信用卡討論區（152）呢度唔係CS，睇咗頭post同terms先問
JohnSmith
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人唔喺香港，諗住用+Fun Dollar找卡數，但恆生App話只可以喺香港先用到。想問下有無人知如果用VPN翻香港，再用+fun Dollar找卡數得唔得？
你咪試下囉，反正都係要試
vpn過咗期，想confirm下得唔得先再買
點解間間行都輪流叫你review over-the-limit service?
係咪金管局又搞事
係咪金管局又搞事
係，跟要求銀行加強流動支付保安同一份 circular
https://www.hkma.gov.hk/media/chi/doc/key-information/guidelines-and-circular/2023/20230425c3.pdf
https://www.hkma.gov.hk/media/chi/doc/key-information/guidelines-and-circular/2023/20230425c3.pdf
sorry搞錯左，唔係同一份 circular
不過肯定係金管局出左 circular
不過肯定係金管局出左 circular
https://www.hkma.gov.hk/media/chi/doc/key-information/guidelines-and-circular/2023/20230620c1.pdf
呢份 circular 先岩
D. Responsible Borrowing
In order to facilitate cardholders to properly consider their card borrowing
and repayment arrangement, thus supporting their financial well-being,
banks should enhance transparency by illustrating the financial implications of different card repayment practices. Banks should also in advance notify cardholders who use over-the-limit facilities when their card spending approaches the credit limits. In addition, banks should issue reminders to cardholders who have signs of developing into persistent debt reminding them to improve their repayments and providing them with possible financial options to deal with their borrowing situations.
呢份 circular 先岩
D. Responsible Borrowing
In order to facilitate cardholders to properly consider their card borrowing
and repayment arrangement, thus supporting their financial well-being,
banks should enhance transparency by illustrating the financial implications of different card repayment practices. Banks should also in advance notify cardholders who use over-the-limit facilities when their card spending approaches the credit limits. In addition, banks should issue reminders to cardholders who have signs of developing into persistent debt reminding them to improve their repayments and providing them with possible financial options to deal with their borrowing situations.
A. Empowerment
Cardholders should have more control on the usage of their payment cards and their credit card borrowings. Banks should allow cardholders to choose whether to undertake card-not-present transactions with their cards, and if so, the limits for such transactions. Banks should also facilitate cardholders to instantly suspend their cards through Internet banking platforms (including personal computers and mobile devices) when they spot any suspicious transactions. In addition, banks should agree with cardholders on their credit limits and any subsequent increases, as well as the provision of over-the-limit facilities.
Cardholders should have more control on the usage of their payment cards and their credit card borrowings. Banks should allow cardholders to choose whether to undertake card-not-present transactions with their cards, and if so, the limits for such transactions. Banks should also facilitate cardholders to instantly suspend their cards through Internet banking platforms (including personal computers and mobile devices) when they spot any suspicious transactions. In addition, banks should agree with cardholders on their credit limits and any subsequent increases, as well as the provision of over-the-limit facilities.
屌佢老母又搞屎棍 冇野揾野搞
hsbc 果封直頭衰過騙案
要好小心睇先知一禁制就enable
我本身opt out睇前文後理完全唔會expect 粒制係寫開上限
hsbc 果封直頭衰過騙案
要好小心睇先知一禁制就enable
我本身opt out睇前文後理完全唔會expect 粒制係寫開上限
咁金管局又唔似有錯 係hsbc 出信果個錯
HSBC根本特登
請問應該點揀？
應該係不接納超過限額嘅簽帳，由得佢 reject payment?
應該係不接納超過限額嘅簽帳，由得佢 reject payment?
有比較先有傷害
啱啱收到第啲行唔會咁寫
啱啱收到第啲行唔會咁寫
睇銀行，我見過幾間銀行都係唔使做任何野就 opt out
amazon jp 冇回贈
應該opt out，如果被盜用都可以減少損失
咁都唔計網上？
日本係特別易中伏，好多日本網都唔計網購
我都係咁諗。thx
咁就唔係得Red係咁啦
我搵晒兩邊CS, 兩邊都話唔關自己事
想問係咪買到 冇reject?
啱啱交咗學生證 應該過到無問題
見到HSBC個邊都係寫APPLE.COM
見到HSBC個邊都係寫APPLE.COM
Thanks 我過兩日都試下先