牡丹国际借记卡章程

牡丹国际借记卡章程 ICBC peony international debit card regulations The first peony international debit card issued by the ICBC, can be used at home and abroad, with RMB and a designated foreign currency in two currencies, with consumption, transfer, settlement and access to cash and other functions. Second ICBC branch of peony international debit card business, special units and peony international debit card holders must comply with these regulations. Third peony international debit card according to the brand into the peony peony two visa and mastercard. Fourth peony international debit card can be in special units and designated outlets, domestic and foreign organizations accept credit card points. Fifth individuals who have full capacity for civil conduct and have a stable income can apply to the card issuing agencies for their international debit cards based on their valid identification papers and relevant information. Article sixth where the use of transaction password, credit card issuers are regarded as the cardholder, electronic information recording is generated based on the password and other electronic information for all kinds of settlement exchange are valid credentials for the transaction. Where a transaction is not conducted in the form of a password, a transaction certificate signed by the cardholder is registered as the valid evidence of the transaction. A card issuing institution has the right to debit its account with the receipts and expenses of the peony international debit card. The funds of the RMB account of the seventh peony international debit cards can be deposited in the cash of the cardholder, or transferred into the funds with their income, personal legal service income, return on investment and so on. Peony international debit card foreign currency account can the cardholder's deposit or foreign currency cash from its foreign exchange account (including foreign currency into account). The transfer and deposit of the account shall be handled in accordance with the administration of individual foreign exchange administration of the State Administration of foreign exchange. When foreign currency banknotes are collected at home and abroad, they shall be handled in accordance with the individual foreign exchange control system of the People's Republic of China. Peony international debit card account deposit in accordance with the provisions of the people's Bank of Chinese RMB or foreign currency deposit rate of interest, and by the issuing agency in accordance with the law on behalf of the withholding tax on interest. Eighth cardholders can special units within the territory of consumption, in the designated outlets (including other commercial bank or ATM ATM) on the extraction of Renminbi cash between other RMB account and I apply for transfer business, the use of RMB settlement account. The cardholder can in the domestic and international credit card organization accepts the point of consumption or cash, designated outlets withdraw foreign currency cash in the territory, or with my other foreign currency account for the transfer of business, the use of foreign currency account settlement. RMB accounts and foreign currency accounts can not be mixed. Ninth cardholders use peony international debit card outside, should be limited to the service trade under the payment, shall not be used for capital investment and trade, and shall not be used for illegal transactions prohibited by international law and behavior. Tenth cardholders with cards and passwords designated in the territory of ATM withdrawals, you can only withdraw RMB cash, the maximum daily desirability of 5 times, the cumulative amount of not more than 5000 yuan. The card holder uses peony international debit card overseas, The amount of cash payable on the same day may not exceed $1000 or equivalent foreign currency, and the amount of cash payable within the same month shall not exceed $5000 or equivalent foreign currency. Eleventh peony international debit cards must not be overdrawn. If an overdraft is caused by an overseas bank or a special institution or an overdraft occurs due to transaction fees, the issuer shall have the right to withdraw the overdraft from the cardholder and to freeze the use of the card. The card can only be used normally when the cardholder has paid the overdraft. Twelfth peony international debit card is valid for eight years, the first year of the annual fee for the cardholder in the first payment by credit card issuers from the cardholder's account to deduct, after the annual fee for the first year of the annual fee on a daily basis, when sufficient balance by the issuing mechanism automatically deduct. If the card expires and needs to be continued, the cardholder shall apply for the replacement of the new card. Thirteenth the issuer shall provide consulting, inquiries, complaints, report the loss, on the transaction card monthly payment on the bill to the cardholder (with the exception of the cardholder otherwise agreed) and other services to the cardholder on the transaction and accounting of the query and correct requirements, shall give a reply within 30 days after the date of acceptance. Fourteenth peony international debit card I only use, can not be leased or lent; not to dispute with special units refused to pay the money owed by the issuer. Fifteenth cardholders of the communication address, telephone number, address and other changes, should promptly in writing or other forms of mutual approval to inform the issuing agency for change procedures. Otherwise, the issuer shall not be held responsible for the consequences arising out of it. Sixteenth if the card is damaged, the cardholder must cancel the account after re apply for a new card. Seventeenth cardholders lose peony international debit card, should promptly go to the nearest ICBC business outlets for written loss or telephone loss report. The cardholder shall not be liable for any transaction occurring after the completion of the loss reporting procedure. If you need to reissue a new card after reporting the loss, you may apply for the reissue procedure with the written application for loss reporting and your valid identification card. Where the eighteenth cardholder fails to comply with the present rules, the issuing institution has the right to cancel the cardholder's qualification and may authorize the relevant unit to withdraw its peony international debit card. The Nineteenth Amendment of the articles of association or peony international debit card interest rate adjustment, China approved by the Banking Regulatory Commission newspaper within 30 days after the announcement, the cardholder since the date of the announcement 60 days, you can choose whether to continue to use the peony international debit card; do not continue to use the peony international debit card, the card issuer in accordance with the the proportion of the return of the annual fee, and apply for cancellation procedures. Article twentieth these Regulations shall be formulated and interpreted by the ICBC, and shall be implemented after approval by the China Banking Regulatory commission.