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13. What should I do if I find unauthorised transactions?

You should examine and verify the correctness of your account statement and transaction confirmation, including but not limited to transaction confirmation sent via SMS and email.

If you find or believe that your password has been compromised, lost or stolen or that any unauthorised transactions have occurred, Smart / Payment Account holders should notify BOCHK immediately, and credit card customers should notify BOC Credit Card (International) Limited as soon as reasonably practicable.

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Reminder: To borrow or not to borrow? Borrow only if you can repay!