1. Call customer service

2. Who will handle the card for you? You can also ask him

3. Important matters that you need to pay special attention to when checking the card use with Bank official website and APP

1. After receiving the new card, please check the name, expiration date and credit card type on Huaxia Credit Card.

2. Please sign your name in the signature column on the back of Huaxia Credit Card as soon as possible for checking your signature when using the card in the future.

3. Password security

In order to ensure the security of your card, we have set a variety of passwords, including: inquiry password (telephone banking and online banking) and transaction password (cash withdrawal and consumption). There are different ways to set different passwords. Try not to use birthdays, ID numbers, telephone numbers, overlapping numbers (such as "") or consecutive numbers (such as "123456") for transaction passwords to ensure the safety of your personal information and funds.

don't write or save your password in any place where others may see it, such as storing it in your mobile phone or writing it on the back of your bank card.

Make sure that only I know the password, and beware of criminals impersonating bank and public security personnel to defraud the password.

4. Keep

Do not put the magnetic stripe of Huaxia Credit Card near any magnetic objects, and do not scratch it.

To ensure safety, please don't put your Huaxia credit card with your ID card or the password of the credit card. If you find Huaxia Credit Card lost or stolen, please immediately call the 24-hour customer service hotline of Huaxia Bank Credit Card Center to report the loss.

please take good care of your credit card, don't leave it anywhere, and don't lend it to others.

when the bank card expires and a new card is issued, please destroy the magnetic stripe of the old card in time.

please avoid leaving information such as card number and expiration date on the computer used in public places.

5. Consumption

When spending by card, give your Huaxia credit card to the cashier to swipe it for you, and you will be asked to sign for confirmation after the transaction is successful. Before signing, please carefully check the card number and amount on the bill, and sign in the signature column of the bill after confirmation. Note that the signature in the signature column of the bill should be consistent with the signature on the back of Huaxia Credit Card.

to ensure the safety of your Huaxia credit card, please don't keep Huaxia credit card away from your sight when swiping.

please don't sign the blank bill at will.

when the cashier returns your Huaxia credit card to you, please confirm that it is your own Huaxia credit card.

please take good care of the statements, bills, withdrawal receipts and other documents that record your Huaxia credit card account information, or dispose of or destroy them in time.

when entering the password, you should use your body or your other hand to block the operation gesture as much as possible to prevent criminals from peeping.

if your mobile phone, billing address and other information changes, please contact the bank in time to make changes, so that the bank can provide you with services in time. If you have any objection to the content of the transaction message received, please contact our customer center in time.

check your statement regularly. if you find suspicious transactions, please contact our customer service center immediately. Handle your statement properly. Don't throw away statements and other bills at will, but keep them properly or completely destroy them to prevent criminals from picking them up and obtaining your account information.

6. Cash withdrawal

In China, you can withdraw RMB cash at the counter of Huaxia Bank or ATM with UnionPay logo; Overseas, cash in local currency can be withdrawn from ATMs with MasterCard logo or UnionPay logo.

if Huaxia credit card is swallowed at ATM withdrawal, please contact the bank to which the ATM belongs within three working days after the card is swallowed. In case of ATM card swallowing abroad, you can contact the bank to which the ATM belongs before the end of the second working day after card swallowing.

advance cash does not enjoy interest-free period. from the trading day to the actual repayment date, Huaxia bank credit card center will charge interest at the rate of .5 ‰ per day.

cash withdrawal can be divided into cash withdrawal within your credit limit and cash withdrawal of overpayment according to the different charging standards for formalities. Overpayment refers to the self-owned deposit in your credit card account. (Please refer to Huaxia Credit Card Charging Standard in Part III "Serving You" for details about the collection of relevant handling fees).

during ATM operation, please pay attention to whether there are any signs of modification of the card slot; Please don't leave the ATM easily when there is a card swallowing fault. You can call the bank service phone displayed on the ATM screen in the same place or directly call the bank's customer service hotline for help.

during p>ATM operation, avoid being distracted by criminals and switch credit cards.

7. network security payment

know the online merchants you deal with. When shopping on the website you trust, if it is the first transaction, it is recommended to confirm the merchant's fixed telephone number (not the mobile phone number) and mailing address (not just the email address) to verify the authenticity of the merchant.

use a secure website. When making payment on the payment page, notice that the prefix of the webpage address is "https://", and the pattern is displayed on the status bar in the lower right corner of IE browser. These signs indicate that your transaction is protected by encryption measures; If the mark appears on the webpage, it is probably a fake website made by criminals. The cardholder should immediately stop the transaction and contact the issuing bank to protect the security of the card information.

don't click on unknown links, log on to phishing websites, and don't disclose important personal information such as bank card number, card password and mobile phone number to others.

protect personal information. It is recommended to check the privacy protection clauses of online merchants to find out what information merchants have collected about you and how this information is used. Never disclose important information such as account and password.

save the order and terms of sale. As the shopping website may be changed at any time, it is suggested to print out the items related to consumer guarantee on the order and website, including delivery time, customer service, return method, etc. If you are deceived, you can report it to the industrial and commercial administration department or the Consumer Protection Association in time.

prevent the account from being stolen. Carefully choose the merchant of the transaction seller, and don't disclose your credit card number, expiration date, password and other information to the fictitious seller. Don't log on to the seller-induced payment platform, and beware of false payment websites.

it is recommended that you use a credit card for online shopping payment.

8. Huaxia Bank Credit Card Center reserves the right to update the information in this card manual. If the information is updated, the latest information published by Huaxia Bank Credit Card Center shall prevail.