你瞭解更多理財選擇,教你節省利息支出
    Get an idea of the possible financial options to help you save interests with our in-app balance transfer simulation

  • 日曆提醒 Calendar and reminder
    將戶口資料同步至日曆,設定提醒,不再忘記還款日
    Sync all your payment due dates to the in-app calendar, set up reminder alerts and never miss another due date
CREDIT CHECK 開創香港「貸評」年代
DOWNLOAD CREDIT CHECK - CHECK NOW!

三個月內無限次下載你的信貸報告
3 months unlimited download of Credit Data
如欲了解更多關於信貸資料的詳情,請瀏覽環聯網頁
For getting more details about credit data, please visit TU website
相關資訊 MORE INFO
  • Q
    What is TransUnion Credit Score?
    什麽是環聯信貸評分?
    A
    A credit score is a numerical snapshot of your credit report at a particular time. It is used to help companies better understand your financial health. Your credit score is generated by a mathematical formula utilizing the data from your TransUnion credit history.
    信貸評分是一個分數,是在特定時刻對於你的信貸報告的數字化展現。它可以幫助公司更好地了解你的財務健康狀況。你的信貸評分是利用TransUnion信貸記錄裏的有關資料,根據特定數學公式產生。
  • Q
    What type of information is used to generate my credit score?
    我的信貸評分是根據哪些信息產生的?
    A
    Information used may include your payment history, outstanding debt, credit account history, recent enquiries, and public records.
    所用的資料可能包括:付款記錄,剩餘結欠額,信貸戶口記錄,最近查詢以及公衆記錄
  • Q
    What if I cannot receive OTP when registering account or resetting password?
    如果註冊賬戶或者重設密碼時收不到臨時密碼怎麽辦?
    A
    You should check your mailbox spam folder or try to resend OTP.
    你可以檢查郵箱的垃圾箱或者嘗試重寄密碼。
  • Q
    What kind of information will be shown in this app? Does it contain as much information as those from a report that I purchase from TransUnion?
    Credit Check應用程式會顯示哪些信息?這些信息和從環聯購買的信貸報告一樣嗎?
    A
    The app contains credit score and credit line information from the full report, while TransUnion full credit report contains other parts including personal information, payment history, open account details, enquiry history etc. In addition, Credit Check also provides financial advice and simulated calculation, which is not included in the report. In terms of accounts shown in Credit Check, it will only display the following information:
       • Account types:
       - Secured HP/ Leasing Accounts, Installment Accounts, Charge Card and Credit Cards & Revolving Loan will be shown. Mortgage, Corporate Cards and Others are excluded.
       • Account Status
       - Active, Default amount settled, inactive, past due and legal action accounts will be shown. Write-off, Bankruptcy Write-off and Closed accounts are excluded.
       • Account Associate Code
       - Individual account will be shown, company and accounts that the user has guaranteed but are not opened under the user’s name will be excluded.
    該應用程式包括信貸報告裏關於信貸評級和信貸賬戶的有關信息,然而完整的環聯信貸報告包含更多其它資料包括個人信息,還款記錄,開立賬戶詳細信息,查詢記錄等等。除此之外,Credit Check應用程式還提供環聯信貸報告不具備的財務建議及模擬計算功能。Credit Check應用程式會顯示的賬戶類型如下:
       • 戶口類型
       - Secured HP/ Leasing Accounts,分期戶口,Charge Card,信用卡和循環貸款將會顯示。按揭,公司卡和其他戶口將不會顯示。
       • 戶口狀態
       - 活躍,已付欠款,非活躍,逾期以及進行法律行動的戶口將會顯示。銷帳,破產銷帳以及已關閉的戶口將不會顯示。
       • 帳戶關聯碼
       - 個人戶口將會顯示。公司戶口,以及由該用戶擔保但並不開立在其名下的戶口將不會顯示。
  • Q
    How often can I refresh my credit data? Is it free?
    我可以更新信貸資料的頻率是多少?是免費的嗎?
    A
    At the moment, you have unlimited free download and refresh. However, this offer is subject to changes and we will notify accordingly.
    現階段你可以免費無限次數下載並更新信貸資料。然而此優惠有可能變更,我們會另行通知。
  • Q
    I just paid my installment/used my credit card, why is it not shown in the app?
    我剛剛付了分期還款額/使用了信用卡,爲什麽應用程式沒有顯示?
    A
    TransUnion’s member is responsible for updating consumer records to TransUnion’s database. In general, the bank would update the status automatically. The bank shall submit data for each reporting period not exceeding 31 days but the exact upload date varies. The updated records therefore will be shown on the report around 45 days.
    環聯會員負責將消費者記錄上傳到環聯數據庫。通常,銀行自動更新狀態,在每31日内上交信息,但是每閒銀行具體的上傳日期不同。所以,更新后的資料通常會在45日左右顯示在報告上。
  • Q
    Does using CreditCheck impact my credit score?
    使用Credit Check應用程式會影響我的信貸評分嗎?
    A
    No, it will not impact your credit score.
    不,它不會影響你的信貸評分。
  • Q
    When I find an issue in my credit data and want to amend it, what should I do?
    如果我發現信貸資料出現問題並想修正,該怎麼辦?
    A
    You should contact TransUnion Limited. For more information, please refer to TransUnion website: https://www.transunion.hk/assistance/faq#articleSection2
    你可以聯絡環聯資訊有限公司。具體信息,請參考環聯網站: https://www.transunion.hk/zh/assistance/faq#articleSection2
  • Q
    Is the in-app financial advice a pre-approved offer?
    應用程式裏的財務建議是已獲初步審批的結果嗎?
    A
    Any calculation results or values in the application are for illustration purposes only and may not include all applicable charges. The actual interest saving, if any, and monthly repayment amount may vary. The calculation result is for reference only.
    應用程式中的計算結果與數值僅供參考,可能未包括所有適用的收費。實際節省利息和每月還款額(如有)有可能變動。計算結果僅供參考。
  • Q
    What information will be collected in order to use Credit Check?
    使用Credit Check需要提供哪些信息?
    A
    In order to use the Credit Check App, we will require you to register an account. Upon registration, we will ask you to provide certain personal details. You do not have to provide your personal data to us, but if you do not provide certain personal data, you will not be able to use the Credit Check App, or you will not be able to use certain services. The personal data we collect through registration include: name, email address, telephone number, date of birth, mobile number, HKID number, declaration of monthly income.
    In order to enable you to use the Credit Check App's features and services, you consent to our collection of personal data about you from TransUnion Limited ("TransUnion"), or any other credit reference agency. The data we may collect include:
       i. your credit score and credit report
       ii. information about your current credit cards, loans, bank accounts and other assets and liabilities
       iii. information about your current credit limit
    為使閣下可使用Credit Check應用程式,我們要求閣下登記一個戶口。登記戶口時,我們會要求閣下提供若干個人資料。閣下並非必須向我們提供閣下的個人資料,但如閣下不提供某些個人資料,閣下將不能使用Credit Check應用程式或不能使用某些服務。我們通過戶口登記所收集的個人資料包括:姓名,電郵地址,電話號碼,出生日期,手提電話號碼,香港身份證號碼,每月入息聲明。
    為使閣下可適用Credit Check應用程式的功能和服務,閣下同意我們向環聯有限公司(「環聯」)或任何其他信貸資料機構收集關於閣下的個人資料。我們可能收集的個人資料包括:
       i. 閣下的信貸評分及信貸報告
       ii. 有關閣下現有信用卡、貸款、銀行戶口及其他資產及負債的資料
       iii. 有關閣下現有信貸限額的資料
  • Q
    Who will have access to the collected information?
    誰有權限取得並使用被收集的信息?
    A

    Your personal data will be kept confidential but Mtel Limited intends to provide your personal data to
       • TransUnion (or any other credit reference agency), with whom we may share the following data held by Mtel Limited in order to obtain your credit data: (i) full name; (ii) contact information; (iii) date of birth; (iv) Hong Kong Identity Card Number; (v) Mobile Number and (vi) declared monthly income;

    Mtel Limited 會把其取得有關資料當事人的資料保密處理,但擬將閣下的個人資料提供予
       • 環聯(或任何其他信貸資料機構),為取得閣下的信貸資料,我們可能會與其分享Mtel Limited持有的下列個人資料:(i)完整姓名;(ii)聯絡資料;(iii)出生日期;(iv)香港身份證號碼;(v)手提電話號碼;及(vi)聲明的每月入息;
Privacy Policy relating to the Personal Data (Privacy) Ordinance (the "Ordinance")
關於個人資料 ( 私隱 ) 條例 ( 「私隱條例」 ) 之私隱政策指引
Terms & Conditions
條款與細則