1. After receiving the credit card of Guangzhou Bank, the cardholder shall immediately sign the same signature as the application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall bear the losses arising therefrom. The cardholder must keep the password properly, and all transactions with the password are regarded as the cardholder's own behavior. Electronic information records generated by various settlement transactions based on passwords and other electronic information are limited vouchers for transactions. The cardholder shall bear the risks and losses caused by improper password keeping. If there is no password transaction, the transaction voucher signed by the cardholder is the valid voucher for the transaction. For transactions that are unnecessary or impossible to sign due to trading habits or the special nature of transactions, such as contactless card transactions, online shopping, online transactions, etc. , the cardholder shall not refuse to pay on the grounds that there is no signature on the transaction document or the transaction document.

2. If the content (including but not limited to the work unit, contact information and address, ID number, etc.). If the information filled in the application form by the cardholder changes, the cardholder shall immediately notify Guangzhou Bank to change the information in writing or in other forms recognized by both parties, otherwise, the consequences or losses arising therefrom shall be borne by the cardholder. The cardholder agrees that Guangzhou Bank can send information related to Guangzhou Bank's credit card to him by SMS or email, and Guangzhou Bank reserves the right to terminate the card issuance (unless otherwise agreed).

3. Guangzhou Bank accumulates points for cardholder transactions. Bank of Guangzhou reserves the right to modify the points accumulation rules, the retention time of points details and the points settlement without the cardholder's prior consent.

4. If the credit card is lost, stolen, robbed, cheated or occupied by someone other than the cardholder, you should immediately call Guangzhou Bank's 7×24-hour customer service telephone number 020-96699 or report the loss at the business outlets of Guangzhou Bank, and the loss will take effect immediately. Cardholders are not responsible for the transactions on their credit cards after the loss report takes effect, except for the following circumstances:

(1) The cardholder commits fraud or other dishonest acts;

(2) The cardholder refuses the bank investigation;

(3) The cardholder fails to sign the credit card;

(4) The cardholder informs the third party of the password or other methods for identifying the cardholder.