Important Notes for using BOC Credit Card & Mobile Payment Service

1) When you received a New BOC Credit Card

  • Follow instruction on letter to proceed credit card activation and sign on the signature panel (Except Virtual Card).
  • Keep close tabs on your credit cards (including Virtual Card).

 

2) Protect your Credit Card information

  • Protect your credit card like bank notes, do not leave the card in public area without control.
  • Avoid password only composed by one type of your own personal data, e.g. date of birth, identity number, mobile number.
  • Avoid disclosing the personal information to anyone including credit card number and credit card security code.
  • Properly dispose documents which containing credit card information – e.g. Bank statements and credit card transaction receipts – You can shred or tear them into small pieces so that no one can retrieve information from them.
  • Check immediately with us if any suspicious transactions found, or non-receive your credit card statement.
  • Ensure that you get your card back after every purchase. Check if you have received back your own card after transaction completed.
  • Do not save or share your virtual card by screen capture on mobile device.
  • Do not check your virtual card information in public area to avoid information leakage.

 

3) Perform safe Credit Card online payment and fraud prevention advice

  • Do not use unsecured, unknown public WIFI to process sensitive data related activities – e.g. login online banking, online shopping with credit card, mobile payment app activation and mobile payment app with credit card account binding.
  • You should be responsible to take reasonable steps to securely and secretly keep any devices, secret codes, or Biometric Authentication (e.g. fingerprint and Face ID) used for accessing and activating mobile payment app.
  • Choose mobile payment app under HKMA regulation and licensing system to protect your rights and interests. And install related mobile payment app from official applications store on your mobile device operation system.
  • Enable screen lock authentication setting on your mobile device (e.g. passcode / Biometric Authentication) to avoid unauthorized person access your device and personal data when it was stolen / lost.
  • Disable the auto-save and auto-prefilled function on your internet browser to avoid personal data leak to third party through internet browser.
  • Please carefully protect your personal information. Do not disclose your sensitive personal information, account / credit card details, user names and passwords, including the SMS one-time password, to anyone.
  • Verify transaction details carefully, such as merchant name, transaction type, transaction amount and currency, before inputting one-time password for any transaction authorization.
  • Do not open email, SMS messages, attachments or click on the hyperlink and websites from unknown sources, or install suspicious mobile applications. In case of doubt, please stop the operation and do not input any data. Please close the window and contact the BOCCC immediately.
  • Perform each mobile payment transaction with passcode / Biometric Authentication.
  • Before scanning QR code for mobile payment, you should ensure QR code is generated by Merchant and check the transaction details carefully.
  • Keep your QR code which generated for mobile payment safe and secure, do not easily disclose it to anyone.
  • Delete your credit card information (e.g. performed credit card binding or activated mobile payment app) from your mobile device according to the instruction and guidelines issued by relevant mobile payment service provider before discard your device / hand over to others.
  • Stay vigilant - always check every transaction notification from us and verify all your credit card transactions on a regular basis for any unauthorized transactions. Contact us immediately should you encounter any unauthorized transactions or irregularities.
  • If customers have logged in to the aforesaid fraudulent websites and provided personal information, please immediately contact Customer Service Hotline at (852) 3988 2388 (press 3, # and 3 after language selection), and contact the Police. If customers have provided any password, please change the password immediately.

 

4) What should I be aware of when using Biometric Authentication service?

 

5) Two-way alert SMS on credit card transaction / activity

  • If unusual transaction / activity is detected on your credit card, we will send you a two-way alert SMS to your registered mobile phone number, inviting you to reply whether you have authorised / initiated it. Please carefully verify the details in the SMS, such as merchant name, transaction type, transaction amount and currency, before replying to that SMS.
  • If you have authorised the transaction / initiated the activity, please reply with "1" after verifying that the SMS content is correct. If you have not authorise / initiate it, or the SMS content is incorrect, please reply with "9". We will follow up per your response, including immediate suspension of your credit card and contacting you for further details after receiving the reply of “9”.
  • Please note that:
    1. Do not provide any personal and credit card information when replying that SMS. You may be charged for sending SMS by your telecom service provider.
    2. If you have incorrectly replied that SMS, please contact us immediately.
    3. If you receive that SMS overseas, please contact us immediately and do not reply that SMS.

 

6) If you found suspicious or unauthorized transaction on Credit Card Account

  • Please call BOC Credit Card 24-hour Customer Services Hotline at (852) 2853 8828 immediately.

 

7) If your Credit Card had been stolen or lost

  • Please call BOC Credit Card 24-hour Lost Card Reporting Hotline at (852) 2544 2222 immediately.

 

8) Learn more about Credit Card and mobile payment security information

  • Hong Kong Monetary Authority

  Credit Card: https://www.hkma.gov.hk/eng/smart-consumers/credit-cards

  Mobile wallet: https://www.hkma.gov.hk/eng/smart-consumers/e-wallets-and-prepaid-cards/

  • Hong Kong Police

  Crime Prevention advice – Protect Your Credit Card Data: https://www.police.gov.hk/ppp_en/04_crime_matters/cpa/cpa_pccd.html

  Crime Prevention advice – Tips for E-Shoppers: https://www.police.gov.hk/ppp_en/04_crime_matters/cpa/cpa_eshop.html