According to Article 2 of the Articles of Association of Pacific Debit Card of Bank of Communications
Pacific Debit Card is a financial payment tool (including joint name/identity/theme/photo card) issued by Bank of Communications and settled in RMB. It can be used in the business outlets of card issuers, telephone banking, online banking, mobile banking, self-service banking and other electronic channels, business outlets of other financial institutions recognized by card issuers, special merchants with the logo of China UnionPay and self-service banks.
The card has the functions of consumption, cash deposit and withdrawal (IC card only), inquiry, transfer (including card-to-card, card-to-deposit, card-to-agent transfer and various transfer payments, the same below) and settlement.
Article 16 of the extended information? Pacific cardholders shall not refuse to pay the arrears on the grounds of disputes with merchants. The losses caused by the cardholder's transaction failure due to force majeure and/or IT system failure, communication system failure or power system failure, as well as the risks and losses caused by the cardholder's online use of Pacific Card, shall be borne by the cardholder according to law, and the card issuer shall not be liable, unless otherwise agreed by both parties in the supplementary agreement. The foregoing agreement does not exempt the liability caused by the fault of the card issuer.
Article 17? Forged or altered Pacific cards, using forged or invalid Pacific cards or fraudulently using other people's Pacific cards to defraud property, the card issuer shall promptly deal with them and hand them over to judicial organs for handling if necessary; If the cardholder violates the relevant provisions of the Articles of Association and causes losses to the card issuer, the card issuer has the right to apply for legal protection and investigate the legal responsibilities of the cardholder or related parties according to law.
Article 18? Cardholders shall abide by the Articles of Association and the collection contract. If the cardholder violates the articles of association and the relevant provisions of the card collection contract, the card issuer has the right to cancel the cardholder's qualification for using the card, and may authorize its subordinate institutions and special merchants to withdraw its Pacific card.
Bank of Communications-Bank of Communications Pacific Debit Card Charter