Is the credit card (debit card) in hand safe for signature transaction or payment by password? The articles of association of credit cards (debit cards) of some banks stipulate that all transactions run with passwords are regarded as the cardholder's own actions, and all kinds of transactions such as credit card consumption, deposit and withdrawal, transfer settlement, online payment, mobile phone payment and telephone payment handled for the cardholder according to passwords and other electronic information records are valid credentials for the transaction.
if a cardholder applies for and opens a credit card service exceeding the credit limit, and uses a credit card (debit card) exceeding the account credit limit, if the relevant regulatory requirements are met, in addition to paying overdraft interest according to the relevant interest-bearing method, a monthly 5% overrun fee will be paid for the part exceeding the account credit limit. In other words, once the credit limit is temporarily increased, you should ask the bank to adjust it back to the original limit in time.
if one day the credit card (debit card) that you have used for several years suddenly fails to be used, don't be surprised at all-this credit card (debit card) may have expired. Some credit card (debit card) issuing banks stipulate that the credit card (debit card) shall be valid for no more than 5 years at the longest, and will automatically expire upon expiration. However, the creditor-debtor relationship arising from the cardholder's use of the credit card (debit card) shall not be terminated due to the invalidation of the credit card (debit card). The card issuer will have the right to decide whether to replace the cardholder with a new card according to the relevant regulations and the cardholder's historical card use record.
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