Reminder: If the cardholder’s credit card is misappropriated by others through the sales terminal (POS), ATM teller machine, online payment, or telephone payment due to the following reasons, the cardholder will not enjoy the following benefits: A type of credit card fraud protection insurance provided by an insurance company. 1. The part of the loss that has been or should be compensated for using third-party payment channels; 2. The forged or altered credit card is stolen through the insured credit card account; 3. The insured does not sign on the back of the card; 4. By Misappropriation at bank counters and communication networks; 5. The insured knew or should have known that the card was lost or stolen and failed to report the loss immediately; 6. The insured's credit card was misappropriated by family members, household employees, or temporary residents; 7. Any assistance, consent or cooperation from the cardholder was obtained when the insured credit card and its related information (such as transaction password, verification code, etc.) were stolen by others; 8. Intentional or gross negligence of the policy holder or the insured; 9 . Theft, robbery or robbery caused by fire, explosion, earthquake, volcanic eruption, tsunami, flood, heavy rain, typhoon, tornado, mudslide, cliff avalanche, sudden landslide; 10. The insured entrusts the credit card , rent, lend or otherwise give it to a third party for use; 11. War, hostilities, military actions, armed conflicts, strikes, riots, riots, terrorist activities; 12. Administrative or judicial acts; 13. Credit card or application Credit card information may be lost or stolen while in the custody of the card issuer, manufacturer, courier or postal service.