Unauthorized Transactions. 10.1 The Bank will use reasonable endeavours, except in circumstances which are beyond its control, to complete the investigation within 90 days upon receipt of notice of an unauthorized transaction from the Cardholder. The Cardholder shall follow the instructions of the Bank and fully cooperate with the Bank and/or appropriate authorities in respect of any subsequent investigations into the unauthorized transaction(s) involving the Card. 10.2 If the investigation reveals that an error or unauthorized transaction has taken place, the Bank will promptly make relevant corrections and deliver a correction notice to the Cardholder and the subsequent credit card statement will be issued with the error or unauthorized transaction being deleted. If no unauthorized transaction has occurred, the Bank will explain such to the Cardholder and furnish, where available, copies of any documentary evidence in support. 10.3 In the event that the Cardholder reports to the Bank any unauthorized transaction before the payment due date, the Cardholder may withhold payment of the disputed amount during the investigation period. The Bank will not impose any interest or finance charges on such disputed amount whilst it is under investigation or make any adverse credit report against the Cardholder. The Bank reserves the right to re-impose any fees, charges and/or interest on the disputed amount over the whole period commencing from the date of transaction (or such later date as the Bank may in its absolute discretion determine from time to time) until full payment of the disputed amount together with all related fees, charges and/or interest if the report made by the Cardholder is subsequently proved to be unfounded.
Appears in 6 contracts
Samples: Cardholder Agreement, Bank of Communications China Unionpay Dual Currency Credit Card Cardholder Agreement, Bank of Communications China Unionpay Dual Currency Credit Card Cardholder Agreement
