1. The cardholder should sign the same signature as the application form in the signature column on the back of the credit card.

2. Cardholders can spend money with their cards at overseas and domestic merchants, or withdraw cash at cash withdrawal outlets or ATMs.

3. For transactions conducted by using passwords, the card issuer shall regard the transactions as the cardholder's own.

4. Cardholders can only use 7% of the card amount every month, and at least 3% of the card amount should be reserved.

5. If the cardholder still fails to pay back the money after the repayment grace period, he will not make a credit inquiry in seconds. Remember to pay off the debt before the next bill date, or at least pay the minimum repayment, so as to keep the credit inquiry innocent.