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Bank of China Creit Card


 

Introduction

Bank of China Credit Card is a dual-currency credit card issued by Bank of China, featuring such revolving credit functions as consumption before repayment, grace period, and the minimum monthly payment. Conforming to international standards, it can be used at any appointed partners or ATMs connected with Visa, MasterCard or China UnionPay networks both at home and abroad.

Functions

1. Reliable safeguard by quintuple guarantees

? Safe use by password plus signature

Customers can choose "signature" or "password plus signature" for safer card payment via our considerate service.

? SMS prompt

Bank of China offers SMS prompt services including real time transaction notification and direct debit reminder to help customers track the status and transaction update of their credit cards.

? Fraud detection and telephone alert

With the advanced fraud detection system, Bank of China will call the customer to confirm if his/her card is lost or stolen immediately after detecting any suspicious transactions to ensure card safety.

? Risk-free loss report

In case of loss or theft of credit cards, customers are recommended to promptly call customer service hotline of Bank of China Credit Card. For any transaction incurred after the valid loss report, Bank of China will assume relevant liabilities.

? Secured travel with non-cash transactions

Customers can make payments just by swiping Bank of China Credit Card without cash involved, avoiding potential dangers caused by carrying cash during shopping and traveling.

2. Five methods of wealth management

? Grace period

Bank of China Credit Card provides a grace period of 20 to 50 days for the biggest possible convenience and benefit for customers.

? Revolving credit

With revolving credit, customers only have to repay the minimum payment amount for statement of each month, fully enjoying the credit and easy wealth management.

? Easy-buy installment

Bank of China provides customers with flexible "Easy-Buy Installment" in addition to merchant and mail installments. Customers are not restricted to appointed partners or goods any more. They only need to make a phone call to apply for this simple and convenient installment payment plan. Simple procedures for easy wealth management and happy life!

? Daily discounts

The network covers exclusive preferential merchants engaging in catering, entertainment, shopping, leisure, fitness in China's mainland, Hong Kong and Macau, providing customers with 10-80% discount, dignified membership treatment, complimentary services as well as exclusive shopping hour and preferential stores for membership.

? Reward points

Every RMB 1 spending or withdrawal through Bank of China Visa Olympics Credit Card will earn one point. For various gifts, please log on to the bank's website to check the "reward points 365" program for reward points and gifts of Bank of China's credit cards.

3. Considerate service for a comfortable life

? ATM cash withdrawal/inquiry/password reset

Customers can carry out such transactions as RMB withdrawal and available balance inquiry on Bank of China ATMs or ATMs with UnionPay logo in China. Customers can also reset their passwords on Bank of China ATMs.

? Global acceptance

Customers can use Bank of China UnionPay credit card, VISA card and Master card at more 20 million UnionPay, VISA and MasterCard networked merchants in more than 300 countries.

? Cash advance

In China, customers can withdraw RMB by password at Bank of China outlets or ATMs, or on ATMs of other commercial banks with UnionPay logo.

When abroad, customers can withdraw local banknotes and apply for cash advance on ATMs with UnionPay or Visa logos across the world.

? Easy repayment by direct debit

Just by calling Bank of China 24-hour customer service hotline 4006695566, customers can, through automatic voice or operator service, easily apply for the direct debit service of "full payment" or "minimum payment amount" with Bank of China current passbook (all-in-one account), Great Wall Debit Card or Great Wall RMB Credit Card, thus realizing smart wealth management and convenient repayment without complicated procedures over the counter.

? Card upgrading

If customers own Bank of China standard credit card, by regular assessment based on such conditions as their annual consumption amount, overdraft and so on, Bank of China may upgrade qualified the standard card to gold card.

? Permanent/temporary adjustment of credit line

Customers can apply for permanent or temporary credit line adjustment by calling the customer service center. The customer service center will complete the credit line adjustment upon approval and notify the customers. Temporary credit line adjustment, up to a term of 30 days, is not applied to cash withdrawal.

? Emergency cash disbursement and card replacement

Bank of China Credit Card also provides the service of emergency cash disbursement and card replacement within China. Customers can apply to the customer service center for express delivery service.

? Supplementary card shared by family

Customers can apply for supplementary cards for their family, of which the credit line can be shared with the principal card. A usable credit line can also be set according to their actual needs.

? Universal service with global network

With 14,000 outlets and overseas branches in 20 countries and regions, Bank of China provides customers with considerate and universal services throughout the world.

? Keeping updated on account activities

Customer can inquire about the current balance, balance available, credit line and other relevant information of their cards via 24-hour customer service hotline 4006695566, website www.boc.cn, ATMs with UnionPay logo, or counters of Bank of China for timely repayment.

Bank of China Card Management Center will deliver the statement to the designated address of customers within three days from the statement date of each month, so that customers can check their transactions in time.

Target Customers

Chinese citizens aged 18 or older with full capacity for civil conduct and stable legitimate income, foreigners with Residence Permit in China and compatriots from Hong Kong, Macau and Taiwan, can apply for Bank of China City Card at the local branch.

Procedure

The following documents are required for card application:

1. Identity documents: Bank of China accepts the principal card applicants aged between 18 and 65 and supplementary card applicants aged 16 or older.

For domestic residents: a copy of valid ID card or interim ID card (both sides), or military ID card;

For foreign nationals:

① Valid passport;

② Copy of Residence Permit for Foreigners, or copy of Residence Permit for Foreigner attached to the visa page in the passport or copy of Permanent Residence Permit for Foreigners;

For citizens from Hong Kong, Macau and Taiwan: a copy of Mainland Travel Permit for Hong Kong and Macau Residents, Hong Kong and Macau Compatriot Home-visiting Permit or Mainland Travel Permit for Taiwan Residents.

2. Evidence of permanent residence (Any of the items below):

Copy of Hukou card (book);

The water, electricity and gas payment voucher of the latest three periods;

The fixed-line telephone payment voucher of the latest three periods;

Dormitory evidence issued by the employer;

House Lease Contract (Agreement);

Self-owned property certificate;

Payment voucher for residential property management fee;

Residence certificate issued by the community office;

Credit card statements for the latest two months or the individual income tax payment certificate for the latest three months;

Other supporting documents which can testify to the permanent residential address.

3. Financial status documents (Any of the items below):

Regular payroll or income proof of the latest three months issued by governmental institutions or enterprises (company seal or department seal required);

Copy of passbook/statement for agency salary payment issued by the agent bank (with salary information of the latest three months);

Copy of individual income tax payment certificate for the latest three months;

Copy of withholding certificate for social security payment;

Copy of self-owned property certificate;

Copy of certificate/passbook of bank time deposit and current deposit;

Copy of purchase certificate for fund, T-bond and corporate bond (with the buyer's name, account number and account balance);

Copy of membership cards and the like, including: golf membership card, China Mobile/China Unicom VIP card, Air China platinum, gold and silver membership cards, China Southern Sky Pearl gold and silver membership cards, Eastern Miles Club gold and silver membership cards and so on. (with cardholder name and validity of the card).

Customers can submit the application form to the counter of Bank of China outlets or post it to: P.O. Box 808, Beijing 100037.

Download the Application Form

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