● Industrial Visa Credit Card and Industrial MasterCard Credit Card.
The dual-currency credit card of Industrial Bank is a dual-currency credit card that meets international standards, and provides RMB and USD as two settlement currencies. According to the different brands accepted, the dual-currency credit cards of Industrial Bank can be divided into Industrial UnionPay Visa Credit Card (with "UnionPay" and "Visa" logos on the card face) and Industrial UnionPay MasterCard Credit Card (with "UnionPay" and "MasterCard" logos on the card face). You can use it at merchants and ATMs with corresponding acceptance marks according to the type of Industrial Credit Card you hold.
Instructions for spending by credit card
Please identify the acceptance mark of the exclusive store.
Please select the special store with the corresponding logo to sign the bill according to the service acceptance logo of the credit card you hold.
UnionPay Visa MasterCard
● If you choose "password+signature" as the confirmation method of domestic settlement, remind the cashier that you need to enter the password when swiping your credit card.
● If you choose "signature only" as the confirmation method of domestic checkout, the cashier may prompt you to enter your password or show your ID card when swiping your card in China. In the above situation, you can enter six digits at will and show your ID card.
● When swiping the card, please ensure that the credit card is within your sight to ensure that the credit card will not be misused or stolen.
● Please don't sign the blank bill or sign the bill without filling in the amount.
● Before signing for confirmation, please confirm whether the card number, transaction amount, transaction currency and transaction type listed in the signed bill are correct.
When the signed bill needs to be rewritten due to errors, please ask the cashier to void the original signed bill face to face; If you need to cancel the transaction, please keep the return voucher given by the merchant to avoid disputes in the future.
● After the transaction is completed, please try to keep the stub of the signing customer for checking with the statement.
● After each transaction, please confirm that the recovered credit card belongs to you to prevent illegal exchange.
● When signing accounts in consumption abroad, the consumption currency is local currency, and the bookkeeping currency is RMB or USD. If you spend money by swiping a card at a marked overseas terminal, the functional currency is RMB, and the exchange rate is converted according to the exchange rate provided by China UnionPay. Moreover, due to different countries and regions, you may need to enter a password. If the cashier asks you to enter the password, please enter the six-digit transaction password, and "password+signature" to confirm the transaction; If the cashier doesn't ask for a password, you can "sign" directly to confirm without entering a password. If you swipe your card at an overseas credit card terminal with and logo, the bookkeeping currency is US dollars, and the exchange rate is converted according to the exchange rate provided by Visa and mastercard international. You don't need to enter a password during the transaction, and you can directly "sign" to confirm the transaction.
Instructions for the use of cash in advance
How to borrow cash in advance
● In China, you can withdraw RMB cash from the ATM of Industrial Bank or other tagged banks; In foreign countries, you can withdraw local currency from ATM machines marked with,, or.
● You can also withdraw RMB cash by credit card and password at the counter of Industrial Bank outlets; Overseas, you can withdraw local currency from the bank counter with valid identity documents and credit cards. When withdrawing cash abroad, the bank will automatically convert the withdrawal amount into US dollars.
● When withdrawing money from overseas, if it is transacted through ATM, the functional currency is RMB, and the exchange rate is converted according to the exchange rate provided by China UnionPay; If transactions are made through ATM, the bookkeeping currency is USD, and the exchange rate is converted according to the exchange rate provided by Visa and mastercard international.
● ATM withdrawal regulations in Hong Kong and Macao are as follows: the daily cumulative amount in Hong Kong shall not exceed 4,500 Hong Kong dollars, and the daily cumulative amount in Macao shall not exceed 4,800 Macao dollars.
For more information about the names, addresses and ATM addresses of specialty shops in Hong Kong and Macao, please consult China UnionPay.
Instructions for the use of cash in advance
● The cash advance limit of your credit card is generally 20-50% of your credit limit, which is included in your credit limit. We will inform you of the cash advance limit on the statement.
● Advance cash does not enjoy interest-free repayment period, and a certain handling fee is required (see various card fee standards in "Card Friends' Rights and Interests" for details).
● When withdrawing money from overseas (including overpayment), the accumulated withdrawal amount shall not exceed the equivalent of 1000 USD in one day, 5,000 USD in one month and 10000 USD in six months.
Matters needing attention in using ATM to withdraw cash
● Please follow the instructions of ATM and remember to get back your credit card after withdrawing money; If it is found that the credit card account has been deducted, but the ATM machine does not spit money or swallow the card, you should take the "receipt" printed by the ATM machine to the bank outlet to which the ATM machine belongs or call the customer service hotline of the ATM machine for help.
● As foreign ATMs generally provide several accounts for cardholders to choose from (credit card account, savings account, checking account, etc.). ), please pay attention to select "Credit Card Account".
Instructions for using online payment
● You can call the 24-hour customer service hotline 9556 1 to apply for opening the overseas online payment function. When opening, you can choose to open it once, for a period of time or permanently, and you can also apply for closure at any time after permanent opening. You can use it directly on the website of the merchant who signed the cooperation agreement with our bank. Please use the online payment function when you fully understand the security of online transactions.
Instructions for use of overpayment
● Overpayment refers to the overpayment of funds when you repay or the funds deposited in your credit card account. You can withdraw cash through ATMs and our outlets. It takes a certain handling fee to withdraw the overpaid part. (For details, please refer to various card charging standards in "Card Friends' Rights and Interests")
Overpayment can increase the available limit of your credit card, and if you lose your card, it will also increase your risk of reporting the loss.
Dispute transaction processing method
● If you have any questions about the transactions listed in your statement, please call the 24-hour customer service hotline 9556 1 before the bill is due for repayment. If you need to read the purchase order, you need to pay a certain fee (see the charging standards of various cards in "Card Friends' Rights" for details).
Increase credit line service
● When you use the card for a period of time, you can also call the 24-hour customer service hotline 9556 1 to apply for increasing the credit limit. We will also actively adjust your credit limit according to your credit history.
● When it is necessary to temporarily increase the credit line due to traveling abroad, decorating a new house, getting married and other reasons, you can call the 24-hour customer service hotline 9556 1 in advance to apply. The temporary credit line is valid for a maximum of one month, and your credit line will be automatically restored to the original credit line after expiration.