1. Cardholders can carry the acceptance logo of UnionPay, Visa, MasterCard, JCB, American Express or other bank card organizations overseas (including Hong Kong, Macao and Taiwan, the same below), or Use the card to make purchases at domestic special merchants with the UnionPay acceptance logo and other special merchants designated by the card issuer;

2. Use UnionPay, Visa, MasterCard, JCB, American Express or other bank cards overseas Withdraw local currency cash at the cash withdrawal outlets or ATMs with the organization's acceptance logo;

3. Withdraw RMB cash at domestic ATMs with the UnionPay acceptance logo or at the cash withdrawal outlets or ATMs designated by the card issuer. And enjoy other services provided by the card issuer. Corporate cards cannot withdraw cash.

Usage rules:

1. When using the card to make purchases at overseas merchants with Visa, MasterCard, JCB, and American Express acceptance logos, they only need to sign in Sign the purchase order with the same signature as in the signature box on the back of the card.

2. When making purchases at overseas merchants with the UnionPay acceptance logo or within the country, the cardholder must enter or do not need to enter the password as agreed with the card issuer in advance, and sign and sign on the purchase form. The same signature in the signature column on the back of the card, unless otherwise agreed between the cardholder and the card issuer or otherwise stipulated by the acceptance institution or bank card organization.

3. When withdrawing cash from overseas cash withdrawal outlets, cardholders must present a valid ID as required and enter a password when withdrawing cash from ATMs;

4. When withdrawing cash from domestic cash withdrawal outlets or ATMs, cardholders must Enter the password and present a valid ID when placing an order to withdraw cash.

Extended information

Notes:

1. Any transaction conducted using a password will be deemed by the card issuer to be made by the cardholder himself. Electronic information such as card consumption, deposits and withdrawals, transfer settlement, online payment, mobile payment, telephone payment and other types of transactions handled by the cardholder. The electronic information records generated by the transaction are valid credentials for the transaction.

3. All transactions conducted without using passwords are based on the transaction voucher formed by the cardholder’s signature and/or the information generated by various transactions conducted with the credit card’s magnetic stripe, chip, card number and other electronic data. One or all of the records are valid credentials for the transaction.

4. Electronic cash account transactions do not require password verification and identity verification, and transaction vouchers do not require cardholder signature confirmation.

5. All electronic cash account transactions are deemed to be transactions by the cardholder himself, and the responsibilities arising from electronic cash account transactions shall be borne by the cardholder.

6. Cardholders should use credit cards on the Internet in a safe technical and merchant environment. Otherwise, cardholders must bear their own responsibility for the risks and losses caused by the use of the card on the Internet.

China Merchants Bank Official Website-China Merchants Bank Credit Card Regulations (Ninth Edition)