大學信用卡實習Campus credit lab
刷刷學期Swipe Semester
六個月，兩張學生卡。用得對，回贈會落袋，里數可以換機票。用得差，分期同最低還款會把你輸光。Six months, two student cards. Use them well and cashback settles, miles can buy a flight. Use them badly and installments plus minimum payments wipe you out.
全額還Pay in full
免息期在。回贈同里數先算你的。只還最低，獎賞取消，餘額開始計息。The grace period holds. Cashback and miles become yours. Pay only the minimum and rewards vanish, then the balance starts accruing interest.
揀對卡Pick the right card
超市交通用青檸 5%。餐飲用雲雀先加速。為小獎賞去買貴嘢，係倒貼。Groceries and transit: Lime at 5%. Dining: Lark is what accelerates. Buying something expensive for a tiny reward is paying to lose.
分期Installments
每月少少好似應付得來。總額更貴，額度被鎖，新鮮感會過。A little each month feels manageable. The total is higher, the limit stays locked, and the shine wears off.
月息 2.5% ，約實際年利率 34.5%。遊戲簡化咗計息同獎賞，真實合約以銀行為準。Monthly interest 2.5%, about 34.5% APR. Interest and rewards are simplified. A real contract follows the bank.