2.KeepthereceiptAfterpayingwiththeKinscreditcard,youareadvisedtoaskforandtoproperlykeepthereceiptuntilthetransactioniscorrectlyrecordedintoyouraccount.WesuggestyoukeepthereceiptforatleasthalfayearincaseofanydisputesofpurchasesunderyourKinscreditcard.
3.ProceduresforgoodsreturnIfyoufindthegoodspurchasedwiththecreditcardtobeunsatisfactoryandwanttoreturnthemforarefund,youneedtonotifythemerchantoftheproblemandthenpresentthemerchandisetothemerchantaswellasyourcreditcardandreceipt.Themerchantwillnotrefundcashtoyou,butABCwillreturnthepaymenttoyourcreditcardaccountprovidedthemerchantagreestore-acceptthemerchandise.Thefollowingfactorsmayresultinthefailureofyourtransactionwithcreditcard:(1)Thepurchasepriceexceedsyouravailablelimit,inwhichcase,youcanusethecardonlyafterrepayment,oryoumaycallourcustomerservicehotlinetoinquireastothecardstatusandmakearequesttotemporarilyraisethecreditlimit.(2)ThePOSterminalbreaksdownorthecommunicationlineisbusy,inwhichcase,youcanconsultwiththemerchanttoputthroughthetransactionbasedonamanualauthorization.(3)Themagneticstripeonthebackofthecardisdemagnetizedordamaged,inwhichcase,pleaseapplyforareplacementcardatouroutlets.
TipsforCreditCardUseAbroadSafetyDuringyourstayabroad,youareadvisedtomaintainthecreditcardandthepasswordseparately.Furthermore,youareadvisedtorecordyourcardnumberelsewheretofacilitatelossreportingincaseoflossortheft.Whenusingyourcardabroad,especiallyinSoutheastAsia,pleasemakesurethecardisinyourviewandpayspecialattentiontothecashiertoavoidunauthorizedtransactionsinyouraccount.
ConsumptionCashiersinsomecountriesorregionsmayrequestyoutopresentyourvalididentitycertificateforyourtransactions.Toensuresmoothpaymentwithcreditcard,pleasetakealongyouridentitycertificate(suchasapassport)forverificationpurposes.ABCwillchargeaninternationalsettlementfeeforyourpaymentsabroadaccordingtotherelevantregulationsoftheinternationalorganization.
LossReportingIncaseoflosingcardabroad,youcanreportthelossortheftinthefollowingways:Youcancallourcustomerservicehotlinetoreportthelossortheft,andthefeeforlossortheftreportingwillbeautomaticallydeductedfromyouraccount.Asthislossortheftreportingmethodgeneratesalowercommissionthanthatforthefollowingmethod,andthetwomethodshavethesameeffect,wesuggestyouselectthismethod.YoucanalsocalltheoverseasemergencyhotlineofMasterCardorVISA(seeAppendixII)accordingtothelogoonyourcardtoreportthelossortheft.Thecommissionforoverseasemergencylossortheftreportingwillbeautomaticallydeductedfromyouraccount.
EmergencyCashAdvanceIfyourcardisdamagedorlostorstolen(alossortheftshallbereportedfirst)duringyourstayabroad,andyouneedtowithdrawcash,youcancalltheoverseasemergencyhotlinetoapplyforemergencycashwithdrawal.Thecommissionforoverseascashadvanceandfeesforoverseasemergencycashwithdrawalwillbeautomaticallydeductedfromyouraccount.
EmergencyReplacementIfyourcardisdamagedorlostorstolen(lossortheftshallbereportedfirst)duringyourstayabroad,andyouwanttoapplyforreplacementinalocalplace,youcancalltheoverseasemergencyhotlinetoapplyforanemergencycardreplacement.Thecommissionforoverseasemergencyreplacementwillbeautomaticallydeductedfromyouraccount.Thenewcardisvalidforashortperiod,thusisonlyatemporaryreplacementcard.YoumustapplyforareplacementoranewcardatouroutletsafteryourreturntoChina.
TipsforCardUseinHongKongandMacaoInHongKongandMacao,youcanmaketransactionsatcharteredmerchantsandATMswiththelogoofUnionPay,VISAorMasterCard.Thebillingcurrencyvariesfordifferentlogos.Forexample,thebillingcurrencyforUnionPayisRMB,whileforVISAandMasterCard,itisUSD.