 |
Standard Chartered Credit Card Application – Important Notes
- By making an application, you should have read and accept all terms and conditions set out in this application form, its accompanying leaflet (if applicable) as well as all terms and conditions stated in the Customer Terms and the applicable documents referred to in Part A of Customer Terms, and the Credit Card Terms, highlights of which are appended in this application (“banking agreement”) and you agree to be bound by them and any variation Standard Chartered Bank (Hong Kong) Limited (the “Bank”) makes to its banking agreement.
- The income requirement for Visa Platinum/Platinum MasterCard is HK$150,000 per annum and that for Visa Gold Card and Titanium MasterCard is HK$60,000 per annum each. If you have multiple Standard Chartered Credit Cards, you shall have one approved credit limit which is to be shared among all Standard Chartered Credit Cards. Total monthly transactions of all your Standard Chartered Credit Cards will also be consolidated into one statement.
- The Bank may have obtained a credit report on the customer and any of its sureties from a credit reference agency in considering any application for credit. In the event the customer or any of its sureties wishes to access the credit report, the Bank will advise the contact details of the relevant credit reference agency.
- The Bank reserves the right to request the applicant to provide supporting document for Credit Card approval purpose.
- The Bank reserves the right to offer an alternative type of Standard Chartered Credit Card instead of the Card you apply. In respect of applicants for the Visa Platinum Card / Platinum MasterCard, if the relevant income or other requirement cannot be met, your application may be considered as a Visa Gold Card / Titanium MasterCard application.
- The approval of the Credit Card is subject to the final decision of the Bank.
- Any benefit offer (or welcome gift) for successful application is subject to availability and the Bank may change such offer at its discretion from time to time without notice to you.
- You may enquire about the status of your application by using the Credit Card 24-Hour Customer Service Hotline at 2886 8868. Where your application is approved, before using the Card, you will need to activate the Card by using the Credit Card 24-Hour Automated Phone Enquiries System designated by the Bank for such purposes.
- You have read and understand the Bank's “Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance ("Ordinance") and the Code of Practice on Consumer Credit Data” (“Notice”) which is available to you at any of Standard Chartered branches and/or on Standard Chartered website at http://www.standardchartered.com.hk and forms part of its banking agreement. You agree that all information provided by you in connection with this application (including personal information) may be used and disclosed to such persons (whether in or outside Hong Kong) and for such purposes as set out in the Notice.
- The Bank reserves the right to amend the contents and all the terms and conditions contained in this leaflet at any time.
- In case of inconsistency between the applicable terms and conditions on one hand and the provisions within the application form or this leaflet, the former shall prevail.
- In case of inconsistency between the English and the Chinese versions, the English version shall prevail.
Highlight of the banking agreement (including Credit Card Terms):
Important Notes: You are suggested to read carefully the entire banking agreement. Your attention is particularly drawn to the following major terms and conditions:- The terms of our banking agreement apply to the use of your credit card. If you do not agree with those terms, you may wish to terminate your credit card in accordance with the procedure in the Credit Card Terms.
- You must comply with the activation procedures we notify you from time to time.
- You must ensure that only the person issued with a credit card uses it.
- You are liable for all transactions made using your credit card or the card number on such credit card. You are also liable for all transactions made using a supplementary card or the card number on such supplementary card.
- You must ensure that your credit limit is not exceeded.
- You must pay the interest, fees and charges that apply to your credit card.
- You must pay at least the minimum payment due or minimum monthly repayment as set out in your statement. You remain liable to us even if you do not receive your periodic statement.
- The minimum payment due shall be the aggregate amount of items as set out in the Credit Card Terms or any minimum amount as set out in the tariff sheet, whichever amount is higher.
- If we do not receive your balance owing for your credit card on or before the due date set out in your statement, we may charge you (subject to any grace period in accordance with our usual practice or applicable law) the applicable involuntary charges, which we may debit from your account.
- We (and any other member of the Standard Chartered Group) may set off any amount we (or any other member of the Standard Chartered Group) owe you against any amount you owe us (or any other member of the Standard Chartered Group) (whether or not the obligation is matured or contingent). We (and each other member of the Standard Chartered Group) may also combine or consolidate all accounts. If we (or any other member of the Standard Chartered Group) combine accounts, any credit funds held by you in your accounts will be applied to adjust the amount owing by you in relation to your other accounts. We (and each other member of the Standard Chartered Group) may do so at any time (even if you are not in default).
- If we do not receive the minimum payment or minimum monthly repayment on or before the due date, you must pay for the applicable involuntary charges. You may not use your credit card until the minimum payment or minimum monthly repayment has been paid and we may suspend the use of your credit card.
- Despite any other term of our banking agreement, subject to applicable law, we may at any time demand immediate payment of any amounts you owe us.
- If you think there is an error on your statement, you must notify us with details of such error within the period specified in the statement. If you do not do so, we will treat the statement as correct.
- If you are not comfortable with any changes we make to our banking agreement, you may terminate your credit card in accordance with the procedure in the Credit Card Terms.
- If your credit card or any supplementary card is lost or stolen, you will be liable for the use of the credit card and any supplementary card until such time you notify us that the card is lost or stolen. However, your liability will be limited to HK$500 if you have not acted fraudulently or with gross negligence and you have complied with the Security Procedures set out in our Customer Terms.
- You are liable for your failure and that of any supplementary cardholder in complying with our banking agreement.
- If you or we end the account for a credit card, subject to any applicable law, you must immediately pay all amounts owing to us in connection with the credit card and any supplementary card.
- You may be liable for any transaction made using a supplementary card until it has been returned or until we are able to implement our procedures applicable to lost cards. We may impose any charges incurred from implementing such procedures.
- Our Customer Terms include additional provisions relating to your liability to us and exclusions or limits on our liability.
Terms and Conditions for Welcome Gift and extra HK$100 city'super Shopping Voucher
- The welcome gift and extra HK$100 city’super Shopping Voucher (“Welcome Offer”) are applicable to Principal Card applicants who have submitted the application form 18 March until 31 July 2013 (the “Promotion Period”) and successfully applied for Standard Chartered Platinum Card / Titanium MasterCard / Visa Gold Card (“Eligible Customer”).
- To be eligible for the Welcome Offer, Eligible Customer has to submit application by entering mobile web page of the Bank via QR code as printed on designated promotional materials of Standard Chartered Credit Card and Harbour City Joint Promotion within Promotion Period, and successfully apply for the Principal Card of Standard Chartered Credit Card.
- At the time of credit card approval, applicants who currently hold or in the past 6 months have cancelled any Principal Card of Standard Chartered Credit Card or MANHATTAN Credit Card are not eligible for the Welcome Offer.
- To be eligible for one of the welcome gifts and extra HK$100 city'super Shopping Voucher, each successful Principal Card applicant is required to spend HK$4,800 or more with the newly approved credit card within the first two months upon card issuance.
- 20” Trendy Foldable Bike
- NESCAFÉ® Dolce Gusto® Piccolo Capsule Coffee Machine (Matt Black)
- HABA ION MY ESTHE II (redeem at a special price of HK$288 or get it free with successful application of 2 Principal Cards from 2 New Customers)
- HK$400 city’super Shopping Voucher
- Eligible transactions for spending requirement are retail purchases (including both local and overseas transactions), online purchase or posted amount of instalment purchase. Non-eligible transactions include but without limitation to cash advances, gambling tokens, insurance payment, Octopus Automatic Add Value Service, bill payment (including but without limitation to tax and utilities payment) via Internet / ATMs / Phone Banking Services or other available means, unposted / cancelled / refunded / falsified / unauthorized transactions.
- A redemption letter will be sent to the eligible Principal Card applicant within 2 months after the spending requirement has been met. Upon receiving the redemption letter, Principal Card applicants can redeem the welcome gift by presenting the original copy of redemption letter and the newly approved credit card at the designated redemption centres. Details of the redemption procedures will be set out in the redemption letter. Extra HK$100 city’super Shopping Voucher will be sent to the successful Principal Card applicant together with the redemption letter.
- Once the welcome gift is chosen, it cannot be exchanged for alternative. Principal Card applicant will receive HK$400 city’super Shopping Voucher if no preference has been indicated. If more than one welcome gift has been indicated, the Bank will select one for the Principal Card applicant.
- Welcome Offer is available on a first-come-first-served basis while stock lasts. The Bank reserves the right to offer an alternative gift as replacement in case of shortage.
- Welcome Offer is not transferable, returnable or redeemable for cash.
- Cardholders are required to keep the relevant credit card sales slips or online purchase records for inspection and in case of disputes, for investigation by the Bank. Sales slips or online purchase records submitted to the Bank for inspection or investigation will not be returned to the Cardholder.
- If customer who has already redeemed the welcome gift cancels the card during the period of one year from the date of new card issuance, the Bank reserves the right to charge the customer an administration cost of HK$500 for each card cancellation.
- Cardholders understand and accept that the Bank is not the supplier of the products/services offered in this promotion. The Bank shall have no legal liability relating to any aspect of the products/services including, without limitation, their quality and the supply. The use of the products/services is subject to the terms and conditions as stipulated by the supplier (if applicable).
- Employees of the Bank are not eligible for the Welcome Offer and extra HK$100 city'super Shopping Voucher.
|
|
