 |
|
|
|
      |
< 1, 2, 3, 4, 5, 6, >
|
|
Printer-Friendly Format |
| Use at Gasoline Stations Merchants, Resturants, Hotels, and Similar Merchants |
We may refuse to honor transactions you make if your Card does not have a sufficient available balance. Certain types of merchants (e.g., gas stations, restaurants, car rental agencies, etc.) obtain an authorization that may exceed the actual amount of your purchase. If the amount of their authorization request exceeds the amount remaining on your Card, we may not honor your transaction even though the available balance on your Card would cover the actual amount of purchase. We will hold any excess authorization amount obtained by the merchant until the transaction is completed. Once the merchant sends us the final amount of your actual purchase, we will remove the "hold" on your available balance for any additional amount exceeding this final amount. This may take three (3) to seven (7) days, and during this period, you will not be able to use any balance subject to this "hold."
To avoid a decline of, or a hold on, the available balance on your Card, we recommend that you prepay for gasoline purchases inside the station (instead of swiping your Card at the pump). For other merchants that may obtain an authorization in excess of the purchase (such as restaurants, hotels, etc.) you may ask the merchant to authorize a specific dollar amount. We do not guarantee that the merchant will fulfill this request. |
| |
| Internet and Mail Order Purchases |
|
| Internet, mail, and phone order purchases may require a reference to the correct name and home address of the Card holder on file. However, the information we retain on file may not match that of the Card holder (for example, if the Card was given as a gift); therefore, we do not guarantee that this information will be available on file. Purchases initiated through these types of merchants may be declined. |
| |
| Lost or Stolen Cards |
Tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way of keeping your possible losses down. Subject to the zero-liability policy set forth below, you could lose all the money on your Card. If you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500. In addition, if your transaction history shows transfers that you did not make including those made by Card or other means tell us at once. If you do not tell us within 60 days after the transaction history was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. A record of updated daily Card transactions may be viewed online by visiting us at www.eastwestbank.com. If you do not have online access or if you cannot obtain transaction history online, recent transactions may be obtained by calling Customer Service 1-800-627-2140 (note: there is no charge for online inquiries; there may be a charge for telephone inquiries). Your failure to review transaction history could affect your rights.
If you believe your Card has been lost or stolen, call us immediately at Customer Service 1-800-627-2140. You can also write to: East West Bank, PO Box 927, Alhambra, CA 91802-0927. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your Card without your permission.
When you call us, you will be asked to provide the Card number and other identifying details. We cannot provide a replacement Card if you do not have your Card number available. If our records show that there is still an available balance remaining on the Card, we will cancel the Card and may send you a replacement Card. The replacement Card will be in the amount of available balance on your lost or stolen Card at the time you notified us. Subject to applicable law, we will deduct a Card Replacement fee from your available balance. PLEASE SAFEGUARD YOUR CARD AND TELL US IMMEDIATELY IF THE CARD IS LOST OR STOLEN.
For purposes of this Agreement, our business days are Monday through Friday. Weekends and Federal holidays are not included. |
| |
| NOTE: This Agreement should be provided to the "Cardholder/Gift Recipient" as an accompaniment to the Gift Card. |
| < 1, 2, 3, 4, 5, 6, > |
|
| |
|
|
|
 |
|
