Credit Card Security Advice

Credit Card Security Advice

• Using and protecting the card
• Please check the SMS notifications of your credit card transactions carefully, and report any unauthorised or unusual transactions to the Bank immediately.
• Do not sign credit card sales slips without an amount.
• Properly keep all the credit card sales slips / statements in a safe place, or destroy them.
• Do not disclose your credit card information to promotion agents through telemarketing, public computers or promotion stalls.
• Do not disclose your credit card information in non-secured web sites,
  e-mails or hyperlinks.
• Sign your card at the signature panel as soon as you receive it.
• Properly keep your credit card in a safe place.
• Do not allow anyone to use your credit card.
• Do not disclose casually the one-time password for credit card payments to prevent theft of accounts.
• If you receive a "One-time Password" sent by the Bank, you must check carefully the contents of the SMS including the payee details, merchant name, transaction amount or transaction nature, and avoid using the auto-fill function of mobile devices or computers, which may result in passwords being sent directly to fraudulent websites for illegal transactions.
• Please report to the Bank promptly if you notice or suspect that your credit card/PIN has been stolen, lost, used without authorisation or if there is any leakage of information by calling the Bank´s 24-hour hotline at (852) 3768 8811, in order to minimise possible loss and to avoid any chance of improper use of your card.
• When a renewal card is received, cut the old credit card into halves and dispose it.
• Protecting the Personal Identification Number (PIN)
• Destroy the PIN advice after you have memorized your PIN.
• Do not allow anyone to use your PIN or disclose your PIN to anyone.
• Do not keep your PIN together with your credit card in the same place.
• Do not write your PIN on your credit card.
• Do not write down or record your PIN without disguising it.
• Do not use your identity card number, telephone number, date of birth, driving license number or popular number sequences (such as 123456) when choosing your PIN.
• Do not use your PIN for accessing other services (such as connection to the Internet, accessing other web sites or emails, etc.).
• Do not leave your security device (including mobile phone with soft token installed or mobile phone used for receiving one-time password) unattended. Enable biometric authentication (e.g. fingerprint or facial recognition) or passcode lock and set up auto-lock of security devices.
• Protecting sensitive personal or financial information
• Protect your sensitive personal or financial information carefully. Be cautious of potential fraudulent website requesting for your personal or financial information, such as in performing credit card online transactions.
• Take the initiative to verify the identity of the information requesting party through other channels like telephone, to avoid theft of your personal or financial information.
• Ensure you are connected to the trusted websites before providing your personal or financial information to third parties.
• Report to the Bank immediately in case of any suspicious situation.
• Using Chong Hing Bank Credit Card in Digital Wallet

"Digital Wallet" means any electronic device installed with an electronic format of your Chong Hing Bank Credit Card ("Mobile Card"), which allows the use of your Chong Hing Bank Credit Card without presenting the Card in plastic card form;

“Eligible Chong Hing Bank Credit Card” means any credit card issued by Chong Hing Bank Limited alone or in connection with any other Person to a Cardholder, and of the types specified by us from time to time are eligible for the Mobile Card services, which includes a Principal Card, a Supplementary Card, a replacement Chong Hing Bank credit card, and a renewed Chong Hing Bank credit card. We have the right to specify and vary the types of credit cards that are eligible for the Mobile Card services.

"Mobile Contactless Transaction" by enrolling the Chong Hing Bank Credit Card as a Mobile Card in a Digital Wallet, authenticating and (i) tapping or waving the Mobile Card at a merchant's contactless-enabled point of sale terminal or reader ("Contactless Payment Reader") or (ii) using such Mobile Card for in-app purchase and/or digital commerce payments, you authorize payment for the merchant’s products or services on that Mobile Card.

"Security Details" means the security information designated by the Cardholder that is used to access the electronic device and make payment, including all personal identification numbers, passwords, fingerprint or other biometric or identification credentials.

"We", "us", "our" and “the Bank” refer to Chong Hing Bank Limited, the issuer of your Chong Hing Bank Credit Card.

You are responsible to take reasonable steps to keep each of the electronic devices safe and keep all Mobile Card details stored in the electronic devices and all Security Details secret to prevent fraud. Without prejudice and in addition to the provisions of the Cardholder Agreement regarding the security of any Mobile Card or PIN, you shall also take the following precautions where reasonably practicable or accept the risks and consequences of the electronic devices being used by unauthorized persons or for unauthorized purposes:

• Register, activate and use the Mobile Card for effecting the Mobile Contactless Transactions in accordance with the directions and in the manner specified by the relevant Digital Wallet provider.
• DO NOT choose any personal identification number, password or passcode that is easily accessible personal information or is easy to guess by any other person.
• DO NOT disclose any Security Details to any other person (including the staff of the Bank) or permit any other person (including the staff of the Bank) to use them.
• DO NOT allow any other person to designate his/her security information for the Digital Wallet or to use the Digital Wallet in any other manner for effecting Mobile Contactless Transactions.
• Safeguard against accidental or unauthorized disclosure of any Security Details, and change the Security Details periodically or where necessary.
• Safeguard the security of the Mobile Card and electronic device and keep them under personal control, and report to the Bank of any loss or theft of the Mobile Card or electronic device or any suspected unauthorized transaction or use of the Mobile Card for any unauthorized purpose or disclosure of the PIN to any unauthorized person as soon as reasonably practicable in writing or call our 24-hour Report Lost Card Hotline at (852) 3768 8811 to report.
• DO NOT click any suspicious hyperlink or visit any suspicious website.
• Notify the Bank if you noticed any suspected unauthorized transaction or do not receive a Statement according to the usual statement mailing cycle.
• Remove the Mobile Card and all Mobile Card details stored in the electronic devices in accordance with the directions and guidance given by the relevant Digital Wallet provider before disposing, repairing or ceasing to use the electronic devices refer to the security advice provided by the Bank and/or Digital Wallet provider from time to time and observe in a timely manner the relevant security measures in using the Credit Card for effecting Mobile Contactless Transactions as specified by the Bank online or otherwise from time to time.
• If you also agree to notify the Bank immediately for any change to my/our personal information including but not limited to address, email address and phone number(s).
• You shall download and store only your own biometric credentials on the electric device. If you activates biometric authentication for accessing Digital Wallet with fingerprint, facial data or any other biometric credentials of any other person, any access, transfer or transaction effected by using such biometric credentials shall be treated and deemed to be made and/or authorised by you.
• Do not store anyone else’s biometric credentials on the electric device, and only use your own biometric credentials to use Digital Wallet, as otherwise, a person who is not authorised by you may be able to use Digital Wallet on the electric device to conduct transactions
• Do not allow any other person to Provision any Credit Card or otherwise store any Mobile Credit Card on an electric device which does not belong to you.
• You are solely responsible for ensuring that the electronic device and other equipment are compatible with and capable of supporting the request for the activation and use of the Mobile Card stored in the electronic devices for effecting Mobile Contactless Transaction.

• Other security advice
• Check the card statements upon receipt and report to the Bank immediately for any unusual transactions.
• If you find any illegal skimmer, video camera or abnormal accessories in the ATM machine, report to the Bank immediately.
• If you find trace of your mails (including card statements) being damaged or opened, report to the Bank immediately.
• To ensure that the Bank can promptly notify you of any important notification with credit card, please remember to provide the Bank with your latest contact information.
• Please safeguard your credit card, credit card information, sensitive personal information and personal identification number (including ATM PIN and One-Time Password), and pay attention to the preventive measures recommended by the Bank from time to time. You will be liable for the unauthorised transaction(s) if you do not duly follow the preventive measures recommended by the Bank from time to time, for example you failed to safeguard your credit card, credit card information, sensitive personal information and personal identification number due to negligence, or ignored the transaction alert from us.
• To learn more about the latest scam alerts, please visit the Anti-Deception Coordination Centre’s website: www.adcc.gov.hk/en-hk/alerts.html
• In particular, you can search “Credit Card Alert” in the search field in the above website, to view the alerts on latest and/or popular card fraud and scams.
• Please click the below link for the educational video published by the Hong Kong Monetary Authority YouTube channel: www.youtube.com/watch?si=hNJdueE4ugmQnFog&v=lAzG6kA5Ejo&feature=youtu.be