⚠️ Important Cardholder Notice & Risk Warning
- Transaction Decline & Card Cancellation Risks
Consecutive Decline Limit: 5 or more consecutive declined transactions may trigger the bank’s risk control system, resulting in immediate card cancellation.
Once canceled, the card can no longer be used, and no refunds or reversed funds will be accepted.
⚠️ Protect Your Card Information:
Do not disclose card details (card number, cardholder name, expiration date, security code, etc.) to anyone, and do not lend your card to others.
Leakage or unauthorized use may lead to asset loss and liability for high chargeback fees.
⚠️ Important Reminder on Card Status:
Transaction failures caused by card suspension or freezing will still incur chargeback fees.
Please cancel unused subscriptions in a timely manner.
- Negative Balance Handling Mechanism
If the card balance is insufficient to cover charges, reversals, or fees, the balance will become negative.
Failure to top up and repay the negative balance within a reasonable period will trigger risk control and result in card cancellation.
- Balance Management Recommendations (Anti-Decline Guide)
- Sufficient Buffer: Ensure the card balance exceeds the expected transaction amount by 3%–5%.
- Residual Balance: Maintain a minimum balance of 0.5–1 USD after transactions.
Avoid “zeroing out” the card to prevent transaction failures due to insufficient funds for fees or cross-border charges.
Transactions ≤ 500 USD are fee‑free:
Transaction fees will be refunded on the 30th of each month.
