「信用卡」指任何由建行（亞洲）所發的VISA、Mastercard或銀聯信用卡（包括任何補發及期滿續發之信用卡），及本文義准許或規定之信用卡，包括附屬卡。如為 銀聯雙幣信用卡，信用卡將由港幣卡賬戶及人民幣卡賬戶組成。
建行（亞洲）信用卡會員合約
重要！請仔細閱讀及確保閣下完全明白下述之條款及細則。如閣下於任何時候不接受其中任何條款及細則，請把信用卡剪成兩半，並通知建行（亞洲）。信用卡會員合約（「合約」）包括所有下文所列明之條款及細則連同服務收費一覽表。閣下一經使用信用卡（包括確認啟動新卡或只保留信用卡賬戶），即表示已接納本合約。如閣下之信用卡為建行（亞洲）八達通銀聯雙幣信用卡，合約亦包括建行（亞洲）八達通銀聯雙幣信用卡八達通卡功能使用條款及細則。
1. 定義
在本合約內，下述字詞具有如下含義：
「建行（亞洲）」指中國建設銀行（亞洲）股份有限公司。
「信用卡」指任何由建行（亞洲）所發的VISA、Mastercard或銀聯信用卡（包括任何補發及期滿續發之信用卡），及本文義准許或規定之信用卡，包括附屬卡。如為銀聯雙幣信用卡，信用卡將由港幣卡賬戶及人民幣卡賬戶組成。
「信用卡會員」指獲發信用卡之人士，及本文義准許或規定發行之信用卡會員，包括附屬卡之信用卡會員。
「信用卡賬戶」指建行（亞洲）持有的信用卡的相應賬戶。如為銀聯雙幣信用卡，信用卡賬戶指港幣卡賬戶，或人民幣卡賬戶，或港幣及人民幣卡賬戶。
「電子服務」指由建行（亞洲）電子渠道，包括建行（亞洲）網站及銀行流動應用程式軟件所提供與信用卡有關的服務。
「服務收費一覽表」指不時更改或修訂之建行（亞洲）信用卡服務收費一覽表，其副本可致電建行（亞洲）信用卡24 小時客戶服務熱線：VISA及Mastercard信用卡可致電 317 95533，銀聯雙幣信用卡可致電317 95568，或上網 xxx.xxxx.xxx.xxx索取。
「收費及費用」指載於服務收費一覽表之收費及費用。
「香港」指中華人民共和國香港特別行政區。
「港幣」指港元，香港的法定貨幣。
「港幣卡賬戶」指就信用卡在建行（亞洲）以港幣開立及存置的賬戶，並就使用信用卡而記錄支賬及進賬。
「本人」及「本人的」指信用卡會員。
「銀通」指銀聯通寶有限公司。
「澳門」指中華人民共和國澳門特別行政區。
「中國內地」指中華人民共和國，但不包括香港及澳門。
「Mastercard」指Mastercard Internationa（l 及任何其承繼人或受讓人）。
「八達通」指八達通卡有限公司。
「八達通卡」指由八達通發行的儲值卡或產品。
「私人密碼」指在本人使用以接達電子服務時，連同用戶姓名，提供予本人或本人所選擇的電子鑑定號碼/字母。
「個人資料」指與本人有關之個人資料。
「PIN」指由本人選用用作在信用卡進行交易時可供確認本人之身份的所有個人身份證明密碼。
「人民幣」指人民幣，中華人民共和國的法定貨幣。
「人民幣卡賬戶」指就信用卡在建行（亞洲）以人民幣開立及存置的賬戶，並就使用信用卡而記錄支賬及進賬。
「月結單」指就信用卡賬戶而發給本人的月結單或其他賬單，月結單上載有（其中包括）本人於該日所結欠之費用及其他財務責任。
「附屬卡會員」指任何由信用卡會員提名，並獲發附屬卡之人士。
「銀聯」指中國銀聯股份有限公司，於中華人民共和國成立之股份有限責任公司。
「用戶姓名」指在本人使用以接達電子銀行服務時，其連同本人的「私人密碼」，提供予本人或本人所選擇的電子鑑定號碼/字母。
「VISA」指Visa International Service Association（及任何其承繼人或受讓人）。
2. 本合約的適用範圍
2.1 本人明白、確認及同意信用卡或信用卡戶口所提供予本人的所有信貸服務，均受本合約不時有效的條款及條件及任何其他適用條款及條件所規限。本人簽署、啟動、使用或准許使用信用卡須受該等條款及條件所約束（如仍未受約束）。
2.2 本合約對信用卡會員的繼承人，遺產代理人及法定代表均具有約束力。
3. 信用卡之使用
3.1 信用卡 － 本人在收到信用卡時當立即在卡上簽名並確認新卡，並保存信用卡在安全之地方。如因為未能或延遲履行上述之行為而引致損失，本人須負上全責。信用卡於所有時候均屬建行（亞洲）之財物，並須在建行（亞洲）要求下退還。
3.2 PIN － 本人須小心處理任何連同信用卡所用之PIN或私人密碼，及將該PIN或私人密碼（如適用者）保密。尤其，本人同意：
（i） 銷毀印有任何PIN或私人密碼的通知正本；
（ii） 不容許任何人士使用本人的信用卡、任何PIN或私人密碼；
（iii）不得將任何PIN或私人密碼寫於信用卡上或任何通常與信用卡一起存放或存放於信用卡附近的物品上；
（iv）若寫下或記錄任何PIN或私人密碼時，必須加以掩飾使人難以辨認；
（v） 在本人選取PIN或私人密碼時，本人不得選取可讓第三者輕易猜中的數字，（如避免使用本人或附屬卡會員或親友之生日日期或本人任何電話號碼之任何部份）；及
（vi）不得將任何PIN或私人密碼接駁其他服務（如接連互聯網或其他網址）。
如因為未能妥善選擇PIN或私人密碼或妥善處理信用卡、PIN或私人密碼而引致損失，本人須負上
全責。本人同意就PIN或私人密碼因任何原因（因建行
（亞洲）的疏忽除外）外洩予任何人士而引致之一切後果、損失及/或責任，本人須負上全部責任，並會為由此而令建行（亞洲）產生之任何合理損失或損害向建行（亞洲）作出賠償。
3.3 有效期、終止及續期 － 信用卡的有效期直至卡上所示之月份的最後一日為止（除非之前已被終止）。本人須在建行（亞洲）要求下將信用卡退還予建行
（亞洲）。建行（亞洲）可在其酌情權下決定是否續發信用卡。如本人之信用卡不獲續期，該信用卡各賬戶全部未清繳款項將立即到期，並須立即清繳。本人有權於信用卡續期日起計三十（30）日內，向建行
（亞洲）發出書面通知，取消信用卡。
3.4 聯營商號接受信用卡 － 在下述情況下，建行（亞洲）毋須負上或承擔任何責任：（i）任何商戶因為任何原因拒絕接受信用卡；及/或（ii）建行（亞洲）拒絕就任何交易授予信用授權，儘管本人之信用卡賬戶仍有可供使用之信用限額。此外，建行（亞洲）亦毋須就本人或其他人士透過信用卡獲取之優惠或購買之任何產品或服務負上或承擔任何責任。如本人欲取消以信用卡進行的任何直接付款交易或授權，本人須與有關商戶安排取消交易。商戶與本人之間出現之任何索償或糾紛並不會免除本人繳付信用卡欠款予建行（亞洲）之責任。在以下第9條款規限下，本人不會因沒有簽署任何信用卡購物單據或現金透支單據而免除本人就信用卡進行的有關交易負上全責。
3.5 信用限額
（i） VISA、Mastercard及銀聯雙幣信用卡之綜合信用限額 - 本人將獲以港幣為貨幣單位之綜合信用限額（包括現金透支限額），該綜合信用限額即為本人所有VISA、Mastercard及銀聯雙幣之信用卡賬戶於任何時候最高可結欠之總金額。就此綜合信用限額，建行（亞洲）亦可為信用卡賬戶設立預定信用限額（如適用）。
（ii） 保留調整權利 - 建行（亞洲）可隨時調整本人： VISA、Mastercard及銀聯雙幣之綜合信用限額、預定信用限額及/或現金透支限額（統稱為「限額」）。有關最高可結欠之總金額及/或限額之詳情，本人可與建行（亞洲）聯絡。本人之限額將由本人及本人名下之所有附屬卡會員（如適用）共同使用。本人須嚴格遵守該限額。建行（亞洲）保留權利，可在沒有給予本人事前通知或未得本人事前同意的情況下，隨時調低本人之限額。建行（亞洲）可在其獨有酌情權下准許交易超出限額，本人須就該等交易款項及有關收費及費用（包括過額費用）按本合約的條款負上全責。本人明白本人可透過建行（亞洲）指定之途徑選擇不使用超出限額之信貸服務。儘管有以上選擇，本人同意建行（亞洲）仍保留權利按其規定之情況下准許本人之交易超出限額及/或現金透支限額。
3.6 信用卡之使用
（i） 所獲發的信用卡只供本人使用及不得轉讓。本人須以建行（亞洲）滿意之方式開立及維持信用卡賬戶。本人明白及同意即使信用卡未被確認啟動，某些交易（尤其在毋須提交信用卡情況下進行的交易）仍可有效及誌賬於本人信用卡賬戶。無論信用卡賬戶被確認啟動與否，本人 仍須負責以信用卡進行的所有交易。信用卡的使用須（i）受信用限額所限制（VISA、Mastercard及銀聯雙幣信用卡為綜合信用限額或預定信用限額，方可享用以下之服務，此包括支付任何購買貨物及/或服務之價款，所付款額當誌賬於信用卡賬戶內；及（ii）受制於建行（亞洲）所定之現金透支限額所限制，方可享用經建行（亞洲）預先安排及認可之現金透支及/或信貸服務。建行（亞洲）有權決定本人透過使用信用卡以獲取現金透支之途徑。本人明白及知悉海外現金透支及海外櫃員機的功能須預先啟動（以不時通知的啟動方式），方能使用。任何其他人士均不准使用本人信用卡作記賬、鑑別或任何其他用途。如本人容許他人使用本人信用卡或本人自動放棄管有本人之信用卡，本人須就信用卡被使用所引致的所有款項向建行（亞洲）負上全部責任。信用卡不可以被用作支付任何適用法例所指之非法之交易。建行（亞洲）保留權利拒絕處理或支付建行（亞洲）懷疑屬任何適用法例所指之非法之交易。本人可於香港、中國內地及由建行（亞洲）不時指定的其他地方於使用VISA、 Mastercard、銀聯及/或銀通或與之連接的商戶或金融機構使用信用卡購買貨品及/或服務及/或於貼有VISA、Mastercard、銀聯及/或銀通不時採用的標記的自動櫃員機作現金透支及建行（亞洲）不時所提供或安排的其他信用卡設施或服務。
（ii）（只適用於銀聯雙幣信用卡）本人承認及同意如獲發建行（亞洲）八達通銀聯雙幣信用卡，該信用卡將備有八達通所提供之八達通卡功能。當使用信用卡內之八達通卡功能時，本人須受建行（亞洲）八達通銀聯雙幣信用卡之八達通卡功能使用條款及細則所約束。
4. 收費及費用
4.1 收費及費用 － 本人同意以下之收費及費用將從本人之信用卡賬戶中扣除。詳細的資料載於服務收費一覽 表上。本人確認明白該等收費及費用。
會員年費 － 除另行通告外，建行（亞洲）將收取會員年費。
優惠費用 － 本人同意，為了享用某些信用卡優惠，本人須符合有關之條款及細則，否則本人將不合乎資格享用該等優惠，或建行（亞洲）將會向本人收取相關費用（由建行（亞洲）在其酌情權下決定）。
補發新卡費用 － 對於補發新卡，建行（亞洲）將會就每xx卡收取補發新卡費用。
現金透支費用 － 對於每筆現金透支，建行（亞洲）將會收取手續費。
退回賬戶結餘手續費 － 對於退回信用卡賬戶內之任何結存予本人，建行（亞洲）將會收取手續費。
信用卡指定地點繳款手續費 － 對於在建行（亞洲）之任何指定地點繳交信用卡款項之交易，建行（亞洲）將會就每次付款交易收取手續費。
發出信用狀況信件手續費 － 對於發出信用狀況信件，建行（亞洲）將會收取手續費。
郵寄紙張信用卡月結單費用 － 若本人選擇收取郵寄紙張月結單，須於每季繳付服務費。
外幣交易收費（只適用於VISA及Mastercard信用卡）－
每項以非港幣所進行之交易將收取費用。
以港幣支付外幣簽賬的有關費用－客戶在海外商戶或在香港以外地方註冊的商戶消費時，海外商戶可直接安排以港幣支付外幣簽賬，VISA、Mastercard或銀聯（如適用）將會收取費用。
財務費用 － 就現金透支交易而言，財務費用會由透支 日期起計算，直至全數清還為止。就購物簽賬而言，若本人在月結單列明之到期繳款日或之前全數付清月結單所載之欠款，則無須就月結單上之欠款繳付財務費用。若繳付之款項低於月結單上所載之全數欠款（不論是現金透支或購物簽賬），其購物簽賬則須根據以下條款繳付財務費用（利率載於服務收費一覽表）：
（i） 所有未清付的結欠（顯示於上一期月結單內）須從到期日前一個月結單日起計息直至所有款項清繳為止；及
（ii） 所有前一個月結單日後記誌的新交易款項須根據 交易日期起計息，直至所有款項清繳為止。
有關現金透支及購物簽賬所適用之財務費用列明於服務收費一覽表中。
兌現外幣支票手續費 － 對於兌現外幣支票（有關信用卡賬戶所指定的貨幣除外）（建行（亞洲）可在其酌情權下決定是否接受兌現），建行（亞洲）將會收取手續費；本行恕不接受人民幣支票。
逾期費用 － 如本人未能於月結單所示之「到期繳款日」或之前全數繳付月結單列明之任何信用卡賬戶之各
「最低付款額」，建行（亞洲）將會就逾期欠款的各有關信用卡賬戶收取逾期費用。
過額費用 － 如賬戶總結欠於月結單之月結單截數日超出該VISA、Mastercard信用卡賬戶之綜合信用限額或預定信用限額，建行（亞洲）將會就每期月結單收取過額費用。
購物單據檢索費 － 對於銷售單檢索副本，建行（亞洲）將會就每張收取手續費。
月結單檢索費 － 對於月結單檢索，建行（亞洲）將會就每份收取手續費。
本人同意支付建行（亞洲）不時指明的其他合理費用及收費（包括但不限於（i）有關處理現金付款時所收取之其他收費及費用；及（ii）於任何有關信用卡的申請表格、產品單張或其他有關的宣傳或推廣資料內所列明的收費及費用）。
4.2 付款次序 － 收費及費用須以建行（亞洲）不時指明及其日常事務規程及程序所接受之方法及方式繳付。本人所支付之任何款項須按下述先後次序支付：
（i） 逾期費用及過額費用；之後
（ii） 現金透支費用；之後
（iii） 購物單據檢索費，補發新卡費用，郵寄紙張信用卡月結單費用，月結單檢索費，及其他費用及收費；之後
（iv）會員年費；之後
（v） 現金透支利息財務費用；之後
（vi）購物簽賬利息財務費用；之後
（vii）分期付款之每月供款金額；之後
（viii）最高實際年利率之未清還金額；之後
（ix）其他未清還金額（依其適用的實際年利率，按遞降次序支付）；和，最後
（x） 任何其他根據本合約的應繳款項。
為免存疑，在（viii）及（ix）條所指之未清還金額包括於不時推出的優惠計劃（如有的話）下之結欠金額、所欠現金透支之結欠金額及購物簽賬之結欠金額。
5. 失責及賠償
5.1 失責 － 如本人未能按本合約履行任何付款之責任，本人使用信用卡之權利會被撤銷或被暫停。本人亦有責任即時繳付信用卡之所有欠款（不論交易是否已經記入信用卡賬戶），包括利息、所有費用及全數會員年費、逾期費用及其他收費（不論產生於香港、中國內地或其他地方）。
5.2 追討費用 － 如建行（亞洲）需要將追討本人信用卡賬戶欠款之事宜委託追討代理人及/或律師，本人須負責繳付該追討代理人及/或律師之合理收費及費用及建行（亞洲）因追討款項及強制執行其權利所產生之合理成本及支出。
5.3 賠償 － 如建行（亞洲）由於信用卡之使用而產生之任何交易，或本人未能履行任何於本合約中之條文，因而引致任何合理損失、損害、收費及費用（包括所有合理之訴訟費、法庭收費、律師費及債務追討代理人的費用及支出），本人將一經建行（亞洲）要求下立即作全數賠償。
6. 個人私隱
6.1 私隱通知 － 本人明白、確認及同意，建行（亞洲）可以 並可繼續按建行（亞洲）不時給予其客戶之私隱政策或任何其他聲明、通告、通知書或條款及細則列明之有關使用及透露個人資料政策中所載之用途及人士，收集、使用、儲存、轉交及透露（不論在香港或外地）個人資料。因此建行（亞洲）可以向信貸資料機構、
銀行，任何建行（亞洲）之聯營機構或同集團公司，政府及監管機構，代理人，承包商，指定商業夥伴及第三者服務供應商及在拖欠債務的情況下，向債務追討代理人，收集或提供個人資料。
6.2 信貸資料服務機構 － 本人明白及確認，本人知道在考慮本人之申請時，建行（亞洲）已取得並考慮本人之信貸報告。本人確認在提出要求時，本人有權知道建行（亞洲）通常向信貸資料服務機構或債務追討代理人透露那一項個人資料，及有權獲提供進一步資料令本人可以向有關信貸資料服務機構及/或債務追討代理人，提出取覽及/或更正有關資料之要求。
6.3 轉交個人資料 － 在不影響前述條文的原則下，本人 授權建行（亞洲）向以下人士或機構，保密地透露及轉交本人之個人資料及信用卡賬戶資料：
（i） 為本人提供及負責保留有關信用卡賬戶運作之行政服務及資料保管，及提供信用卡推廣服務之任何第三者服務供應商（不論在香港境內與否）；
（ii） 其他建行（亞洲）之聯營機構或同集團公司或其於世界各地的特許持有人；及
（iii） 名稱或標誌顯示在信用卡上的任何世界各地的第三者。
本人進一步授權建行（亞洲）使用及透露本人之個人資料及有關本人信用卡賬戶資料，以便更新及/或核實任何建行（亞洲）之聯營機構、或同集團公司或代理所持有有關本人之任何及所有個人資料，或作推廣用途（包括但不限於（i）推廣任何建行（亞洲）之聯營機構、同集團公司或代理及/或指定商業夥伴之產品及/或服務；及/或（ii）與任何建行（亞洲）之聯營機構、或同集團公司或代理及/或指定商業夥伴交換非財務性質之資料），以及用作建行（亞洲）不時知會本人之任何其他用途。
6.4 要求查閱之權利 － 本人確認，本人知道本人有權於任何時候查閱建行（亞洲）持有本人之信用卡賬戶資料，並要求更新及改正該等資料。建行（亞洲）有權由於處理上述要求而向本人收取合理費用。關於 查閱或改正資料的要求， 應向資料保障主任提出
（地址：xxxxxx（xx）xxxxxx，xx九龍灣宏照道十八號中國建設銀行中心十九樓）。
7. 失卡責任
7.1 信用卡遺失或被竊 － 如信用卡遺失或被竊，或有任何其他人士知道（或懷疑外洩）信用卡之PIN，或信用卡被懷疑已被偽造而載有相同之信用卡號碼，本人須在合理可行的情況下儘快致電24小時失卡熱線：
（852）317 95505或其他建行（亞洲）不時指定之電話號碼通知建行（亞洲）。任何上述情況，本人亦須立即通知警方，及在建行（亞洲）要求下將警方報告提供予建行（亞洲）。如本人身處海外，本人應盡快致電VISA、 Mastercard或銀聯（如適用）報告。
7.2 責任 － 如遇信用卡遺失或被竊、PIN被未經授權使用或信用卡被偽造，本人須完全就本人按照上述之指示通知建行（亞洲）前已進行之所有交易負責。
如建行（亞洲）（基於其獨有意見）認為本人行為誠實及已盡力保護信用卡及PIN，並於信用卡遺失或被竊後，已按上述指示通知建行（亞洲）及警方，本人對於建行
（亞洲）接獲每宗信用卡遺失或被竊的通知之前所產生的未經授權之信用卡交易（不包括現金交易）的最高負責金額為500港元。
7.3 補發新卡費用 － 建行（亞洲）可在其酌情權下決定會否補發新卡。建行（亞洲）可就補發已遺失或被竊之信用卡，向本人收取補發新卡之費用（列明於服務收費一覽表中），而有關之費用可在信用卡賬戶中扣除。
本人明白及確認本人須就建行（亞洲）因本人（及/或任何附屬卡會員）之詐騙行為或嚴重疏忽所產生之所有損失負上全部責任。
8. 付款
8.1 信用卡會員之責任
（i） 本人須向建行（亞洲）負責本人之信用卡之全部 欠款（不論交易是否已於信用卡賬戶誌賬），包括現金透支、所有利息、所有費用及其他收費
（不論是香港、中國內地或其他地方收取）。
（ii）（只適用於VISA及Mastercard信用卡）本人同意所有透過信用卡以非港幣計算之交易（包括現金透支），將會按VISA或Mastercard當日適用之匯率折算為港幣，並且誌賬於本人港幣卡賬戶。本人同意接受匯率及不提出爭議。
（iii）（只適用於銀聯雙幣信用卡）本人同意 :
（a）於香港或海外（不包括中國內地）進行的所有交易（包括現金透支）（無論交易以任何貨幣進行），將誌賬於本人港幣卡賬戶。
（b）在以下第（c）條款規限下，於中國內地進行的所有交易（包括現金透支）（無論交易以任何貨幣進行），將誌賬於本人人民幣卡賬戶。
（c）由於清算安排，某些以人民幣為貨幣單位的交易（包括現金透支），將可能誌賬於本人港幣卡賬戶。
（d）於中國內地以外地方，以信用卡所作之港幣及人民幣以外貨幣的所有交易（包括現金透支），將按銀聯於折算日所採用的匯率折算為港幣，並誌賬於本人港幣卡賬戶。本人同意接受匯率及不提出爭議。
（e）就港幣卡賬戶而產生的所有收費及費用，將誌賬於本人港幣卡賬戶。
（f） 就人民幣卡賬戶而產生的所有收費及費用，將按照服務收費一覽表誌賬於本人港幣卡賬戶或人民幣卡賬戶。
（iv）本人同意及授權建行（亞洲）於有關到期日從信用卡賬戶收取本人所有須付款項。在不影響建行（亞洲）可於任何時候要求本人即時全數繳付欠款的權利 之情況下，本人須於每份月結單所顯示之到期日或之前，向建行（亞洲）繳付不少於
月結單上就本人每個信用卡賬戶所列明之最低付款額。
8.2 貨幣
（i） 本人之信用卡賬戶的所有款項須以相應之貨幣繳款。有關款項須在建行（亞洲）收妥有關款項實際價值方能作實。如用作繳款之支票貨幣與信用卡賬戶不同，該支票所作之繳款會否被接受將在建行（亞洲）的酌情權下決定，而款項將會按建行（亞洲）於所採用的匯率折算，本人同意接受匯率及不提出爭議。如建行（亞洲）同意接受此繳款方式，則須待該款項收妥以後，方能以建行（亞洲）所獲得的實際金額（扣除所有適用的收費及費用）為限，入賬於信用卡賬戶中。
（ii）（只適用於銀聯雙幣信用卡）於繳款時，本人須清晰指定入賬的信用卡賬戶。尤其，港幣卡賬戶須以港幣繳款，而人民幣卡賬戶須以人民幣繳款。若本人以港幣繳付本人的人民幣卡賬戶的結欠，本人須以建行（亞洲）不時指定的方式列明。
8.3 結餘
（i） 建行（亞洲）有權（可在其絕對酌情權下決定）拒絕接受任何超出本人信用卡賬戶結欠金額的款項存入本人信用卡賬戶。建行（亞洲）可將任何超出償還本人信用卡賬戶之欠款所需金額的額外款項，以建行（亞洲）所定方式保留在信用卡賬戶中，或退還予本人，或用作對銷任何本人向建行（亞洲）所欠的款項。
（ii）（只適用於銀聯雙幣信用卡）在以下第18條款規限下，除非本人另外要求及獲建行（亞洲）同意，本人港幣卡賬戶中的任何結餘將不會用作償還本人人民幣卡賬戶的任何結欠，而本人人民幣卡賬戶中的任何結餘將不會用作償還本人港幣信用卡賬戶的任何結欠。
8.4 退回結餘 － 本人同意就本人信用卡賬戶中的結餘，於結餘在提出此要求時已誌賬於信用卡賬戶的前提下，建行（亞洲）將在本人的要求下以建行（亞洲）認為合適的方法退回本人。本人同意建行（亞洲）就是否接納
或結餘少於10港元/10元人民幣或結餘值為零港元或零人民幣。
（ii） 如本人並未收到月結單（除因前述之原因外），本人須立即致電信用卡上所顯示的電話，通知建行（亞洲）。本人明白除非本人以上述方式通知建行（亞洲），本人將被當作已收到所有月結單。本人同意根據月結單向建行（亞洲）繳付款項，而無論本人有否收妥任何月結單，本人仍須負責向建行（亞洲）繳付月結單上所載的欠款。
9.2 月結單上之錯誤 － 除非本人於月結單上所顯示之月結單截數日日期起六十（60）日內以書面通知建行
（亞洲），表示發現錯誤；否則，該月結單所示之賬目將被假定為正確無誤。如本人於上述期間內並沒有通知建行（亞洲）發現任何錯誤，則月結單所示之賬目將無保留地被視為正確無誤及對本人具有約束力。建行（亞洲）毋須向本人出示發票/銷售單據以證明月結單所示之各項交易。
10. 積分、會員優惠及/或卡組織服務
10.1 積分及/或會員優惠 － 本人明白，建行（亞洲）可不時推出有關本人使用信用卡之積分計劃及/或會員優惠。本人可根據有關積分計劃及/或會員優惠之條款及細則，享用優惠、服務或禮品。
10.2 卡組織服務 － VISA、Mastercard或銀聯可為本人安排一系列由服務供應商提供的服務和優惠。該等服務可不時更改而毋須預先通知。建行（亞洲）就提供或供應該等服務毋須負責，建行（亞洲）亦非該等服務供應商，或代理人、代表或分銷者。就本人所獲提供該等服務而言，建行（亞洲）毋須參與、負責或訂立書面合約。建行（亞洲）就該等服務或服務供應商之範疇、質素或任何其他方面毋須負責或作出聲明或保證，亦毋須就該等服務所引致或有關之責任（不論是直接或間接）負責。
11. 海外交易
（i） （只適用於VISA及Mastercard信用卡）所有以非港幣計算的交易金額，均會根據VISA及Mastercard（如適用）
印刷品及簡報僅作說明用途。建行（亞洲）並無參與xx、認可或以其他方式推廣該等保險產品亦毋須為此負責。本人確認本人可在該等資料中顯示之有關特選保險公司的特可代理人提出所有查詢/要求。
13. 電子服務
13.1 用戶姓名及私人密碼 － 有關本人使用電子服務，本人須採取一切合理措施，以保護和確保用戶姓名和私人密碼於所有時候保密。尤其，本人不可向任何人士（包括主卡會員或（如適用）任何附屬卡會員或建行（亞洲）的職員或就信用卡或電子服務提供技術支援或其他協助之人士）透露用戶姓名及私人密碼的任何資料。
13.2 保安措施 － 本人不得容許任何人士代表本人使用電子服務。本人同意就本人使用建行（亞洲）所提供的網上服務，本人須受於建行（亞洲）不時列明於其電子渠道的條款及細則所約束。本人同意，就電子服務而言，使用用戶姓名及私人密碼足以鑑別本人的身份。建行（亞洲）如誠信行事，有權按指示（透過電子服務使用正確用戶姓名及私人密碼作出的指示）行事，而毋須向本人取得任何進一步書面或其他確認， 本人仍須就該等指示及本人使用電子服務負責，即使該等指示事實上並非由本人作出或授權。
14. 修改及轉讓
14.1 修改 － 建行（亞洲）有權在其酌情權下不時修訂本合約
（包括服務收費一覽表）。本人明白建行（亞洲）將會就本合約（包括服務收費一覽表）每次之修改向本人發出修改通知。如該等修改影響收費及/或費用及/或本人之責任或義務，建行（亞洲）將於有關修改生效前，給予本人不少於六十（60）日之通知（有關修改非建行（亞洲）所能控制則屬例外）。本人於上述通知期屆滿後繼續使用信用卡及/或沒有全數繳清信用卡賬戶之欠款及所有費用及收費，本人將被當作已接納該等修改。
如本人不接受任何修改，本人必須於修改通知書日期起計三十（30）日內以書面通知建行（亞洲）終止本人之信用卡。建行（亞洲）保留權利可要求本人退還信用卡（須剪成
本人最後提供予建行（亞洲）之地址。在建行
（亞洲）之要求下，信用卡（須剪成兩半）必須在終止後退還予建行（亞洲）。
（ii）（只適用於銀聯雙幣信用卡）如本人的港幣卡賬戶或人民幣卡賬戶被終止，本人的信用卡亦被終止。
15.2 終止影響 － 如本人之信用卡被本人或建行（亞洲）終止
（無論基於任何原因）或在本人破產、去世或其他情況下本人使用信用卡之權利被撤銷 ：
（i） 本人之所有權利和特權（包括任何附屬卡會員之權利和特權）將會自動被終止；及
（ii） 本人欠下建行（亞洲）之信用卡及每張附屬卡之總結欠（不論交易是否已經誌賬於信用卡賬戶），包括利息、所有費用和全數會員年費，及其他收費（不論是香港、中國內地或海外地方收取的），在沒有要求或通知下立即到期應付及應立即繳付。
15.3 賠償 － 本人經建行（亞洲）要求下須立即就任何信用卡進行之交易而令建行（亞洲）合理地產生之損失、損害、收費及開支（法律有關與否）（包括所有合理的律師費及開支，及債務追討代理人的合理費用及開支）賠償建行（亞洲）。在本人繳清欠款前，建行（亞洲）有權繼續收取逾期費用。本人於信用卡被終止後不得繼續使用信用卡，否則即屬不合法。
15.4 結束信用卡賬戶
（i） 如信用卡終止後尚有結餘，對於港幣卡賬戶，本人須與建行（亞洲）作出安排，在信用卡賬戶終止日期起的六（6）個月內直接存入本人於建行
（亞洲）的其他港幣賬戶或以建行（亞洲）所指定的其他方式取回該結餘。如本人未能在上述指定限期內取回結餘，建行（亞洲）有權（毋須給予事先通知）於本人取回結餘前，從賬戶結餘中扣除賬戶結餘收費及其他因保管該款項而產生之一切
合理的行政費用。
17. 附屬卡
17.1 主卡會員之責任 － 附屬卡會員將受本合約之條款及細則所約束。本人須就信用卡賬戶中本人之欠款及債務及附屬卡會員之所有欠款及債務負上全責。
17.2 附屬卡會員之責任 － 每位附屬卡會員須負責信用卡賬戶中他/她的欠款及債務，但毋須負責本人或其他附屬卡會員在該賬戶中之欠款及債務。如本人要求取消任何附屬卡，本人與該附屬卡會員同意於提出該要求後，繼續支付及負責該附屬卡之所有欠款及債務，直至該附屬卡退還予建行（亞洲）及建行（亞洲）收妥為止。
18. 抵銷權
18.1 抵銷－ 建行（亞洲）可隨時及在毋須預先通知的情況下，組合或合併任何戶口（以任何類別、任何地方、不論戶口是否以本人個人或與其他人聯名名義管有，及是否需要通知），及抵銷、扣除、提款、運用及/或轉移其總額並存入一個或多個戶口內以滿足本人對建行（亞洲）的其他戶口或任何有關的本人的義務及責任，不論該義務及/或責任是否屬於現在的或將來的，真實的或可能發生的，基本的或附屬性的，多項的或共同的，有抵押的或沒有可抵押的，及不論本人以任何身份拖欠建行（亞洲）的所有義務及責任，並且，若組合、合併、抵銷、扣除、提款、申請或轉賬涉及由一種貨幣兌換至另一種貨幣時，該外幣兌換將以當時於相關的外幣交易市場的即時外幣兌換率為準
（由建行（亞洲）最後決定）。如屬聯名戶口，建行（亞洲）可行使此條款和條件賦予的權利，運用該聯名戶口之結餘以符合一個或多個本人在建行（亞洲）的義務及責任。建行（亞洲）將在合理可行的最短時間內向本人通告有關此條款之執行。
在不影響上述之一般性原則下，如發出附屬卡，建行（亞洲）可隨時及在毋須預先通知的情況下抵銷、扣除、提款、運用及/或轉移（i）本人之一個或多個戶口中之結餘以抵償附屬卡會員在信用卡賬戶中之欠款及債務；及（ii）附屬卡會員之一個或多個戶口中之結餘以抵償他/她在信用卡賬戶中之欠款及債務。
口頭指示只能根據建行（亞洲）不時定明的程序及方式發出及接受。本人同意在合理查核身份後（i）任何由本人發出的任何口頭指示均不得撤銷；及（ii）建行（亞洲）有權根據該口頭指示行事；及（iii）任何以該口頭指示而完成之交易均對本人具有約束力，除非建行（亞洲）在處理該等交易時有任何故意失責或嚴重疏忽。
20. 通知
20.1 任何通知、要求或其他通訊可送至本人最後為建行
（亞洲）所知悉的地址或傳真號碼。書面通知、要求或其他通訊在下列情況即視為已經正式發出， 並為本人收妥；
（i） 如專人送遞，在送遞之時；
（ii） 如以預付郵遞，在郵寄日後的第3個營業日；及
（iii）如以電郵、短訊或傳真方式傳送，則在發出之時。
本人知悉建行（亞洲）可以透過電子方式通知本人有關信用卡服務之事宜。本人同意承擔以下電子方式通知之風險： 通知於傳送過程中出現未經授權的干擾或截取；資料及資訊於傳送過程中損壞或遺失；檔案、附件或通知傳送延誤或未能接收；因通知而傳播的電子病毒；檔案或資料損壞及系統故障。本人同意建行（亞洲）毋須負上或承擔任何損失或損害之責任。
20.2 在不影響以上第14.1條款的情況下，所有由建行（亞洲）發出並受本合約規限的任何賬戶、服務或收費及費用的通知或宣佈，如按以下方式處理，即被視為已有效發出，並對本人具約束力：
（i） 建行（亞洲）在其分行展示該等通知或宣佈；或
（ii） 建行（亞洲）於香港每日流通的報紙登載或展示該等通知或宣佈；
（iii）建行（亞洲）以普通郵遞方式將通知或宣佈寄往本人最後為建行（亞洲）所知悉的地址；或
（iv）建行（亞洲）以電郵方式將通知或宣佈發送往本人最後為建行（亞洲）所知悉的電郵地址；或
（v） 建行（亞洲）以短訊方式將通知或宣佈發送往本人最後為建行（亞洲）所知悉的手提電話號碼；或
23. 離開香港
如本人離開香港超過一個月，本人須於離港前預先安排支付信用卡賬戶的欠款。
24. 語言
如本合約之中文及英文文義有任何歧異，概以英文本為準。
25. 規管法律
x合約須按香港之法律所規管及詮釋。本人同意受香港法院的非專屬司法管轄權所管轄。
26. 可分割性
如任何時候本合約任何條文於任何方面是或變成不合法、無效或不能強制執行，本合約中餘下條文之合法性、法律效力及可強制執行性將不會受影響或損害。
27. 第三者權利
除本人及建行（亞洲）以外，任何人士將不可藉香港法例第623章《合約（第三者權利）條例》取得強制執行或享有本合約中任何條款的權利。
建行（亞洲）八達通銀聯雙幣信用卡之八達通卡功能使用 條款及細則
重要！使用信用卡內之八達通卡功能，須符合本條款及細則
（「本條款及細則」）及合約內所有適用條文之規定。當閣下於使用信用卡內之八達通卡功能時，須受合約內所有該等條文及本條款及細則約束。本條款及細則須與合約一併閱讀。如本條款及細則與合約有任何抵觸，概以本條款及細則為準。
1. 定義
1.1 於本條款及細則內，下述字詞具有如下含義：
「自動增值服務」指當八達通卡（或信用卡內之八達通卡功能）之儲值達到八達通不時釐定的款額時，為八達通卡
（或信用卡內之八達通卡功能）增加某個金額（該增值金額由八達通不時釐定）的增值的服務。
「自動增值服務協議」指由八達通與客戶（包括信用卡會員）就使用自動增值服務所訂立之協議。
自動增值服務作自動增值。所有透過自動增值服務增值至信用卡的金額須於主卡會員的信用卡賬戶中扣除。使用自動增值服務須受信用卡會員與八達通之
「自動增值服務協議」及/或由八達通不時訂定之其他條款及細則約束。信用卡會員不可取消自動增值服務
（除非自動增值服務與信用卡一併終止）。
2.3 如信用卡於任何情況下被終止，任何儲存於信用卡內用作八達通功能的正數或負數剩餘金額將被誌於本人的信用卡主卡賬戶，並於信用卡終止後兩個月內顯示在月結單上。本人同意（i）建行（亞洲）有權以信用卡內之八達通卡功能所儲存的剩餘金額抵償信用卡會員欠下建行（亞洲）的債務；或（ii）建行（亞洲）有權從信用卡賬戶中扣除信用卡內之八達通卡功能所記錄之欠數。
3. 電子服務
本人同意合約內給電子服務所下的定義，是指由建行（亞洲）電子渠道所提供與信用卡有關之服務（不包括與八達通卡功能有關之服務）。
4. 個人私隱
4.1 本人同意將本人之姓名、性別、出生日期、香港身份證號碼/護照號碼及聯絡資料遞交予八達通作設立及運作信用卡內自動增值服務功能之用。
4.2 本人已參閱、明白及同意接受於八達通發卡條款及自動增值服務協議中列明「有關閣下的個人資料收集聲明：關於個人資料（私隱）條例（「該條例」）的通知
（「本通知」）」。
5. 失卡責任
5.1 有關信用卡內之八達通卡功能，本人須就建行（亞洲）實際收到信用卡遺失或被竊報告後之指定期間（由八達通不時訂定及公佈）內因任何未經授權使用信用卡內之八達通卡功能所產生的任何損失負上責任。
5.2 本人同意合約中第7.2條款所述之最高負責金額並不適用於因使用信用卡內的八達通卡功能所產生的交易損失。
此要求保留最終決定權。
於折算當日採用的匯率，折算為港幣後，加上建行
兩半）。本人仍須對終止信用卡前之一切收費及費用負責。如
（ii）（只適用於銀聯雙幣信用卡）如信用卡賬戶在
18.2 留置權 － 本人授權建行（亞洲）行使留置權以接管擁有
在本條款及細則內所提及之
，乃指建行（亞洲）
8.5 退款 － 本人明白及同意就本人信用卡賬戶所退回的任何交易，不論退回、撤消、取消或無效，將誌賬於有關信用卡賬戶。
9. 月結單
9.1 月結單
（i） 一般而言，建行（亞洲）將會向本人每月發出月結單。除非在有關月結單其間內並沒有任何交易紀錄，及：
（a）（只適用於VISA及Mastercard信用卡）信用卡賬戶中的結欠少於10港元或結餘少於
（亞洲）徵收如服務收費一覽表列明的外幣交易收費
（由VISA及Mastercard向信用卡之簽發人收取），從信用卡賬戶中扣除。就VISA及Mastercard不時採用的折算匯率，本人同意接受及不作爭議。
（ii） （只適用於銀聯雙幣信用卡）除以人民幣及於中國內地進行的交易外，所有以非港幣計算的交易金額（包括以人民幣於中國內地以外之地區，包括但不限於香港及澳門進行的交易），均會根據銀聯於折算日採用的匯率，折算為港幣後，誌賬於本人的港幣卡賬戶中。就銀聯不時採用的折算匯率，本人同意接受及不作爭議。
本人在修改通知書日期起計的三十（30）日內終止信用卡，建行（亞洲）將會按比例向本人退還會員年費及任何其他信用卡有關的定期收費（如兩者可清楚區分），但如所涉金額太小則屬例外。
14.2 轉讓及豁免 － 本人同意，建行（亞洲）有權轉讓、讓出或授出其在信用卡賬戶下或本合約下之一切或部份權利及/或義務，而毋須通知本人。
15. 終止
15.1 終止
（i） 本人明白本人可於任何時候向建行（亞洲）發出
16. 資料更新
終止後尚有結餘，對於人民幣卡賬戶，本人須與建行（亞洲）作出安排，在信用卡賬戶終止日期起的六（6）個月內以直接存入本人於建行（亞洲）的其他人民幣賬戶或以建行（亞洲）所指定的其他方式取回該結餘。如本人未能在上述指定限期內取回結餘，建行（亞洲）有權（毋須給予事先通知）於本人取回結餘前，從賬戶結餘中扣除賬戶結餘收費及其他因保管該款項而產生之一切合理的行政費用。
或控制本人於建行（亞洲）存放的所有資產，（不管該資產以任何理由，或是否與一般性的銀行業務往來相關），建行（亞洲）有權變賣該資產，如有需要，更可使用其淨收入以償還本人對建行（亞洲）應履行的義務及/或責任。
18.3 其他權利 － 建行（亞洲）於第18項條文下的權利是額外及沒有損害任何由法律授予建行（亞洲）的留置權或其他權力。建行（亞洲）的權力適用於所有本人對建行
（亞洲）的債務，無論該債務或其他部份是由任何戶口或以任何形式出現。
19. 口頭指示
（vi）通過建行（亞洲）提供的電子服務就運作的交易在銀行的電子渠道上放置或展示該等通知或宣佈，無論本人是否收看或閱讀該等通知。
21. 無力履行責任
如因任何機器、資料處理系統或傳送聯繫發生故障，或由於工業糾紛或遇到非建行（亞洲）（或建行（亞洲）之代理人或次承辦人）所能控制之事情發生，以致建行（亞洲）不能履行本合約（不論是直接或間接），或本人/附屬卡會員不能使用信用卡或信用卡服務，建行（亞洲）毋須負責。
22. 不能豁免之權利
「信用卡」
八達通銀聯雙幣信用卡，並與合約內之定義相同。
「八達通發卡條款」指由八達通發佈並不時予以修訂的八達通發卡條款。
1.2 除於本條款及細則明顯列明外， 其他於合約內已定義之文字及詞句亦適用於本條款及細則。
2. 使用信用卡內之八達通卡功能
CM2018/08New
本人同意接受以下條款及細則之約束：
2.1 信用卡可作八達通卡使用。而使用信用卡內之八達通卡功能須受「八達通發卡條款」及/或由八達通不時訂定之
10港元或結餘值為零港元。
（b）（只適用於銀聯雙幣信用卡）港幣卡賬戶及人民幣卡賬戶各結欠少於10港元/10元人民幣
12. 保險
本人明白建行（亞洲）可透過其特選的保險公司向本人安排提供保險優惠，以供本人考慮。有關的推廣或宣傳資料、
不少於三十（30）天的書面終止通知書，以終止本人之信用卡。建行（亞洲）保留權利於任何時候終止本人之信用卡，而有關終止之通知將送到
如本人之個人資料有任何更改（包括地址、電郵地址及電話號碼，及本人任何財務及職業狀況之更改），本人將立即通知建行（亞洲）。
在提供信用卡服務的過程中，本人確認建行（亞洲）有權
（但並非責任）以錄音方式記錄本人所給予的口頭指示，及/或本人與建行（亞洲）之間就該服務的任何口頭通訊。
建行（亞洲）未能或延遲按本合約行使任何權利、權力或補救事宜，並不構成對該權利，或任何相同受阻之權利的單獨或局部行使，或任何其他權利、權力或補救事宜的放棄。
其他條款及細則約束。
2.2 信用卡已預設自動增值服務。信用卡內之八達通卡功能之儲值（不論是屬於主卡會員或附屬卡會員）均按
CCB (ASIA) CREDIT CARD CARDMEMBER AGREEMENT
IMPORTANT! PLEASE READ CAREFULLY AND MAKE SURE THAT YOU THOROUGHLY UNDERSTAND THE TERMS AND CONDITIONS SET OUT BELOW. IF AT ANY TIME YOU DO NOT ACCEPT ANY OF THEM, PLEASE CUT THE CARD IN HALF AND NOTIFY CCB (ASIA). THE CARDMEMBER AGREEMENT (“AGREEMENT”) COMPRISES THE TERMS AND CONDITIONS SET OUT BELOW AND THE FEE SCHEDULE. YOUR USE OF THE CARD (INCLUDING ACTIVATION OR SIMPLY MAINTAINING THE CARD ACCOUNT) WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. IF YOUR CREDIT CARD IS A CCB (ASIA) OCTOPUS UNIONPAY DUAL CURRENCY CREDIT CARD, THE CARDMEMBER AGREEMENT SHALL ALSO COMPRISE THE TERMS AND CONDITIONS FOR USE OF OCTOPUS CARD FUNCTION ON CCB (ASIA) OCTOPUS UNIONPAY DUAL CURRENCY CREDIT CARD.
1. DEFINITIONS
In this Agreement, the following words have the corresponding meanings:
“CCB (Asia)” means China Construction Bank (Asia) Corporation Limited.
“Card” means any credit card (including any replacement and subsequently renewed credit card) issued by CCB (Asia) from time to time, whether it be VISA, Mastercard or UnionPay. Where the context permits or requires, a Card includes a supplementary card. For UnionPay Dual Currency Credit Card, the Card shall comprise a HKD Card Account and a RMB Card Account.
“Cardmember” means the person to whom the Card is issued and, where the context permits or requires, includes the Supplementary Cardmember(s).
“Card Account” means the account with CCB (Asia) in respect of the Card. For UnionPay Dual Currency Credit Card, Card Account means either the HKD Card Account or the RMB Card Account or both in respect of the Card.
“Electronic Service” means the Card related services available from CCB (Asia)’s electronic channels, including CCB (Asia)’s website and mobile application software.
“Fee Schedule” means the CCB (Asia) Credit Card Fee Schedule (as amended or modified from time to time), a copy of which is available by calling the CCB (Asia) Credit Card 24-hour Customer Service Hotline at 317 95533 for VISA and Mastercard Credit Card or 317 95568 for UnionPay Dual Currency Credit Card or at CCB (Asia)’s website at xxx.xxxx.xxx.xxx.
“Fees and Charges” means the fees and charges set out in the Fee Schedule.
“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
“HKD” means Hong Kong Dollar(s), being the lawful currency of Hong Kong.
“HKD Card Account” means an account in HKD opened and maintained under the Card by CCB (Asia) for recording debits and credits in respect of the use of the Card.
“I”, “me”, “my” and “myself” means the Cardmember.
“JETCO” means Joint Electronic Teller Services Limited.
“Macau” means the Macau Special Administrative Region of the People’s Republic of China.
“Mainland China” means the People’s Republic of China excluding Hong Kong and Macau.
“Mastercard” means Mastercard International (and any successor or assign).
“OCL” means Octopus Cards Limited.
“Octopus card” means a stored value card or product issued by OCL.
“Password” means the identification made available to or selected by me and used (together with the Username) to access the Electronic Service provided by the CCB (Asia).
“Personal Data” means the personal data relating to me.
“PIN” means all personal identification number(s) selected by, me for the purpose of identifying me for certain transactions made through the use of the Card.
“RMB” means Renminbi, being the lawful currency of the People’s Republic of China.
“RMB Card Account” means an account in RMB opened and maintained under the Card by CCB (Asia) for recording debits and credits in respect of the use of the Card.
“Statement of Account” means the monthly or other statement arising from the Card Account sent to me setting out, among other things, the charges and other financial liabilities owed as at that date by me.
“Supplementary Cardmember” means any person nominated by the Cardmember and to whom a supplementary card is issued.
“UnionPay” means China UnionPay Company Limited, a joint stock limited liability company established in the People’s Republic of China.
“Username” means the user identification made available to or selected by me and used (together with the Password) to access the Electronic Service.
“VISA” means Visa International Service Association (and any successor or assign).
2. APPLICATION OF THIS AGREEMENT
2.1 I understand, acknowledge and consent that all facilities made available to me in respect of the Card or the Card Account are subject to the terms and conditions of this Agreement from time to time in force and any other applicable terms and conditions. I shall become subject to such terms and conditions (if not already so subject) by signing, activating or using the Card or permitting its use.
2.2 This Agreement shall be binding on each successor, personal representative and person lawfully acting on behalf of any Cardmember.
3. USE OF THE CARD
3.1 The Card - I shall sign and activate the Card upon its receipt and keep the Card in a safe place. I shall be liable for all losses as a result of any failure or delay in so doing. The Card remains the property of CCB (Asia) at all times and shall be returned to CCB (Asia) upon request.
3.2 PIN - I shall handle with due care any PIN or Password for use with the Card and keep such PIN and Password (if applicable) confidential. In particular, I agree:
(i) to destroy the original printed copy of any PIN or Password;
(ii) not to allow anyone else to use the Card, any PIN or Password;
(iii) not to write down any PIN or Password on the Card or on anything usually kept with or near the Card;
(iv) not to write down or record any PIN or Password without disguising it;
(v) that, whenever I choose a PIN or Password, I will not choose a number that is likely to be guessed by a third party (for example, my date of birth or the date of birth of a Supplementary Cardmember or relative or any part of any of my telephone numbers); and
(vi) not to use the PIN or Password for accessing other services (for example, connection to the Internet or accessing other websites).
I shall be liable for all losses resulting from any failure to choose a PIN or Password, or handle the Card, a PIN or Password, with due care. I agree to accept full
responsibility for all consequences, losses and/or liabilities arising or incurred as a result of the PIN or Password being known to another person for whatever reason (other than negligence of CCB (Asia)) and shall indemnify CCB (Asia) for any loss or damage reasonably incurred by it.
3.3 Validity, Expiry and Renewal - The Card shall expire on the last day of the month indicated thereon (unless terminated earlier). I must return the Card to CCB (Asia) upon request. The renewal of the Card shall be at CCB (Asia)’s discretion. If my Card is not renewed, the whole outstanding balances of my Card Account(s) become due and payable immediately. Any renewal of the Card is subject to my right to cancel the Card by giving CCB (Asia) written notice within thirty (30) days from the date of renewal.
3.4 Acceptance of Cards by Merchants - CCB (Asia) is not liable or responsible if (i) my Card is not accepted or honored by any merchant for any reason whatsoever, and/or (ii) CCB (Asia) refuses to grant credit authorization for any purchase notwithstanding the availability of credit in my favour under my Card Account. Further, I will not hold CCB (Asia) liable or responsible in respect of any product or service purchased through the Card or any benefits given to me or other persons. In case I wish to cancel any direct debit transaction(s) or authorization(s) effected in respect of the use of the Card with any merchant, I shall arrange cancellation with the relevant merchant. The existence of any claim or dispute between any merchant and myself shall not relieve my obligation to settle any sum outstanding with CCB (Asia). Subject to Clause 9 below, my failure to sign any credit card sales draft or cash advance voucher will not relieve my liability to CCB (Asia) in respect of the relevant transactions effected by use of the Card.
3.5 Credit Limit
(i) Combined credit limit for VISA, Mastercard and UnionPay Dual Currency Credit Card - I will be given a combined credit limit expressed in HKD (inclusive of a cash advance limit) which will be the maximum allowable outstanding balance in respect of all my VISA, Mastercard and UnionPay Dual Currency Card Account(s) at any time. Within such combined credit limit, CCB (Asia) may further, if applicable, determine a pre-set credit limit in respect of a Card Account.
(ii) Right to Vary - CCB (Asia) may vary the combined credit limit, the pre-set credit limit and/or cash advance limit for VISA, Mastercard and UnionPay Dual Currency Credit Card; (collectively the “Limits”) at its discretion from time to time. For details of the maximum allowable outstanding balance and/or the Limits, I may contact CCB (Asia). My Limits will be shared between me and all of my Supplementary Cardmember(s) (if applicable). I shall strictly observe such Limits. CCB (Asia) reserves the right to decrease the Limits from time to time, without prior notice to or consent from me. CCB (Asia) may at its sole discretion permit transaction to be effected in excess of the Limits and I shall be liable for such transaction and related fees and charges (including the Overlimit Fee) in accordance with the terms of this Agreement. I understand that I may elect to opt-out of the over-the-limit facilities at any time by such means as CCB (Asia) may determine. Notwithstanding the foregoing, I agree that CCB (Asia) still reserves the right to permit transaction to be effected in excess of the Limits under such circumstances as CCB (Asia) may prescribe.
3.6 Use of Card
(i) The Card is issued for my personal use and is not
transferable. I shall open and maintain the Card Account to the satisfaction of CCB (Asia). I understand and agree that certain transactions (in particular, when physical presentation of the Card is not necessary) may still be effected and charged to my Card Account(s) even if the Card is not activated. I shall still be liable for all transactions effected by use of the Card, irrespective of whether the Card is activated or not. The use of the Card is subject to:
(i) the combined credit limit or the pre-set credit limit for VISA, Mastercard and UnionPay Dual Currency Credit Card, in connection with the payment for any purchase of goods and/or services, payment for which may be charged to the Card Accounts; and
(ii) the cash advance limit set by CCB (Asia) in connection with cash advances and/or credit facilities subject to any pre-arrangement required by CCB (Asia). CCB (Asia) is entitled to determine the channel through which I can obtain cash advance by using the Card. I understand and acknowledge that prior activation (in the manner as from time to time indicated) shall be made before overseas cash advance and overseas Automatic Teller Machine (ATM) functions are available. No other person is permitted to use my Card for charges, for identification or for any other purpose. If I allow someone else to use my Card or relinquish physical possession of my Card, I will remain fully liable to CCB (Asia) for payment for all charges incurred with my Card. The Card shall not be used for payment or settlement of any unlawful transactions under any applicable law. CCB (Asia) reserves the right to decline processing or paying any transaction which CCB (Asia) suspects to be an unlawful transaction under any applicable law. I may use the Card in Hong Kong, Mainland China and such other places from time to time as determined by CCB (Asia) for purchase of product and/or service at merchants or financial institutions which are using or connected to VISA, Mastercard, UnionPay and/or JETCO systems and/or for cash advances effected at ATM(s) bearing the logo(s) from time to time adopted by VISA, Mastercard, UnionPay and/or JETCO and such other card facilities or services as CCB (Asia) may from time to time provide or arrange.
(ii) (Applicable to UnionPay Dual Currency Credit Card) I acknowledge and agree that if the Card issued to me is the CCB (Asia) Octopus UnionPay Dual Currency Credit Card, it will be equipped with the Octopus card function by OCL, any use of the Octopus card function on such Card shall be subject to the Terms and Conditions for use of Octopus card function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card from time to time in force and I agree to be bound by them upon such use.
4. FEES AND CHARGES
4.1 Fees and Charges - I agree the following Fees and Charges shall be levied on my Card Accounts. MORE DETAILS ARE SHOWN IN THE FEE SCHEDULE. I CONFIRM THAT I UNDERSTAND THESE FEES AND CHARGES.
Annual Membership Fee - Unless informed otherwise, an annual fee will be chargeable.
Benefits Fees - I agree I will be subject to the applicable terms and conditions for the enjoyment of certain Card benefits; failing which agreement, I will not be eligible to enjoy such benefits or I will be charged the relevant fees (as determined by CCB (Asia) at its discretion).
Card Replacement Fee - A card replacement fee will be charged per replacement Card.
Cash Advance Fee - A handling fee will be charged for every cash advance transaction made.
Credit Balance Refund Handling Fee - Withdrawal of any credit balance of my Card Accounts will be subject to a handling fee.
Credit Card Repayment Service Fee at Designated Payment Affiliates - A handling fee will be charged for every payment transaction made through any designated payment affiliate of CCB (Asia).
Credit Reference Letter Handling Fee - Issuance of a credit reference letter will be subject to a handling fee.
Credit Card Paper Statement Fee - A service fee will be charged per quarter if I choose to receive the paper statement.
Fee relating to Foreign Currency Transactions (Applicable to VISA and Mastercard Credit Card) - A fee will be charged for every transaction effected in a currency other than HKD.
Fee relating to Settling Foreign Currency Transactions in Hong Kong Dollars - A fee will be charged by Visa, Mastercard or UnionPay (if applicable) on a foreign currency transaction which has been simultaneously converted into HKD by an overseas merchant or a merchant registered outside Hong Kong at the point of sale.
Finance Charge - In respect of cash advance, the finance charge is calculated from the date of advance until full repayment is received. In respect of a retail purchase, if you pay the outstanding balance in full on or before the payment due date (each as shown in the Statement of Account), no finance charge will be levied. If (for a cash advance or retail purchase) the amount paid is less than the whole outstanding balance, a finance charge will be applied to the retail purchase (at the interest rate shown on the Fee Schedule) based on:
(i) the unpaid balance (shown in the previous Statement of Account) from the Statement Date immediately preceding the Payment Due Date (shown in that Statement of Account) until payment in full; and
(ii) the amount of each new transaction being posted since the Statement Date, from the transaction date until payment in full.
The applicable finance charges in respect of cash advances and retail purchases are specified in the Fee Schedule.
Foreign Currency Check Processing Fee - Foreign currency check(s) other than the specified currency of the relevant Card Account(s) (which CCB (Asia) may at its discretion accept) will be processed subject to a handling fee. For the avoidance of doubt, RMB check will not be accepted.
Late Payment Fee - If I fail to pay in full the respective “Minimum Payment” on or before the “Payment Due Date”, each as set out in the Statement of Account, in respect of any of my Card Account(s), a late charge or late charges will be imposed on each of the relevant overdue Card Account(s).
Overlimit Fee - An overlimit fee will be charged once per each Statement of Account if the outstanding balance as at the date of the Statement Date as set out in the Statement of Account exceeds the combined credit limit or the pre-set credit limit for VISA, Mastercard and UnionPay Dual Currency Credit Card.
Sales Draft Retrieval Fee - Retrieval of a sales draft copy will be subject to a handling fee.
Statement Retrieval Fee - Retrieval of a copy of a Statement of Account will be subject to a handling fee.
I agree to pay such other reasonable fees and charges as
notified by CCB (Asia) from time to time (including, without limitation, (i) fees and charges relating to the processing of cash payments; and (ii) fees and charges specified in any application form, product feature leaflet or other relevant marketing or promotional materials in relation to the Card).
4.2 Payment Order - Payment of the Fees and Charges shall be made by such means and in such manner as CCB (Asia) may from time to time specify and will be accepted subject to CCB (Asia)’s regular business practices and procedures. Any payment made shall be applied in settling my Card Accounts in the following sequence:
(i) Late Payment Fee and Overlimit Fee; then
(ii) Cash Advance Fee; then
(iii) Sales Draft Retrieval Fee, Card Replacement Fee, Credit Card Paper Statement Fee, Statement Retrieval Fee, and other Fees and Charges; then
(iv) Annual Membership Fee; then
(v) Finance Charge for cash advance interest; then
(vi) Finance Charge for interest on purchases; then
(vii) monthly installments balance; then
(viii) outstanding balance with the highest Annualized Percentage Rate (APR); then
(ix) any remaining portion to the other outstanding balances in descending order based on the applicable APR(s); then
(x) any other amount payable under this Agreement. For the avoidance of doubt, the balances under clauses
(viii) and (ix) include the amount(s) payable under promotion program(s), if any, that may be implemented from time to time, outstanding balance in respect of cash advance and outstanding balance in respect of purchases.
5. DEFAULT AND INDEMNITY
5.1 Default - If I fail to pay any amount due under this Agreement on its due date, my right to use the Card may be revoked or suspended. I shall also immediately become liable to pay the total amount charged to the Card (whether or not the purchase transactions made have been posted to the Card Accounts), including the interest, all fees and the full annual fee, late charges and other charges whether incurred in Hong Kong, Mainland China or elsewhere.
5.2 Collection Costs - If CCB (Asia) refers the collection of my Card Accounts to a collection agency and/or a lawyer, I shall be liable to pay the reasonable costs and expenses of such collection agent and/or lawyer and such other reasonable costs and expenses reasonably incurred by CCB (Asia) in recovering such payment and enforcing CCB (Asia)’s rights.
5.3 Indemnity - I shall indemnify CCB (Asia) on demand, for such amount of loss, damage, costs and expenses (including all reasonable legal and debt collection costs and expenses) which CCB (Asia) may reasonably incur by reason of any transaction effected through the use of a Card or any default by me in respect of any provision of this Agreement.
6. DATA PRIVACY
6.1 Privacy Notice - I acknowledge, confirm and agree that CCB (Asia) may and may continue to obtain, use, store, transfer and disclose (whether within or outside Hong Kong) Personal Data for such purposes and to such persons in accordance with its policies on the use and disclosure of personal data as set out in its privacy policies or any other statements, circulars, notices or terms and conditions from time to time made available by
CCB (Asia) to its customers. Accordingly, CCB (Asia) may obtain the Personal Data from, or provide the Personal Data to, among others, credit reference agencies, banks, any affiliate or group companies of CCB (Asia), government and regulatory bodies, agents, contractors, selected business partners and third party service providers and, in the event of default, debt collection agencies.
6.2 Credit Reference Agencies - I acknowledge and confirm that I am aware that, in considering my application, a credit report is obtained and considered. I acknowledge that I have the right, on request, to be informed of what information is routinely disclosed by CCB (Asia) to credit reference agencies or debt collection agencies and be provided with further information to enable me to make an access and/or correction request to the relevant credit reference agency and/or debt collection agency.
6.3 Transfer of Personal Data - Without prejudice to the foregoing, I authorize CCB (Asia) to disclose and transfer the Personal Data and the information about my Card Accounts confidentially to
(i) any third party service providers (located in Hong Kong or otherwise) to provide me with administrative services and retain such relevant records in connection with the operation of Card Accounts and marketing of Card Account services;
(ii) affiliates or group companies of CCB (Asia) or its licensees worldwide; and
(iii) to any third party whose name or logo appears on the Card worldwide.
I further authorize CCB (Asia) to use and disclose the Personal Data and the information provided in connection with my Card Accounts for the purpose of updating and/or verifying any and all of my personal information that may be held by any affiliate, group companies or agent of CCB (Asia), marketing purposes (including, without limitation, (i) the marketing of products and/or services of any affiliate, group companies or agent of CCB (Asia) and/or selected business partners; and/or (ii) the exchange of non-financial information with any affiliate, group companies or agent of CCB (Asia) and/or selected business partners) and any other purpose as CCB (Asia) may from time to time notify me.
6.4 Right to Request Access - I confirm that I am aware of my entitlement at any time to request access to information held by CCB (Asia) about my Card Accounts and update and correct such information. CCB (Asia) may impose a reasonable charge to cover the costs of complying with such requests. Requests should be addressed to CCB (Asia) and marked for the attention of the Data Protection Officer (Address: China Construction Bank (Asia) Corporation Limited, 19/F, CCB Centre, 18 Wang Chiu Road, Kowloon Bay, Kowloon).
7. LOST CARD LIABILITY
7.1 Report of Lost or Stolen Card - If the Card is lost or stolen or the PIN is known (or suspected to be known) by any other person, or if there is suspicion of any counterfeit card bearing the same account number as the Card, I will as soon as reasonably practicable report it to CCB (Asia) by calling the 24-Hour Lost Card Hotline at (000) 000 00000, or such other telephone number CCB (Asia) may specify from time to time. Any such event should also be promptly reported to the police and the police report must be produced to CCB (Asia) if requested. While I am in overseas, I should notify Visa, Mastercard or UnionPay (as appropriate) promptly.
7.2 Liability - I shall be fully liable for all transactions effected through a lost or stolen Card or through unauthorized use of the PIN or counterfeit card occurring prior to the time
the loss or theft was reported to CCB (Asia) in the manner described above, provided that if CCB (Asia) considers (in its sole opinion) I have acted in good faith and with due care and diligence and to have reported the loss or theft to CCB (Asia) and to the police in the manner described above, my maximum liability for unauthorized transactions made through the Card (not including cash transactions) before the loss or theft is reported to CCB (Asia) shall not exceed HKD500 on each occasion.
7.3 Replacement Card Fee - Issue of any replacement Card shall be at CCB (Asia)’s discretion. CCB (Asia) may charge me a fee (as specified in the Fee Schedule) for the replacement of the lost or stolen Card and debit the same to the Card Account.
I understand and acknowledge that I shall be liable for all losses suffered by CCB (Asia) if I (and/or any Supplementary Cardmembers(s)) have acted fraudulently or with gross negligence.
8. PAYMENTS
8.1 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.
8.2 Currency
(i) All my Card Account payments must be settled in the corresponding currency of the Card Account. Payment is only treated as effective once the relevant funds have been received for value by CCB (Asia). Card Account payments made by check(s) in currency that is different from the currency of the Card Account will be accepted at the discretion of CCB (Asia). The payment shall be converted into the corresponding currency of the Card Account using prevailing exchange rate adopted by CCB (Asia). I agree to accept the exchange rates without dispute. If CCB (Asia) agrees to accept such payment method, only the net amount actually received (less all applicable Fees and Charges) will be credited to the Card Account.
(ii) (Applicable to UnionPay Dual Currency Credit Card), I shall always specify clearly in respect of which Card Account(s) my payment(s) are made for settlement. In particular, all my HKD Card Account payments must be settled in HKD and my RMB Card Account payments must be settled in RMB. If payment made in HKD is for settlement of my RMB Card Account, I shall specify the payment as such in the manner as CCB (Asia) may determine from time to time.
8.3 Excess Credit
(i) CCB (Asia) shall have the right (in its absolute discretion) to refuse the payment of any sum of money into my Card Account in excess of the outstanding balance of my Card Account. CCB (Asia) may retain in the Card Account or, return to me, or apply toward offsetting against any of my indebtedness owed to CCB (Asia), by such means as CCB (Asia) may determine, any excess sum deposited in settlement of the outstanding balance of my Card Account.
(ii) (Applicable to UnionPay Dual Currency Credit Card) Subject to CCB (Asia)’s rights under Clause 18 below, any excess payment in my HKD Card Account shall not be used to settle any outstanding balance of my RMB Card Account, and vice versa, unless I request otherwise and as approved by CCB (Asia).
8.4 Refund of Excess Credit - I agree that any excess credit in my Card Account will be returned to me, upon my request, in such manner as CCB (Asia) deems appropriate, provided that such excess credit is available in the Card Account at the time of the request. I agree that CCB (Asia) shall retain the final decision in relation of such request.
8.5 Refunds - I understand and agree that any amount refunded from any transaction or otherwise recovered in relation to my Card Account(s), whether by way of return, reversal, cancellation, being void or otherwise, will be credited to the relevant Card Account(s).
9. STATEMENTS OF ACCOUNT
9.1 Statement of Account -
(i) A Statement of Account will normally be issued at monthly intervals unless there are no entries covering the relevant statement period and:
(a) (Applicable to VISA and Mastercard Credit Card) my Card Account has a debit balance of less than HK$10 or has a credit balance of less than HK$10 or has a zero balance
(b) (Applicable to UnionPay Dual Currency credit card) both of my HKD Card Account and RMB Card Account have their respective debit balances of less than HKD10/RMB10 or both Accounts have
a credit balance of less than HKD10/RMB10 or both Accounts have a zero balance.
(ii) In case I do not receive the Statement of Account (other than due to the preceding provision), I shall promptly inform CCB (Asia) by calling the hotline shown on the Card. I understand I am deemed to have received all my Statements of Account unless I inform CCB (Asia) in this way. I agree to pay CCB (Asia) in accordance with the Statements of Account, and whether I receive any of the Statements of Account or not shall in no way relieve my liability to CCB (Asia) in respect of the sums due as listed in such Statement of Account.
9.2 Errors in the Statement of Account - The entries in the Statement of Account are presumed to be true and correct unless I notify CCB (Asia) in writing of any error or omission therein within sixty (60) days from the date of the Statement Date as set out in the Statement of Account. If no error is reported within the said period, the entries in the Statement of Account are deemed to be conclusively true and correct and binding on me. I hereby waive the need for any presentation of the charge/sales drafts in proof of transactions set out in the Statement of Account.
10. BONUS POINTS, BENEFIT SCHEMES AND/OR ASSOCIATION SERVICES
10.1 Bonus Points and/or Benefit Schemes - I understand that CCB (Asia) may from time to time introduce bonus points and/or benefit schemes that apply when I use my Card. These may entitle me to benefits, services or gifts. In each case, these bonus points and/or benefit schemes operate in accordance with the terms and conditions of the relevant bonus points and/or benefits scheme.
10.2 Association Services - VISA, Mastercard or UnionPay may arrange for a package of services and privileges to be supplied to me by service providers. These services may be subject to changes from time to time with or without prior notice. CCB (Asia) is not responsible for the provision or supply of such services and does not act as service provider or as agent, representative or broker of any such service providers. Such services are provided to me without involvement, responsibility of or written agreement with CCB (Asia). CCB (Asia) does not accept responsibility for or represent or warrant the scope, quality or any other aspect of such services or service providers and shall not assume any liability resulting from or in connection with (whether directly or indirectly) such services.
11. OVERSEAS TRANSACTIONS
(i) (Applicable to VISA and Mastercard Credit Card) All transactions effected in a currency other than HKD are converted from the transaction currency into HKD based on the exchange rate adopted by VISA or Mastercard, as applicable, on the date of conversion and charged to the Card Account. In addition, all transactions effected in a currency other than HKD are subject to the Fee relating to Foreign Currency Transactions (representing the charge imposed by VISA and Mastercard on the issuer of the Card) as set forth in the Fee Schedule. I agree to accept VISA and Mastercard exchange rates as quoted from time to time without dispute.
(ii) (Applicable to UnionPay Dual Currency Credit Card) Save and except for transactions effected in RMB and transacted in Mainland China, all transactions effected in a currency other than HKD including transactions effected in RMB transacted in territories outside Mainland China, including without limitation, Hong Kong or Macau, are converted from the transaction currency into HKD based on the exchange rate adopted by UnionPay on the date of conversion and charged to my HKD Card
Account. I agree to accept UnionPay exchange rates as quoted from time to time without dispute.
12. INSURANCE OFFERS
I understand that CCB (Asia) may arrange to provide insurance offers for my consideration through its selected insurance companies. The relevant marketing or promotional materials, fact sheets and summaries provided by such selected insurance companies are for information only. CCB (Asia) has no responsibility or role in describing, endorsing or otherwise promoting such insurance products. I acknowledge that I shall address all enquiries/requests to the licensed representatives of the relevant insurance company named in such materials.
13. ELECTRONIC SERVICE
13.1 Username and Password - In connection with the use of the Electronic Service by me, I shall take all reasonable steps to safeguard and ensure the confidentiality of the Username and Password at all times. In particular, I shall not disclose any details of the Username and Password to anyone else (including to the principal Cardmember or any Supplementary Cardmember (if applicable)), or to a member of CCB (Asia)’s staff, or to anyone giving helpdesk or other assistance in connection with the Card or the Electronic Service.
13.2 Security Measures - I shall not allow anyone else to operate the Electronic Service on my behalf. I agree that I shall be bound by the terms and conditions in respect of my use of the Electronic Services provided by CCB (Asia) as set out in the relevant electronic channels of CCB (Asia) from time to time. I agree that the use of the Username and Password for the Electronic Service is adequate identification of myself. CCB (Asia), acting in good faith, is entitled to rely and act on instructions (given using the correct Username and Password via the Electronic Service) without obtaining any further written or other confirmation from me, and I shall nonetheless be responsible for all such instructions given through and my use of the Electronic Service even if those instructions are not actually given or authorized by me.
14. AMENDMENTS AND ASSIGNMENT
14.1 Amendments - CCB (Asia) has the right to amend, at its discretion, this Agreement (including the Fee Schedule) from time to time. I understand that a notice of amendment will be sent to me each time when CCB (Asia) amends this Agreement (including the Fee Schedule). Where such amendments affect the Fees and Charges and/or my liabilities or obligations, I will be given not less than sixty (60) days’ notice before such amendments take effect (unless these amendments are not within the control of CCB (Asia). My continued use of the Card and/or failure to settle the entire outstanding balance of the Card Account and all outstanding Fees and Charges after the expiration of such notice shall be deemed an acceptance of such amendments.
If I do not accept any amendment, I must terminate my Card by giving CCB (Asia) a written notice of termination within thirty (30) days after the date of the notice of amendment. CCB (Asia) reserves the right to demand return of the Card (which should be cut into halves). I will still be responsible for all Fees and Charges incurred despite such termination, provided that if the termination is effected within thirty (30) days from the date of the notice of amendment, CCB (Asia) will repay me the Annual Fee and any other card account related periodic fee (if they can be clearly separated), if paid by me, on a pro rata basis unless the amount involved is minimal.
14.2 Assignment and Waiver - I hereby agree that CCB (Asia) may assign, discount or otherwise transfer all or any part of its rights and/or obligations under the Card Accounts or this Agreement without notice to me.
15. TERMINATION
15.1 Termination
(i) I understand that I may at any time terminate my Card by giving CCB (Asia) not less than thirty (30) days written notice of termination. CCB (Asia) reserves the right at any time to terminate my Card by giving notice to my last known address. Upon request by CCB (Asia), the Card (which should be cut into halves) must be returned to CCB (Asia) after termination.
(ii) (Applicable to UnionPay Dual Currency Credit Card) My Card is terminated if either my HKD Card Account or RMB Card Account is terminated.
15.2 Effect of Termination - If for any reason my Card is terminated by me or by CCB (Asia) or my right to use the Card is revoked on my bankruptcy, death or otherwise, then:
(i) all rights and privileges (including those of any Supplementary Cardmember) shall be automatically terminated; and
(ii) the total amount charged to my Card (and every supplementary Card) whether or not the transactions made have been posted to the Card Accounts, including the interest, all fees and the full annual fee, and other charges (whether made in Hong Kong, Mainland China or elsewhere), shall become immediately due and payable without demand or notice.
15.3 Indemnity - I shall indemnify CCB (Asia) on demand, for such amount of loss, damage, costs and expenses, legal or otherwise (including all reasonable legal costs and expenses, and debt collection agent’s reasonable costs and expenses) which CCB (Asia) may reasonably incur by reason of any transaction effected through the use of a Card. Pending such repayment, CCB (Asia) will be entitled to continue charging a late charge. Continued use of a terminated Card is strictly prohibited and may be unlawful.
15.4 Closed Card Account
(i) If there is credit balance remaining after the Card is terminated, in respect of a HKD Card Account, I shall arrange with CCB (Asia) to collect any such remaining credit balance in HKD by way of direct credit to my other HKD bank account with CCB (Asia) or by such other means as CCB (Asia) may determine within six (6) months from such termination. Otherwise, CCB (Asia) may (without prior notice) deduct from such remaining credit balance all reasonable administrative costs incurred by CCB (Asia) thereafter in maintaining such monies pending my collection.
(ii) (Applicable to UnionPay Dual Currency Credit Card) If there is credit balance remaining after the Card is terminated, in respect of a RMB Card Account, I shall arrange with CCB (Asia) to collect any such remaining credit balance in RMB by way of direct credit to my other RMB bank account with CCB (Asia) or by such other means as CCB (Asia) may determine within six (6) months from such termination. Otherwise, CCB (Asia) may (without prior notice) deduct from such remaining credit balance all reasonable administrative costs incurred by CCB (Asia) thereafter in maintaining such monies pending my collection.
16. INFORMATION UPDATES
I shall promptly notify CCB (Asia) of any change in my personal information (including address, e-mail address and telephone number) and any change in my financial and employment status).
17. SUPPLEMENTARY CARDS
17.1 Liability of the Principal Cardmember - A Supplementary Cardmember shall be bound by the terms and conditions of this Agreement. I shall be fully liable for my debts and liabilities as well as all the debts and liabilities of the Supplementary Cardmember under the Card Accounts.
17.2 Liability of the Supplementary Cardmember - Each Supplementary Cardmember shall be liable for his/her own debts and liabilities under the Card Accounts but shall not be liable for my debts and liabilities or the debts and liabilities of any other Supplementary Cardmember(s). Should I request cancellation of any supplementary card, the Supplementary Cardmember and I agree to pay and be liable for all debts and liabilities under that supplementary card including after such request and until such supplementary card is surrendered to and received by CCB (Asia).
18. SET-OFF
18.1 Set Off - CCB (Asia) may, at any time without prior notice, combine or consolidate any accounts (of whatever nature, wherever situate, whether in my name solely or jointly with other(s) and whether subject to notice or not), and set-off, debit, withhold, apply and/or transfer any sum standing to the credit of one or more of the accounts in or towards satisfaction of my obligations and/or liabilities to CCB (Asia) on any other account or in any other respect whatsoever, whether such obligations and/or liabilities be present or future, actual or contingent, primary or collateral, several or joint, secured or unsecured and whether they are owed by me to CCB (Asia) in whatever capacity, and where such combination, consolidation, set-off, debit, withholding, application or transfer requires the conversion of one currency into another, such conversion shall be calculated at the spot rate of exchange (as conclusively determined by CCB (Asia)) prevailing in the relevant foreign exchange market at the relevant time. In the case of a joint account, I agree that CCB (Asia) may exercise its rights herein and apply any credit balance in such joint account in or towards satisfaction of any obligations and/or liabilities owed to CCB (Asia) by myself or by the other joint account holder(s). I understand that CCB (Asia) shall, as soon as practicable, give notice to me of any exercise of its right under this clause.
Without prejudice to the generality of the foregoing, where a supplementary card is issued, CCB (Asia) may, at any time without prior notice, set-off, debit, withhold, apply and/or transfer (i) any sum standing to the credit of any one or more of my accounts in or towards satisfaction of the debts and liabilities of the Supplementary Cardmember under the Card Account; and (ii) any sum standing to the credit of any one or more of the Supplementary Cardmember’s accounts in or towards satisfaction of the debts and liabilities of that Supplementary Cardmember under the Card Account.
18.2 Lien - I hereby authorize CCB (Asia) to exercise a lien over all of my property coming into the possession or control of CCB (Asia) for any reason whatsoever, whether or not in the ordinary course of banking or credit card business, with power for CCB (Asia) to sell or otherwise realize such property, if necessary, and apply the net proceeds to satisfy any of my obligations and/or liabilities to CCB (Asia).
18.3 Other Rights - The rights of CCB (Asia) under this Clause 18 shall be in addition and without prejudice to any lien or other right whatsoever to which CCB (Asia) may be entitled by law and shall apply to all of my liabilities to CCB (Asia), whether such liabilities or any of them arise on any account or in any other respect or manner whatsoever.
19. VERBAL INSTRUCTIONS
In the course of providing the Card services, I acknowledge that CCB (Asia) may (but is not obliged to) record verbal instructions received from me and/or any verbal communication between me and CCB (Asia) in relation to such services. Verbal instructions shall be given and will only be accepted in accordance with such procedures and in such manner as CCB (Asia) may from time to time specify. I agree that, after reasonable verification of identity, (i) any verbal instructions given by me shall be irrevocable; (ii) CCB (Asia) is entitled to act on such verbal instructions; and (iii) any transaction effected as a result of such verbal instructions shall, in the absence of any wilful default or gross negligence on the part of CCB (Asia) in processing such transaction, be binding on me.
20. NOTICES
20.1 Any notice, demand or other communication may be sent to me in writing to my last known address, by e-mail to my last known email address, by short message service to my last known mobile number or by facsimile to my last known facsimile number. Written notice, demand or other communication shall be deemed to have been duly sent to and received by me
(i) if delivered personally, at the time of delivery;
(ii) if sent by letter postage prepaid, on the third business day after posting; and
(iii) if sent by email, short message service or facsimile transmission, at the time of dispatch.
I acknowledge that CCB (Asia) may communicate with me electronically in connection with the Card services. I agree to accept the risks of unauthorized interference or interception, corruption or loss of data or information in transmission, delay or non-delivery of any file, attachment or communication, transmission of virus, corruption of file or data and failure of system. I agree that CCB (Asia) shall not be liable for any loss or damage arising thereon.
20.2 Without prejudice to Clause 14.1, all notices or announcements by CCB (Asia) in connection with any of the accounts, services or fees and charges governed by this Agreement shall also be deemed duly given or made and effective and binding on me if CCB (Asia) has:
(i) displayed the notice or announcement at CCB (Asia)’s branches; or
(ii) advertised the notice or announcement in a daily newspaper circulating in Hong Kong; or
(iii) sent the notice or announcement by ordinary mail to my last known address; or
(iv) sent the notice or announcement by e-mail to my last known e-mail address; or
(v) sent the notice or announcement by short message service to my last known mobile number; or
(vi) in relation to transaction operated through Electronic Service offered by CCB (Asia), put the notice or announcement on CCB (Asia)’s electronic channels whether or not I have retrieved or read the notice.
21. INABILITY TO PERFORM OBLIGATIONS
CCB (Asia) shall not be liable if it is unable to perform its obligations under this Agreement or if there is any failure in my/Supplementary Cardmember(s)’ ability to use the Card or the Card services due (directly or indirectly) to the failure of any machine, data processing system or transmission link or any industrial dispute or any other factor outside the control of CCB (Asia) (or of CCB (Asia)’s agents or sub-contractors).
22. NO WAIVER OF RIGHTS
No failure or delay by CCB (Asia) in exercising any right, power or remedy under this Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of the same preclude any further exercise thereof or the exercise of any other right, power or remedy by CCB (Asia).
23. ABSENCE FROM HONG KONG
If I should be absent from Hong Kong for more than one month, arrangements to settle the Card Accounts should be made prior to my departure.
24. LANGUAGE
If there is any difference between the English version of this Agreement and the Chinese version, the English version shall prevail.
25. GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of Hong Kong. I agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong.
26. SEVERABILITY
If at any time any provision of this Agreement is or becomes illegal, invalid or unenforceable in any respect, the legality, validity and enforceability of the remaining provisions of this Agreement shall not be affected or impaired as a result.
27. RIGHTS OF THIRD PARTIES
No person other than I and CCB (Asia) will have any right under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any of the provisions of this Agreement.
Terms and Conditions for use of Octopus Card Function on CCB (Asia) Octopus UnionPay Dual Currency Credit Card
IMPORTANT! USE OF THE OCTOPUS CARD FUNCTION ON THE CARD SHALL BE SUBJECT TO THESE TERMS AND CONDITIONS (THESE “TERMS AND CONDITIONS”), IN ADDITION TO ALL APPLICABLE PROVISIONS OF THE AGREEMENT. YOU SHALL BE BOUND BY ALL THOSE PROVISIONS OF THE AGREEMENT AND THESE TERMS AND CONDITIONS UPON SUCH USE. THESE TERMS AND CONDITIONS SHALL BE READ IN CONJUNCTION WITH THE AGREEMENT. IN CASE OF ANY INCONSISTENCY BETWEEN THESE TERMS AND CONDITIONS AND THE AGREEMENT, THESE TERMS AND CONDITIONS SHALL PREVAIL.
1. DEFINITIONS
1.1 In these Terms and Conditions, the following words have the corresponding meanings:-
“AAVS” means the Octopus Automatic Add Value Service provided by OCL, which is the service of adding certain amount of value (determined by OCL from time to time) to an Octopus card (including the Octopus card function on the Card) when the value stored on the Octopus card (or pursuant to the Octopus card function on the Card) has reached a certain level determined by OCL from time to time.
“AAVS Agreement” means the Octopus Automatic Add Value Agreement between OCL and the customer (including the Cardmember) in connection with use of the AAVS.
“Card” when used in these Terms and Conditions refers to the CCB (Asia) Octopus UnionPay Dual Currency Credit Card and shall have the same meanings as defined in the Agreement.
“Conditions of Issue of Octopus” means the Conditions of Issue of Octopus published by OCL, as amended by OCL from time to time.
1.2 Unless expressly stated otherwise in these Terms and Conditions, words and expressions defined in the Agreement shall have the same meanings when used herein.
2. USE OF THE OCTOPUS CARD FUNCTION ON THE CARD
I agree that I shall be bound by the following terms and conditions:
2.1 The Card may be used as an Octopus card. Use of the Octopus card function on the Card is subject to the Conditions of Issue of Octopus and/or other terms and conditions laid down by OCL from time to time.
2.2 The Card is linked to the AAVS and the value stored pursuant to the Octopus card function on the Card (irrespective of whether it is for the principal Cardmember or Supplementary Cardmember) shall be automatically reloaded through the AAVS. All value reloaded to the Card through the AAVS shall be charged to the Card Account of the principal Cardmember. The use of the AAVS on the Card is subject to the AAVS Agreement between the Cardmember and OCL and/or other terms and conditions laid down by OCL from time to time. I shall not cancel the AAVS (unless the AAVS is terminated together with the Card itself).
2.3 If the Card is terminated for whatever reason, any positive or negative remaining value of the Octopus card function as stored on my Card will be posted into my Principal Card account. This will be reflected on the monthly statement within two months after the Card is terminated. I irrevocably agree that (i) CCB (Asia) may apply any positive remaining value of the Octopus card function as stored on the Card in or towards satisfaction of any outstanding debts owed by me to CCB (Asia), or (ii) CCB (Asia) shall deduct from the Card Account any negative balance of the Octopus card function on the Card.
3. ELECTRONIC SERVICE
I agree that the Electronic Service as defined in the Agreement shall mean the Card related services (excluding any services relating to the Octopus card function) available from CCB (Asia)’s electronic channels.
4. DATA PRIVACY
4.1 I agree that my name, gender, date of birth, Hong Kong identity card number/passport number and contact information will be submitted to OCL for the purpose of setting up and operation of the AAVS on the Card.
4.2 I have read, understand and agree with the “Personal Information Collection Statement relating to you (this “Notice”) in accordance with the Personal Data (Privacy) Ordinance (the “Ordinance”)” as contained in the Conditions of Issue of Octopus and the AAVS Agreement.
5. LOST CARD LIABILITY
5.1 With respect to the Octopus card function on the Card, I shall be fully liable for any loss arising from any unauthorized use of the Octopus card function on the Card during a specific period of time (as determined or announced by OCL from time to time) after actual receipt of the Card loss or theft report by CCB (Asia).
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