Liability of the Cardmember. (i) I shall be liable to CCB (Asia) for all amounts charged to my Card (whether or not the transaction have been posted to the Card Accounts), including cash advances, all interest, all fees and other charges, whether made in Hong Kong, Mainland China or elsewhere.
(ii) (Applicable to VISA and Mastercard Credit Card) I agree that all transactions (including cash advances) on the Card Account not made in HKD shall be converted to HKD using the applicable VISA or Mastercard exchange rate (as appropriate) on the date of conversion and posted to my HKD Card Account. I agree to accept the exchange rates without dispute.
(iii) (Applicable to UnionPay Dual Currency Credit Card) I agree that:
(a) all transactions (including cash advances) made in Hong Kong or overseas, excluding Mainland China (irrespective of the currency of such transactions) shall be posted to my HKD Card Account.
(b) subject to sub-clause (c) below, all transactions (including cash advances) made in Mainland China (irrespective of the currency of such transactions) shall be posted to my RMB Card Account.
(c) certain transactions (including cash advances) made in RMB may be posted to my HKD Card Account due to the settlement arrangement.
(d) all transactions (including cash advances) which are effected by use of the Card in currency other than HKD and RMB made outside Mainland China shall be converted to HKD using the applicable UnionPay exchange rate on the date of conversion and posted to my HKD Card Account. I agree to accept the exchange rates without dispute.
(e) all Fees and Charges in respect of my HKD Card Account shall be posted to my HKD Card Account.
(f) all Fees and Charges in respect of my RMB Card Account shall be posted to my either HKD or RMB Card Account as set out in the Fee Schedule.
(iv) I agree and authorize CCB (Asia) to debit the Card Account for all the amounts payable by me to CCB (Asia) on the relevant due dates. Without prejudice to the right of CCB (Asia) to demand immediate payment of the full amount outstanding at any time, I shall pay to CCB (Asia) at least the required minimum payment of my Card Account(s) indicated in each Statement of Account on or before the due date specified therein.
