To ensure the long-term stable use of your card, please read these guidelines carefully before you begin. Good card habits can effectively prevent payment failures, high decline fees, and unexpected card cancellations.
1. Balance Management & Daily Spending
A sufficient balance is the prerequisite for any successful transaction, whether for daily payments or subscriptions.
Sufficient Buffer: Ensure your card balance is 3% - 5% higher than the expected transaction amount to account for exchange rate fluctuations.
⚠️ Safety Reserve: We recommend keeping at least $2 - $5 USD in your card after spending. Avoid "clearing out" the balance to prevent transaction failures caused by insufficient funds for service fees or cross-border charges.
⚠️ Special Note on "Zero-Fee" Perks: If you enjoy "Zero-Fee" benefits, the bank system will still initially deduct the fee and then refund it in real-time. Please ensure your initial balance is enough to cover the full amount.
Transaction Nature: All charges are initiated by the merchant. In addition to bank fees, you may incur taxes or service fees from the merchant's side. If you have questions regarding a charge, please contact the merchant's customer service directly.
2. Subscription Services
Subscriptions involve recurring automatic billing. For international services like ChatGPT, Netflix, and Midjourney, please follow these rules:
24-Hour Rule: Subscriptions usually auto-bill. Ensure your balance is sufficient at least 24 hours before the scheduled billing date.
⚠️ Set Reminders: Develop the habit of setting phone calendar alerts for subscription renewals or cancellations.
No "One Card for Multiple Accounts": Linking one card to multiple accounts with the same merchant can easily trigger risk flags, leading to account bans or the inability to cancel.
⚠️ Promptly Cancel Unwanted Services: A subscription is an agreement between you and the merchant; the bank cannot cancel it for you. You MUST cancel through the merchant's platform, otherwise continued billing attempts will result in multiple high decline fees.
⚠️ Free Trial Risks: Free trials automatically turn into paid subscriptions upon expiration. If you do not intend to renew, cancel promptly to avoid declines, fines, account bans, or bank-initiated card cancellation.
3. How to Prevent Declines
⚠️ A "Decline" refers to a payment failure caused by insufficient funds, incorrect information, deactivation, freezing, or card cancellation. A high decline rate will lead to risk restrictions or permanent card cancellation.
⚠️ Do Not "Empty Balance" to Terminate: To stop a service, operate through the merchant platform. It is strictly forbidden to force termination by emptying your balance.
⚠️ Verify Card Status: Before spending, confirm your card is active and not frozen or cancelled.
Confirm Top-up Sync: It usually takes 1-5 minutes for a top-up to sync. Confirm your balance has increased before initiating a payment.
Verify Key Information: Carefully check the CVV and Expiry Date. Repeated incorrect entries will cause the bank to lock your card.
Avoid High-Risk Websites: Do not attempt transactions on low-credibility websites to avoid automatic interception by the bank's risk control system.
4. Anti-Cancellation Guide
The bank monitors "Card Usage Quality" in real-time. The following behaviors will trigger forced and irreversible card cancellation:
High Decline Rate: Frequent failed billing attempts due to insufficient funds.
⚠️ Long-term Inactivity: Cards with a zero balance and no transaction history for an extended period ("Zombie Card" cleanup).
Trial Abuse: Repeatedly using virtual cards to register for free trials. Once reported by the merchant, the associated card will be permanently banned.
⚠️ Negative Balance Mechanism: If the card balance is insufficient to cover fees or charges, it will turn negative. The system will automatically deduct the corresponding amount from your other accounts (e.g., Asset Account, Earn Account). If the deficit still cannot be covered, risk control will trigger card cancellation.