Product Name
Great Wall International Credit Card
Product Description
Worldwide Acceptance
You can use your card to pay for goods and services in the UK and abroad wherever you see the VISA sign.
Easy and Secure Electronic Transactions
Your card enables you to make payments online and over the telephone. You may be asked for the CVV number, which is the last 3 digits on the back of your card and your billing address (please make sure the address you quoted is the same as we you gave us for our bank record. However, it is NOT necessary to provide your PIN for non face-to-face transactions, but some websites will require you to provide the “One Time Only” verification code sent to your preregistered mobile number on file.
Convenient Cash Advance
You can withdraw cash at any ATM and bank branch displaying the VISA sign all over the world. The notes you obtain outside UK will be in local currency.
Subject to charges including Cash Advance Fee and Currency Conversion Fee. Please refer to the Personal and Non Personal Accounts Tariff of Banking Charges for further information.
Online Enquiry
Online credit card transactions enquiry via our internet banking service (For personal account only), you will however need to set up this service in person with your account holding branch
Subject to relevant terms and conditions including the Internet Banking Terms and Conditions and our approval. Please contact one of our branches for further information.
Short Message Services (SMS) Alerts
To ensure you are in control of your credit card spending and combat third parties’ fraud, our bank offers free of charge SMS messaging services to alert you of or confirm your recent credit card activities. You may also receive SMS messages for recurring transactions (such as monthly subscriptions). These alerts generally happen at night or early morning. If unsure, please contact the bank for details. It also alerts you of any changes of card status and repayment status.
Product Features
Up to 50 days of interest free period (including cash advances) if you pay your balance in full and on time every month and have no arrears.
For our personal classic card, there is no annual fee charge, the standard interest rate is 17.1% per annum, the APR is 18.50%.
For our personal gold card, there is no annual fee, the standard interest rate is 12.7% per annum, the APR is 13.50%.
For our business card, the annual fee is ￡40, the standard interest rate is 12.7% per annum, the APR is 20.1%.
Application Requirements
Subject to status. To be eligible for a Great Wall International Credit Card, you must:
1. Be aged 18 or above for the main card.
2. Be aged 16 or above for the additional card.
3. Hold an existing bank account with Bank of China (UK) Limited with no previous unsatisfactory account operating history, default payment or bad debt.
4. Be in employment and/or have a regular income.
5. Reside in the United Kingdom.
6. General Credit Card Conditions apply.
Application Procedures
1. Please download, complete and sign a ‘Great Wall International Credit Card Application Form’ from our website. You can also request a paper form from any Bank of China (UK) Limited branch.
2. Please visit any of our branches with the application form and other required documents.
Required Documents
Please provide us with your valid ID, current bank statement for the last three months and proof of employment (or proof of income). We may ask you to provide additional documents depending on the circumstances of your application.
Important Information
Lost/Stolen Card
If you lose your card, or it is stolen, or you notice unauthorised transactions on your account, please telephone020 7282 8763 (if calling from the UK) or on (+44) 20 72828763 (if dialling from overseas) as soon as possible. You are not liable for any money taken from your account once you have reported the loss or theft.
Damaged Card
Please contact +44 (0)20 7282 8763 if your card is worn or damaged. We will arrange a replacement card for you. We will charge ￡5 for each replacement card that we provide.
Renewal Card
Your renewal card will be sent to you before your card expires. If you have not received your renewal card by the card after expiry date, please contact us on +44 (0)20 7282 8763.
The Chip & PIN Protection
At retailers and ATMs, you will be asked to key your 4-digit PIN into a keypad. Do not let anyone see which numbers you press. Please keep your card away from magnetic sources such as security devices, mobile phones, hi-fi speakers, microwaves etc, as your chip may become defective and unlikely to work properly.
Fraud Monitoring
We monitor card transactions 24/7. We may contact you if your card transactions appear to be abnormal, e.g. a large amount, overseas transactions, or retailers not normally used by you.
"If you don't pay off any outstanding balance in full, interest and late fees will be charged. If you make only the minimum payment each month, you will have to pay interest in the outstanding amount, and it will take you longer to clear your balance."
