The correct and standardized use of Bank of China credit cards requires regulations in terms of card opening, use, repayment and other aspects.

1. Card opening guide

1. Card activation

The card must be activated before normal use. After the user receives the Bank of China credit card letter, Whether it is the main card or the supplementary card, the card must be activated according to the information prompts in the card letter. The activation method is as follows:

(1) Counter activation

If the card letter received prompts the user to activate it at the Bank of China outlet in the province or city he selected when applying, he/she needs to bring the application with him. Please use the original ID card and the credit card attached to the card letter, go to the Bank of China branch selected when applying for activation, and set a password with the help of the counter staff.

(2) Self-service activation

If the user receives a card letter prompting the user to use self-service channels such as online banking, mobile banking, credit card customer service hotline, "Colorful Life" APP, WeChat, etc. Activation, you can choose any channel to activate the card by yourself. After the new card is successfully activated, the user can call the Bank of China credit card customer service hotline to set the transaction password.

2. Set password

(1) Query password by phone

If you apply for our credit card for the first time, please use the mobile phone number reserved on the credit card to call 40066-95566 Customer service hotline (Platinum card customers call 40066-95569), set a 6-digit telephone inquiry password, which is used to log in to the customer service hotline voice system and handle other services.

(2) Transaction password

Users can use the mobile phone number reserved by their credit card to call the 40066-95566 customer service hotline (Platinum card customers call 40066-95569), and follow the voice prompts or customer service personnel to guide the setting Transaction password. The transaction password is used for inquiry or cash withdrawal at self-service equipment such as ATMs, or for verification when merchants swipe cards for consumption.

If the user checks "Yes" in the "Do I need a password when swiping the card for consumption" when applying for a credit card, be sure to set a transaction password.

Warm reminder for overseas card swiping: Some overseas merchants do not require password verification, but some merchants require mandatory password verification. Users must complete the transaction password setting before going abroad. If you encounter a self-service terminal or merchant that requires a 4-digit password, please enter the first 4 digits of the transaction password.

2. Instructions for use

1. Consumption by credit card

(1) In principle, you do not need to show your ID card for consumption by credit card. If the user chooses to confirm the amount of card consumption only by signature, and the merchant insists on using a password or ID card, please enter 6 digits as desired;

(2) When the cashier swipes the card or stamps the purchase form, It should be within the sight of the cardholder to prevent the credit card from being misused or stolen;

(3) When signing, check whether the amount is correct, and do not sign for a purchase without filling in the consumption amount or with an incorrect amount. Sign on the form;

(4) After completing the payment, confirm whether the credit card returned by the cashier is indeed the cardholder's own card, and keep the stub copy of the purchase form properly for checking with the bill and for processing Provide the basis for possible disputes;

(5) When the purchase form needs to be filled in again due to errors, the cashier must be asked to destroy all purchase forms in person. If you have obtained transaction authorization through online transactions and printed out the purchase order, you should ask the cashier to cancel the transaction by swiping your card immediately, and ask for and retain the printed voucher or return certificate given by the merchant to avoid future disputes.

2. Cash advance

In China, users can withdraw RMB with the withdrawal password at Bank of China branches, ATMs or other commercial bank ATMs with the UnionPay logo. cash.

Overseas, users can withdraw local legal currency and conduct cash advance transactions at any ATM around the world with the PLUS, CIRRUS or UnionPay logo. If the device only supports four-digit passwords, enter the first four digits of the six-digit transaction password.

Domestic cash advance per card per day shall not exceed RMB 2,000, overseas cash advance per card shall not exceed USD 1,000 or its equivalent in foreign currency per day, and each card per month shall not exceed USD 5,000 or its equivalent. Foreign currency, not exceeding US$10,000 or its equivalent in foreign currency per card within six months.

3. Installment payment

When users make a large-amount purchase at one time, they can divide the total amount of purchased goods or services into several installments (months) on average. Repay the amount on time every month (period).

3. Repayment Guide

1. Automatic repayment

(1) When filling in the application form, the user can enter the "Repayment Information" column , select "Automatic repayment", and provide the card number or account number of the Bank of China debit card, Great Wall credit card, current savings account or current savings account in your name. After the credit card is successfully opened, if there is no abnormality in the account, automatic repayment can be completed before the due payment date. Set it once and it will be done once and for all.

(2) If you did not select "automatic repayment" when applying for a credit card, after the credit card is successfully opened, you can call the Bank of China's 24-hour credit card customer service hotline 40066-95566 or log in to the Bank of China online banking or "Bank of China Mobile Banking" "Mobile banking, activate automatic repayment service.

If you use a Bank of China debit card, Great Wall credit card, current savings account, etc. as a transfer-out account for automatic repayment, you need to ensure that the transfer-out account is normal and has sufficient deposit balance. If automatic repayment fails due to insufficient balance in the transferred account, account abnormalities, etc., repayment must be made through active repayment channels before the due payment date to avoid overdraft interest, late payment fees and other fees.

2. Active repayment

(1) Online bank transfer: If the user has opened the financial version of online banking services, he can log in to online banking and use Bank of China debit card or Great Wall credit card , current savings account or other accounts for transfer repayment.

If you do not hold the above account with Bank of China, you can use the "inter-bank payment" service of online banking to use other banks' debit cards to repay Bank of China credit cards, or use other banks' online banking to repay Bank of China credit cards. Credit card transfer repayment.

(2) Mobile banking transfer: Activate "BOC Mobile Banking" mobile banking to easily complete transfers and repayments anytime and anywhere.

(3) Bank self-service terminal repayment: You can use a Bank of China debit card or Great Wall credit card to pay at a 24-hour deposit and withdrawal machine (CDM) or automatic teller machine (ATM) and other self-service equipment. Repay by credit card transfer; you can also use self-service cash repayment through the integrated deposit and withdrawal machine (CDM).

(4) Telephone banking transfer: If the cardholder is a contracted customer of Bank of China Telephone Banking, he can also call the Bank of China customer service hotline 95566 and use the Bank of China debit card, Great Wall credit card, current deposit card, etc. Transfer repayment from your bank account or current savings account to your credit card.

(5) Over-the-counter repayment: Users can make cash repayments at the counters of Bank of China outlets or make repayments to credit cards through their Bank of China debit cards, Great Wall credit cards, current savings accounts, etc. Transfer repayment from your account; you can also make inter-bank repayment through the counters of other banks. Please consult the transferring bank for the specific charging standards for inter-bank counter repayments.

Bank of China—Service Guide