银行商务信用卡客户协议

CREDIT CARD CUSTOMER AGREEMENT

 

TABLE OF CONTENTS

Instruction填写说明

Article I. Corporate Credit Card第一条：商务信用卡

Article II. Applying Entity / Cardholder / Contact Person

第二条：申请单位、持卡人以及联系人

Article III. Application for Corporate Credit Card第三条：商务信用卡申请

Article IV. Approval & Assessment of Credit Limit第四条：批核及信用额度评估

Article V. Usage of Corporate Credit Card第五条：商务信用卡的使用

Article VI. Renewal & Replacement of Corporate Credit Card

第六条：商务信用卡更新及更换

Article VII. Bank Statement & Statement Address

第七条：账户对账单及对账单地址

Article VIII. Repayment第八条： 还款

Article IX. Collection for Repayment & Set-off第九条：欠款催收及抵欠

Article X. Cancellation of Corporate Credit Card第十条：商务信用卡注销

Article XI. Termination of Agreement第十一条：协议的终止

Article XII. Special Requirements第十二条：特别需求受理

Article XIII. Others第十三条：其它

Article XIV. Validity of the Agreement第十四条：本协议的效力

Appendix CARDHOLDER AGREEMENT  附录：持卡人协议

 

Instruction填写说明

1. Both parties should read the articles carefully before signing. The contract shall be valid at it is signed. Both parties shall implement strictly.

2. The contract shall be valid after signing by the legal representative party (or authorized person), and affixing with the official seals by both parties.

3. Blank columns shall be written clearly after negotiation. Please fill a "/" in the blank columns which need not to fill in.

4. The unaccomplished matters shall be specified in the contract, or conclude supplementary agreement separately. The supplementary agreement shall be fulfilled as the attachment of the contract.

5. The contract shall be filled out by pen, legibly, concisely and accurate, and shall not be altered without authorization.

一、双方在签订本合同时，应认真阅读本合同书。本合同一经签订，即具有法律效力，双方必须严格履行。

二、本合同必须由甲方的法定代表人（或者委托代理人）和乙方亲自签章，并加盖单位公章方为有效。

三、本合同中的空栏，由双方协商确定后填写清楚；不需填写的空栏，请打上“/”。

四、本合同的未尽事宜，可在本合同中列明，或另行签订补充协议；另行签订的补充协议，作为本合同的附件，与本合同一并履行。

五、本合同书用钢笔填写，必须字迹清楚、文字简练、准确，不得擅自涂改。

 

 With regard to application and usage of the Corporate Credit Card, as well as the matters concerned, the agreement below is signed by and between the applying entity for the Corporate Credit Card (hereinafter “The Entity”) and China Guangfa Bank Co., Ltd (hereinafter “The Bank”):

商务信用卡申请单位（以下简称“单位”）以及银行股份有限公司及其分行级专营机构（以下简称“银行”）就商务信用卡申请、使用及有关事宜，签订协议如下：

 

Article I. Corporate Credit Card第一条：商务信用卡

1. The Corporate Credit Card is one kind of credit card, which is issued openly to the society by The Bank and can be used both inside and outside of China. The Entity will be authorized with some certain integrated credit limits, and the repayment can be made after consumption within the credit limit.

商务信用卡是银行向社会公开发行的，给予申请单位一定综合授信额度，单位的持卡人可以在信用额度内先消费后还款，可在中国境内或境外使用的信用卡。

 

2. The Corporate Credit Card is one kind of dual-currency credit card, which takes RMB and USD as settlement currency. The card validity is five years.

商务信用卡是以人民币和美元为结算货币的双币信用卡，卡片有效期为五年。

 

Article II. Applying Entity / Cardholder / Contact Person

第二条：申请单位、持卡人以及联系人

 

1. The Entity shall be one independent legal entity. The Entity can be one LLM (limited liability Company), one corporation limited, one state organ or one institution, or a PRC registered branch of a foreign company.

商务信用卡申请单位必须是独立法人实体，性质可为有限责任公司、股份有限公司、国家机关、事业单位或外国公司在华登记的独立法人实体。

 

2. The cardholder is the employee of The Entity, using the single account of Corporate Credit Card only for the business purpose of The Entity, under the authorization by The Entity. The cardholder shall be over 18 years old and have the completely civil capacity.

持卡人是经商务信用卡申请单位授权，仅为单位营业目的而使用单个商务卡账户的单位正式员工。持卡人须年满十八周岁并具备完全民事行为能力。

 

3. The Entity should bear repayment liability for the debt in the Corporate Credit Card account, and for any debts incurred from using the Corporate Credit Card, including but not limited to the principal, interest, handling fee, penalty and so on, The Bank has the right to claim the payment from The Entity.

申请单位须对商务信用卡账户中的债务承担偿还责任，银行对使用商务信用卡所产生的一切债务，包括但不限于本金、利息、手续费、违约金等向单位追偿的权利。

 

4. Contact person is the designated person responsible for business contact on behalf of The Entity with The Bank in the Corporate Credit Card project. The contact person may ask The Bank to provide the corresponding services within the scope of his/her authority. The Entity shall designate one honest and liable person as its contact person. In case of any loss incurred by deception or embezzlement of the contact person, The Entity shall be liable for the loss. Furthermore, the contact person shall keep confidential the personnel data in the application form. The Entity shall be liable for any consequence due to the unauthorized disclosure of the personal identification data. The Bank shall be notified by The Entity, in written or in other agreed format, when The Entity designates or changes its contact person.

联系人是在商务信用卡项目中代表单位与银行进行业务往来的专门人员，有权在其权限范围内要求银行提供相应服务。单位必须指定诚实可靠的人员作为其联系人，因联系人欺诈、舞弊等导致的损失由单位承担。同时，联系人务必对申请表中填写的个人资料进行严格保密，由于身份核实信息泄漏造成联系人被冒充所引发的一切后果由单位负责。单位指定或者更换联系人，须以书面或双方认可的其他形式通知银行。 

 

5. The Bank also shall be notified by The Entity, in written or in other agreed format, if The Entity needs to cancel or add the qualification of some cardholders.

单位若需要取消或增加部分持卡人的持卡资格，应由单位以书面或双方认可的其他形式通知银行。

 

6. The Entity shall inform The Bank to cancel the card in time, if one cardholder quits or is terminated. The Entity’s liability to reimburse all the previous transactions before the cancellation of the card shall not be affected by the termination of employment contract between the cardholder and The Entity.

持卡人辞职或被解雇，单位应及时通知银行注销其卡片；持卡人与单位间劳动合同的解除不影响单位对注销卡片前所有交易承担偿还责任。

 

7. In case of any disputes in transactions between The Entity and the cardholder, they shall negotiate for settlement by themselves. The debts of Corporate Credit Card shall not be refused to reimburse due to these reasons.

单位与持卡人若存在任何交易争端，应自行沟通解决，不得依据此理由拒绝偿付商务信用卡欠款。

 

Article III. Application for Corporate Credit Card第三条：商务信用卡申请

1. The Entity and the cardholder shall provide true, complete, detailed and valid information. The Bank has right to consult, collect, obtain and keep any data related with the assets and the credit status of The Entity and the cardholder, from the relevant parties. No matter whether the Corporate Credit Card is approved, these data, including the application forms and their attachments filled in by The Entity and the cardholder shall be kept by The Bank. The Bank needs not to return the above data; however, The Bank promises to keep confidential of these data about The Entity and the cardholder.

单位及持卡人应按银行要求提供真实、完整、详细、有效的资料。银行有权向任何有关方面咨询、收集、取得、持有任何与单位及持卡人财产和资信状况相关的资料。这些资料，包括单位及持卡人填写的申请文件及附随文件，不论商务信用卡申请是否获得批核，将由银行保留，银行无需退还。银行承诺对上述单位及持卡人资料保密。

 

2. During the term of this agreement, in case of any modification in the data mentioned above including but not limit to address ,cell phone NO., ID Card NO and other information above, The Entity and the cardholder shall inform The Bank to ask for the modification in time. The Entity and the cardholder shall be liable for the losses due to the untrue data, the incomplete data, or the untimely modification of data.

本协议存续过程中，上述资料如包括但不局限于通讯地址、电话号码、身份证号码等资料如有变更，单位及持卡人应及时通知银行申请修改。因客户提供资料失实、不详尽或资料修改不及时导致的损失，由单位及持卡人承担。

 

3. During the term of this agreement, The Bank will have the right to review, at anytime, the data concerned with the relevant parties, in order to confirm the credit conditions of The Entity.

本协议存续过程中，银行有权随时向有关方面复查有关资料，以确定单位的资信状况。

 

4. The Bank may provide the above data to the financial industry association, the social credit organizations or the other financial entities upon written consent of the unit, in accordance with the needs in credit search or other investigation. The Bank has right to disclose the above data upon appropriate legal procedures, under the requirements of judicial authorities, financial regulators or other governmental authorities.

银行可根据资信状况调查或案件调查的需要，在征得单位书面同意后，将上述资料提供给金融行业公会、社会征信机构或其它金融机构；银行亦有权根据司法机关、金融监管机关或其它行政机关的要求，依照法定程序，向上述机关披露有关资料。

 

Article IV. Approval & Assessment of Credit Limit第四条：批核及信用额度评估

1. The Bank has the right to decide whether the card will be issued, as well as the limit of credit to be authorized. According to the credit conditions of The Entity, The Bank also has the right to decide whether the deposit will be necessary for The Entity, as well as the amount of the deposit. The Entity is applying in the      kind of way（exclusive choice）:

银行有权决定是否发卡及授予信用额度的大小。根据单位资信状况，银行亦有权决定单位是否需交存保证金，及保证金数额。单位采用以下第     种方式办卡（单选）：

 

(1) Paying guaranteed deposits (applying to Appendix Credit Card Pledge Guarantee Contract (The Entity))

(2) Taking up current fund credit of The Entity in China Guangfa Bank

(3) Other guarantee approved by The Bank (please fill in)                     

(1)交存保证金（按附录三《信用卡保证金质押合同（单位）》执行）

(2)占用单位在银行的流动资金敞口授信额度

(3)银行认可其他的担保方式（请填写）                

 

2. When the Corporate Credit Cards are opened in The Bank, the total limit of integrated credit of The Entity will apply to all of its Corporate Credit Cards. The Entity may ask The Bank to adjust the authorized credit limit of individual card, within the allowed scope of the integrated credit limit.

同一单位在我行开立的所有商务信用卡都受到此单位的综合授信总额度的限制，在综合授信总额度范围允许内，单位可要求调整单张卡片的授信额度。

 

3. The Corporate Credit Card and its credit limit are the properties of The Bank. The Bank will keep the right to freeze, cancel or terminate the card and its services, or to adjust the credit limit, according to the requirements in operational management and risk control. The Bank needs not to bear the losses incurred to The Entity as result of the above conduct.

商务信用卡及其承载的信用额度是银行财产，银行有权根据经营管理和风险控制的需要，冻结、取消、终止卡片及提供的服务，或对信用额度进行调整。银行不需承担因此对单位造成的损失。

 

Article V. Usage of Corporate Credit Card第五条：商务信用卡的使用

1. The Entity shall distribute the Appendix I Cardholder Agreement to each cardholder. In case that the cardholder defaults or violates the terms of use, The Entity shall be liable for such breach.

单位应同时将附录一《持卡人协议》分发给每位获发商务信用卡的持卡人，若持卡人未能履行或违反该使用条款，单位须承担责任。

 

2. Transactions of the cardholder within or outside of China shall be settled by RMB or USD according to the regulations of CUP (China Union Pay), as well as the regulations of The Bank and the receipt bank.

持卡人在境内外的交易，须遵守中国银联、银行和收单银行等机构的有关规定，以人民币或美元进行结算。

 

3．The Corporate Credit Card cannot be used to withdraw cash. Neither domestic currency nor foreign currency shall be deposited in the Corporate Credit Card account in cash, by The Entity or by the cardholder.

商务信用卡不可以提取现金。单位或者持卡人不允许以现金形式在商务信用卡账户中存入本外币资金。

 

4. All the transactions of the Corporate Credit Card shall be consented by The Bank. The Bank will reserve the right for such consent.

一切商务信用卡交易须获银行许可，银行有权保留该许可权。

 

5. In case of any dispute in transactions between the cardholder and the merchant, the two parties shall solve the problems by themselves. The Bank shall not take the responsibility for this dispute. The Entity or cardholder shall not refuse to repay debts under the Corporate Credit Card due to such dispute. The Entity and the cardholder shall not claim for refund from The Bank, by returning the goods purchasing with the Corporate Credit Card.

持卡人与商户等之间发生的交易纠纷，应由双方自行解决，银行无需对此负责，单位或持卡人不得以此拒偿还因使用商务信用卡交易所产生的债务。单位及持卡人不得以退还使用商务信用卡交易取得的货物等方式向银行索取退款。

 

6. Regarding to any loss incurred by embezzlement or false usage within 48 hours prior to report of the credit card loss, the cardholders should send the application and supporting documents to the Bank and claim the loss within 45 days after the occurrence of loss. The Bank will compensate to the cardholder the debts incurred within the limit of the card after confirming the loss. Transaction with password and online transactions are not included in the card loss protection program. The card loss protection will be cancelled automatically if there is a continuous period of 6 months without a transaction occurring. The specific details of the card lost protection program shall apply to The Bank’s latest announcement.

对于商务信用卡丢失或失窃后在挂失前48小时内发生的由于被盗用或过错使用而造成的损失，客户可在被盗用交易后发生45天内将失卡保障申请材料邮寄至银行，经审核属实，银行在该信用卡的限额内补偿。保障范围不包括须使用密码的交易和网上交易。如连续6个月没有发生交易的卡将自动取消失卡保障功能。失卡保障具体细则以银行最新公布为准。

 

7. In using the Corporate Credit Card, The Entity and the cardholder shall abide by the laws of PRC and the national policies, as well as the regulations about bank card transaction and foreign exchange control issued by the financial regulators and other governmental authorities.

单位或持卡人使用商务信用卡，需遵守中华人民共和国法律和国家政策，遵守金融监管机关或其它行政机关关于银行卡交易、外汇管制等的有关规定。

 

 

 

Article VI. Renewal & Replacement of Corporate Credit Card

第六条：商务信用卡更新及更换

 

1. The Bank has the right to decide whether a renewed card shall be issued to replace the expired card. The Bank also holds the right to decide whether to replace the card which is reported loss, falsely used, or is in doubt of deception.

银行有权决定是否向单位发放更新卡以取代其过期卡，有权决定是否向客户更换其挂失、被冒用或怀疑有欺诈问题的卡。

 

Article VII. Bank Statement & Statement Address

第七条：账户对账单及对账单地址

1. Concerning the active Corporate Credit Card, The Bank will issue monthly statements to The Entity as well as the cardholder. The Consolidated Statement will be sent to the contact person of The Entity, while the Individual Statement will be sent to the cardholder. As the basis of the integrated repayment of The Entity, the Consolidated Statement will list the overall accounts information and the balance of each account for The Entity during the term of this statement. In order for the cardholder to check one’s transactions, the Individual Statement will list the billed transactions as well as other information for the cardholder during the term of the statement.

对非静止状态的商务信用卡，银行将每月定期向单位及持卡人发出对账单，向单位联系人寄送综合对账单，向持卡人寄送个人对账单。综合对账单作为单位统一还款的依据，将列明单位本账单周期内总体账户信息和各持卡人账户余额状态。个人对账单上将列明本账单周期内持卡人账户所有入账的交易和其他资料，以供持卡人核对消费交易。

 

2. The Address on the Statements will be based on the address provided by The Entity and the cardholder. In case of overseas address, The Bank will deduct the relevant post fee from the Corporate Credit Card account. If the statements are not received in time by The Entity or the cardholder, inquiries shall be made to The Bank. The Entity shall not refuse any expenses caused by the Corporate Credit Card by the reason of failure in receiving the statements.

对账单地址以单位及持卡人向银行提供的地址为准，若该地址在境外，银行将在其商务信用卡账户内扣收相应邮资。如单位或持卡人未能按时收到对账单，应及时向银行查询。单位不得以收不到对账单为由，拒偿因使用商务信用卡产生的任何应偿款项。

 

3. The Entity and the cardholder shall carefully check the statements in time. In case of any objection about the listed transactions, the objection shall be submitted within forty days after the transaction date. Otherwise, The Entity and the cardholder shall be deemed to have accepted all the transactions.

单位或持卡人应及时、认真核实对账单内容，若对所列交易有异议，应自交易入账日起四十日内提出，否则视同单位或持卡人已认可全部交易。

 

4. In case of any expense incurred in retrieving the copy of sales voucher and managing the complaints on transactions, if the cardholder is in default, the expense shall be undertaken by The Entity and then be deducted from the Corporate Credit Card account.

银行为单位或持卡人调阅签购单、处理交易投诉所产生的费用，经银行调查后，责任在持卡人的，该费用由单位承担，统一在商务信用卡户口内扣收。

 

Article VIII. Repayment第八条： 还款

1. The Entity shall, on schedule, repay all the debts and expenses incurred under its underling cards, or repay the minimum payment. The Bank reserves its right in demanding The Entity to settle all the debts before one appointed date.

单位应按时缴付下属所有商务信用卡的一切欠款和费用，或偿还最低还款额。银行有权要求单位于指定日期清偿所有欠款。

 

2. The Entity shall transfer the repayment into The Bank designated account before the payment due day and the payment shall be effective before the payment due day, otherwise, The Entity shall be charged with penalty and interests. The Entity shall be liable for any expenses raised by the unsuccessful repayments caused by including but not limited check returning, non-basic account repayment or failure of transferring to designated bank account.

单位的还款入账日以款项到达商务信用卡账户日为准。单位须确保在还款到期日前将还款额存入银行指定的还款账户，否则，因支票退票、非基本账户还款、还款至非银行制定还款账户等情况导致还款不成功或延误而产生的商务卡账户违约金、利息由单位承担。

 

3．The repayment date is as per the payment effective day. For the outstanding balance no more than 90 days, it shall be settled for annual fee, interests and expenses before for the principal. For the outstanding balance over 90 days, it shall be settled for the principal before for the annual fee, interests and expenses. The Bank reserves all rights to adjust the settlement orders.

客户的还款入账日以款项到达卡账户日为准。收到持卡人还款时，按照以下顺序对其信用卡账户的各项欠款进行冲还：正常及逾期1-90天（含）的，按照先年费、提现/转账手续费、违约金、各项费用和应收利息，后本金的顺序进行冲还；逾期91天以上的，按照先本金，后年费、提现/转账手续费、违约金、各项费用和应收利息的顺序进行冲还。已挂账单的欠款会优先未挂账单的欠款冲还。银行保留决定并更改还款顺序的权利。

 

4. Transactions incurred by the cardholder with the Corporate Credit Card, shall be repaid by the settlement currencies of the account. In case of any transaction currency is not the settlement currencies, the transaction currency shall be converted into the settlement currency in conformity with the rules of the international credit card organizations and the CUP (China Union Pay).

持卡人使用商务信用卡发生的交易，均需以账户结算货币支付，如交易的货币为非账户结算货币,入账时交易货币与账户结算货币的清算汇率依照国际信用卡组织及中国银联的规定办理。

 

5. Repayment of The Entity in RMB shall be made from the basic account of The Entity, while repayment in foreign currency may be made from the foreign account of The Entity, or by purchasing foreign currency through the basic account. However, in case that the transactions incurred are forbidden by PRC laws and regulations, the card issuing bank will not facilitate the purchase of foreign currency for the cardholder. The foreign currency so purchased shall adopt the “ash exchange rate” announced by The Bank on the last statement date.

单位人民币账户还款必须通过单位基本账户划入偿还，外币账户还款可以从单位外汇结算账户划入偿还，或者通过单位基本账户进行购汇偿还。但如持卡人发生的交易为国家法律所禁止，则发卡银行不为持卡人办理购汇手续。购汇还款汇率按最近一期账单日银行公布的“现汇现钞卖出价”执行。