Credit Card Education

When You Receive Your Card

• In the event the sealed package containing your new/renewed/replacement credit card is compromised, please contact our Customer Service immediately at 03-20548800
• Upon receiving your new/renewed/replacement credit card, please sign your card immediately, using non-erasable ball-point pen.
• Remember, your credit card is as good as cash. Please ensure the credit card is with you at all material times.
• Do not let anyone else use your credit card. Your credit card should be used exclusively by you.
• Should you not require your new/renewed/replacement credit card, please ensure you mutilate the magnetic stripe and chip by cutting the card and chip into halves before returning it back to the Bank.

 

When You Receive Your Personal Idientification Number (PIN)

• In the event the sealed PIN envelope is compromised, please contact our Customer Service immediately at 03-20548800.
• Memorise your Personal Identification Number (PIN) immediately and destroy the PIN advice.
• It is advisable to go to the nearest HSBC Branch to change your PIN and do not use sequential numbers, series of the same numbers and obvious numbers, such as your telephone number, ID number, date of birth or other easily accessible personal information.
• Change your PIN regularly for precaution.
• You must not write your PIN on the credit card.
• Do not keep your credit card together with the PIN advice or any paper/document stating your PIN.
• Ensure that no one is observing you when you are keying in your PIN while you are accessing our Interactive Voice Response System (IVRS), logging on to the HSBC on-line banking services, using the ATM or any other electronic payment terminals.
• You must not disclose the PIN to any person, including any employee of the Bank.
• You must not allow anyone to have access to your PIN.

 

During Transaction

• Check to ensure that 2 sales slips are printed for each transaction. The signed sales slip will keep by the merchant and a copy is given to the cardholder.
• Before signing any sales slips, you must ensure that your name, credit card number and amount transacted are in order/ accurate.
• Ensure your credit card and not someone else’s, is returned to you after a purchase using your credit card.
• Make sure your credit card is returned to you promptly after a purchase.
• Keep the customer copy of your sales slips for future reference.
• Do not disclose your credit card information to unknown persons or third party over the phone.
• On calls received or made on credit card matters, please ensure that you record the particulars of the caller, date and time of call. You may receive a phone call from HSBC after making a credit card purchase and this is done to ensure that the transaction is made/authorised by you.

 

On-Line Shopping

• Register for HSBC’s Secure Pay for extra security and peace of mind when you shop online.
• Use a secured browser.
• Check the merchant reference·
• Manage your password carefully.
• Do not send credit card details via e-mail.
• Keep transaction records including Uniform Resource Locator(URL).

 

At the ATM

• Make sure no one observes you keying in the PIN.
• Remember to take your credit card from the ATM machine after use.
• Make sure that there are no foreign devices attached to the ATM machine before using the machine.

 

When You Receive Your Statements

• Check copies of your sales slips against your monthly credit card statements·
• If you have any problems or queries, call our Customer Service at 03-20548800 immediately·
• Any disputed transaction must be reported to the Bank within 60 days from your monthly credit card statement date.

 

If You Lose Your Credit Card

• Thieves take advantage of busy public places. Jackets on chairs and handbags on the floor in restaurants are special targets. Crowded places such as cinemas, shopping malls and LRT stations are also high risk. Even in the privacy of your home or office, a card unattended is at risk of being stolen.
• Losing your card is inconvenient, cost money and time to replace. Once lost, you have to worry of unauthorised usage. Therefore, take the extra care to avoid this from happening to you.
• Report the loss immediately to avoid any unauthorised usage of your credit card.
• Check you credit card(s) periodically to ensure none is/are missing.

Important Points To Note

• If your credit card/PIN has been lost /stolen/ compromised or if your PIN has been disclosed to a third party, please report immediately by calling our 24 hours hotline at 03-20548800·
• You are advised to logon direct to HSBC website at www.hsbc.com.my and not through any other URL link addresses. Please do not divulge your personal information and credit card details through any other URL link addresses. HSBC website is secured with "PADLOCK" at the bottom right hand corner.
• We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by e-mail or otherwise to ask you to validate personal information such as your user ID, password or account numbers. If you receive such a request, please contact our 24 hours hotline at 03-20548800.
• You are required to update the Bank promptly with their latest home or business address or telephone number.