Bank of China Bangkok Branch Great Wall International Credit Card User Guide

Transcription

1 Bank of China Bangkok Branch Great Wall International Credit Card User Guide How to recognize the card p. 2 How to activate the card and set up the passwords p. 2 How to use the card.. p. 3 Account Management... p. 4 Payment. p. 5 Card management.. p. 7 Applying for supplementary card.. p. 8 Revolving credit p. 8 Installed plan.. p. 8 Reward points. p. 9 1 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

2 How to recognize the card Front Chip technology Card number MasterCard sign UnionPay sign Expiration date First-last name of card holder Back Magnetic strip MasterCard Global Hologram When you receive your card, please confirm that your name on the front side of the card is correctly spelt. In case you found your name is incorrectly spelt, please contact our Customer Service Center Tel After you receive the card, please sign your name on the back of the card, which needs to correspond with your signature on the application form. Tip: In order not to get scratches or demagnetize the card, please keep it away from devices such as your stereo or mobile phones. How to activate the card and set up the passwords For new cardholder, please contact our Customer Service Center Tel to activate the card. For your convenience and security, you can make enquiries of your card information and transactions via Automatic Phone Banking Service. Please contact our Customer Service Center to set up the 6-digit password (Phone PIN) for your first time service. 2 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

3 Customer Service Center and Phone Banking Service Tel for 24 hours service Choose Credit Card Service Choose language: Thai/Chinese/English Working Hours Contact Agent: Our Agents provide services in Thai* / Chinese / English *For Thai-language service, please contact during hrs. From Monday Friday (except public holidays) Non-working Hours (Weekend and Public Holidays) Automatic Phone Banking Service: Choose the language (Thai/Chinese/English) Press 1 Activate card Press 2 Report lost or stolen card Press 3 Enquire card transactions Press 4 Set up or change ATM PIN Press 0 Contact agent (service provided for Chinese and English only) How to use the card With a credit card of Bank of China, you can easily consume first and pay the bill later. There is a maximum of a 52-day interest-free period. You can use the card globally, with any stores where there is Union Pay or MasterCard sign (depending to your card). Purchasing products or services with the credit card The amount of money consumed cannot overdraft the limit. When using your credit card, please make sure that the deduction of the amount of money corresponds with the sold note. Please confirm that the prices correspond and sign your name. Your signature should also correspond with the signature of the back of your credit card. Please keep the sale slip copy of each of your consumption for documentation. Your consumption with your credit card overseas will be transacted into Thai Baht to your account with maximum charge not exceeding 2.5% of the overseas exchange rate risk. (For 3 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

4 UnionPay card, transactions in China will be counted in RMB without charge of the overseas exchange rate risk.) Cash advance withdrawals with the credit card You can go to any branches of BOC or ATMs with UnionPay or MasterCard sign around the world (depending to your card). In Thailand, you can withdraw Thai Baht currency. For outside Thailand, you can withdraw local currency. You can withdraw cash in advance, with the maximum of 40% of your credit card limit. You can simply set up or change your ATM PIN for cash advance at any branches of BOC in Thailand or call to Customer Service Center Tel Tip: If you want to withdraw cash from the branches of BOC, you need to go in person with valid personal IDs card. Account Management The Bank will provide bill statement recording every items of your consumption so that you can clearly check the records conveniently. Bill Statement The Bank will send you bill statement by postal mail monthly. For further enquiries, please contact Customer Service Center Tel The illustration of bill statement Credit Card account information/withholding tax 2. RMB account consumption details (only for UnionPay Credit Card) 3. THB account consumption details 4. Payment information 5. Reward points 5 The statement day and payment due day The Bank sets up a statement day monthly for your credit card. Between the two statement days is called a billing period (which might be different from the calendar months). On every statement day, we calculate your transactions in the previous period. 4 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

5 The payment due day is the final date when the cardholder needs to pay back the debit from the previous transaction period. If the cardholder pays before the due day, there will be no interest charged. Cash in advance withdrawal is considered as part of the overdraft and is therefore not included in the interest-free policy. The interest will be counted as compound interest monthly by the actual debit, until the debit is paid in full. The adjustment of the credit card limit Temporary adjustment of credit card limit o You can contact Customer Service Center Tel to apply for the adjustment of the credit card limit. o The temporary adjustment does not apply to the limit of cash withdrawal and installment payment. o The temporary adjustment is available in 30 days at maximum, and will automatically reverse 30 days later. o Payment for the consumed amount of the temporary adjustment credit limit must be made in full together with interest and/or any fee charges within the temporary adjustment period or within the statement due date Permanent adjustment of credit card limit o After holding the credit card for six or more than six months, you can apply for a permanent adjustment of credit card limit by calling Customer Service Center Tel or go in person to any branch of BOC in Thailand. o The Bank will adjust your credit card limit according to the history of your credit card usage, your payment records and the latest financial income statement that you provide us. The Bank will contact you to inform the result. Otherwise, please contact Customer Service Center. Payment Payment in full and the minimum payment Payment in full: It refers to pay back in full of the listed amount of money before the payment due day. If you choose to pay in full, there is an interest-free of 52 days in maximum with non-cash transactions. The minimum payment: It refers to the lowest amount of the money the cardholder needs to pay by the due day. The minimum payment is counted as the following: The consumed amount of money within the credit limit 10% (+) the amount of the cash in advance 10% (+) the unpaid minimum amount from the previous period 100% (+) the amount of the over limit of consumption 100% (+) all expenses and interest 100% (+) installment x 100% (=) the minimum payment 5 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

6 If you choose the minimum payment, you can still use the revolving credit, but not the interest-free service. Payment in cash You can go to the counters at any branch of BOC in Thailand and other channels provided by the Bank to pay in cash by the payment due day. Remark: Please be aware of your payment due day. The overdue unpaid money will thus generate overdraft interest and will affect your credit records and the normal usage of the credit card. Please be aware of paying in time. Automated payment If you have already opened a saving account at the branches of BOC in Thailand or had the Great Wall International Debit Card credit cards issued from BOC Bangkok Branch, you are able to apply for the automated payment for the credit card under your name, and the automated payment will be processed by the payment due day. For the Union Pay card, you can choose either to pay by RMB or Thai Baht separately or to pay in full by Thai Baht. Application for automated payment Contact Customer Service Center Tel Go to any branch of BOC in Thailand to apply in person The bylaws of automated payment In case the deduction is invalid, please make sure that the outstanding balance of the saving account is enough to pay the amount billed in the statement. BOC remains the right to the refusal of automated payment due to the unbalance of the account, wrong numbers of the credit card or account, the discrepancy of the IDs, abnormal accounts, etc. After the automated payment is verified, we will prompt the appointed account number in the bill statement. Please check up. The automated payment will require the cardholder s application in person. The supplementary cardholder is not allowed; its payment is corresponded with the primary cardholder. Payment by cheque You can make the payment by cheque to the payee Bank of China Limited, Bangkok Branch and write down the cardholder name-surname and the 16-digit credit card number on the back of the cheque. Please make the payment by cheque at least 2 working days in advance prior payment due date. 6 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

7 Card management If you accidently lose your credit card, please report the loss promptly. If you damage or demagnetize your credit card, please apply for a new one. If your credit card is about to expire, the Bank will send you a new one. Report the loss of credit card or reissue a new one If your credit card is accidentally lost or stolen, please call Customer Service Center Tel to report the loss. Reporting by phone is considered officially and we will send you a new card after formal confirmation. If the primary card is reported lost, the supplementary card is still valid, and vice versa. Report the loss of credit card in overseas Please contact Customer Service Center Tel or go to any branch of BOC nearby to report the loss promptly. (You can visit for BOC branch locations.) Replacement of a damaged card If your credit card cannot be used due to damage or demagnetization, please contact Customer Service Center Tel so that the Bank can send you a new one. Please cut off the damaged card after you have received the new one in case any confusion is caused. Any risks aroused are therefore out of our responsibility. Replacement due to the expiration of the old card The Bank will issue and send you the new card within a month prior to its expiration. Tips: If you do not intend to get the new card, please inform the Bank 50 days before the expired date. Otherwise it is considered that you are willing to continue using the credit card and paying for the annual fee. If you do not receive the new card by the expired date, please call Customer Service Center Tel Cancellation of the account If you need to cancel your credit card, you are required to inform the Bank in written to Customer Service Center or any branch of BOC in Thailand. Tips: After you apply for pre cancellation, you cannot consume with your credit card or cash in advance with it, but the payment is still available. If there is a balance, you can close the account at the bank counter 45 days after the pre cancellation. After 45 days of the pre cancellation of the account, if there is no balance, we will automatically close your account. No procedures need to be performed. If the primary card is cancelled, all of its supplementary cards are cancelled as well. However, the cancellation of supplementary cards does not affect the validness of the primary card. The pre cancellation needs to be performed by the primary cardholder, including the pre cancellation of supplementary cards. 7 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

8 Applying for the supplementary cards You can apply for supplementary cards for your family members. The applicant needs to be 15 years old or above. Please offer detailed information in your application form, and both the primary cardholder and supplementary cardholder need to sign on the application form. Please send the completely filled application form, the copies of the IDs of both the principal and supplementary cardholders and other related documents to any branch of BOC in Thailand. The cards will be sent to you after approval. The supplementary cardholders share the same credit limit with the primary cardholder, and the limit of the supplementary card can be set individually. Revolving credits The revolving credits are one kind of small amount loans without the needs of warrant. We approve the revolving credit line for you. Within this limit, you can use your credit card to consume or cash in advance. For the part that you already pay, we will therefore restore the relative limit for you automatically. Installment plan For more convenience and ease of payment the consumption with the cards, you can apply for an installment plan for transaction installment or bill installment at your choices. The installment period for your choices are 3, 6 and 6 months with the very special rate offer. Moreover, you can also enjoy earn extra points from the installment plan. You can simply apply by calling to Customer Service Center Tel during hrs. from Monday to Friday (except weekend and public holidays) Bill Installment You can apply for the installment for the whole bill after the latest bill statement is sent and 3 days before the payment due day. The installment amount must not less than 5,000 Thai baht or 1,000 Chinese RMB. Transaction Installment If your single consumption is over 3,000 Thai baht or 600 Chinese RMB, you can apply for an installment plan between 3 days after the transaction and at least 3 days before the statement day. The bylaws of the installment The cash in advance, expense and the interest cannot be installed. Installment is allowed only for cardholder s account status is normal. The temporary increased credit card limit and the balanced of the account cannot be transacted with installment. You will need to pay back monthly by the payment due day until it is paid in full without interest charge. The installment fee is charged according to the Bank announcement The charged fee is not refundable for fully paid up the installment amount before the installment periods and/or any other circumstances. The Bank reserves the right to deem the approval of installment application Terms and conditions are applied and are subject to change without prior notice 8 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch

9 Reward Points You can enjoy collection of reward points, simply by using your credit card and happily redeem points for rewards specially selected for you. You can simply earn 1 point for each 5 Thai bath spent using a Gold or Classic card and receive 2 points when using a Platinum card. (For UnionPay credit cards, 1 Chinese RMB is equivalent to 5 Thai baht.) You will earn extra points when applying the installment plan, earn 1 extra point for every 5 Thai baht paid under the plan; applicable to every credit card type. The bylaws of reward points Points are calculated from each card holder s spending on goods/services in Thailand and overseas. However, the merchant providing the goods/service must fall under the terms and conditions determined by the Bank. The point collection is with the exception of cash advances; all fees and penalties; interest charged; purchase of investment funds/ltf/rmf; and purchase cancellations and returns. Points will be automatically calculated each month according to that month s transactions. Point balance will be updated on monthly credit card bill statement. For card holders of Gold and Classic cards, earned points will be valid for 2 years from the end of the point collection period of the year (the time period of point collection during the year runs from 1 July to 30 June the following year). For example, all points earned during 1 July 2011 to 30 June 2012 will expire on 30 June For Platinum cards, points have no expiration date. Other terms and conditions are applied and subject to change or cancel without prior notice. 9 Great Wall International Credit Card User Guide, Bank of China Bangkok Branch