工商银行信用卡章程

工商银行信用卡章程 《中国工商银行牡丹信用卡章程》 第一章 总 则 第一条 为适应信用卡业务发展需要～为社会各界提供全面优质的服务～根据国家法律、法规和规章及有关规定～制定本章程。 第二条 牡丹信用卡是中国工商银行,含中国工商银行相关分支机构～以下简称发卡机构,发行～并给予持卡人一定信用额度～持卡人可在信用额度内先支付后还款～具有消费、转账结算、存取现金等功能的信用支付工具。 第三条 牡丹信用卡按照发行对象分为单位卡,商务卡,和个人卡～其中个人卡分为主卡和副卡,按照信用等级分为普通卡、金卡和白金卡,按照信息载体分为磁条卡、芯片卡和磁条芯片复合卡,按照是否享有免息还款期分为贷记卡和准贷记卡,按照账户币种分为人民币卡和双币卡,按照是否联名,认同,分为联名,认同,卡和非联名,认同,卡。牡丹信用卡将使用银联、威士、万事达卡、require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 运通和其他信用卡组织或公司的标识。 第四条 发卡机构、持卡人、担保人、特约单位及其他相关当事人均须遵守本章程。 第五条 本章程涉及的部分名词遵从如下定义: “持卡人”指向发卡机构申请信用卡并获得卡片核发的单位或个人。单位卡持卡人应由其单位指定,个人卡持卡人包括主卡持卡人和副卡持卡人。 “信用额度”指发卡机构根据申请人的资信状况等为其核定、在卡片有效期内可循环使用的最高授信限额。 “透支”指持卡人使用发卡机构为其核定的信用额度进行支付的方式～包括消费透支、取现透支、转账透支和透支扣收等。 “银行记账日”指发卡机构根据持卡人发生的交易将交易款项记入其信用卡账户～或根据规定将费用,包括但不限于超限费、滞纳金、年费、手续费、追索费～下同,、利息等记入其信用卡账户的日期。 “对账单日”指发卡机构定期对持卡人的交易款项、费用等进行汇总～结计利息～计算出持卡人应还款的日期。 “还款日”指持卡人向发卡机构偿还其欠款的银行记账日期。 “到期还款日”指发卡机构规定的贷记卡持卡人应该偿还其全部应付款项或最低还款额的最后日期。 require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de “免息还款期”指对于贷记卡持卡人～除取现及转账透支交易外～其他透支交易从银行记账日起至到期还款日,含,之间可享受免息待遇的时间段。 “全部应付款项”指截至当前对账单日～贷记卡持卡人累计已经发卡机构记账但未偿还的交易款项～以及利息、费用等的总和。 “最低还款额”指发卡机构规定的贷记卡持卡人在到期还款日,含,前应该偿还的最低金额～是上一期账单中最低还款额未还部分和当前对账单日账户透支余额10,的总和。 “超限费”指贷记卡持卡人超额使用发卡机构为其核定的账户信用额度～且在账户超限当日,即发卡机构对该笔交易金额的记账日,未偿还超额部分～按规定应向发卡机构支付的款项。 “滞纳金”指贷记卡持卡人未能在到期还款日,含,前偿还最低还款额～按规定应向发卡机构支付的款项。 第二章 申领条件及手续 第六条 凡具有完全民事行为能力～资信状况良好的个人～可凭本人有效身份证件和相关资料向发卡机构申领个人主卡～还可为具有完全民事行为能力的自然人办理不超过两张的副卡,主卡持卡人可申请取消副卡或停止副卡的使用,主卡持卡人须承担副卡项下全部债务。 require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 第七条 凡具有法人资格的企业、国家机关、事业单位、部队、社会团体或其他组织,以下统称单位,～可凭中国人民银行核发的开户许可证和相关资料向发卡机构申领单位卡。单位可申请若干张单位卡～单位卡持卡人的资格由单位指定或撤销。 第八条 个人和单位申领牡丹信用卡～应按发卡机构要求正确、完整、真实地填写申请表和提交发卡机构要求的相关申请资料～并与发卡机构签订领用合约。 第三章 使用及账户管理 第九条 在境内～牡丹信用卡可通过发卡机构指定的特约单位、营业网点、自动柜员机等或具有银联标识的受理点使用,在境外～人民币卡可在具有银联标识的受理点使用～双币卡还可在有关信用卡组织或公司指定的受理点使用。 第十条 持卡人接到牡丹信用卡后～应及时办理卡片启用～立即在卡片背面签名栏签名～并在用卡时按规定使用此签名～否则应自行承担由此产生的后果和损失。 第十一条 凡使用密码进行的交易～均视为持卡人本人所为,基于持卡人签字形成的交易凭证和/或凭牡丹信用卡磁条、芯片、卡号或密码等电子数据而办理的各项交易所产生的信息 记录 混凝土 养护记录下载土方回填监理旁站记录免费下载集备记录下载集备记录下载集备记录下载 之一或全部均属于该项交易的有效凭据,持卡人遗忘密码～可凭本人有效身份证件和牡丹信require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 用卡办理密码重臵。 第十二条 持卡人在境内外的消费、取现、转账等交易须遵守国家法律、法规和规章～以及发卡机构、特约单位及信用卡组织或公司等的相关规定。持卡人使用牡丹信用卡通过电子银行渠道办理业务～应遵守中国工商银行电子银行业务相关章程、 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 和交易规则。 第十三条 持卡人遗失牡丹信用卡应立即通过中国工商银行电话银行、网上银行等电子银行渠道或到发卡机构营业网点办理挂失～挂失手续办妥～挂失即生效。持卡人对挂失生效后其牡丹信用卡发生的交易不承担任何责任～除非持卡人对该交易存在欺诈、串通他人欺诈或其他不诚信行为。挂失生效前牡丹信用卡产生的损失由持卡人承担～发卡机构不承担任何责任～但发卡机构存在法律、法规规定的过错或与持卡人另有约定的除外。挂失后如需补办新卡～可按照规定办理补办手续。 第十四条 发卡机构对牡丹信用卡卡片设定有效期～如持卡人到期需要继续使用～应办理更换新卡手续。已过期的牡丹信用卡～持卡人在按照发卡机构规定办理有关手续前不能继续使用,收入款项除外,～如持卡人未及时办理更换新卡手续而造成牡丹信用卡无法正常使用～由此产生的损失由持卡人承担。本章程、领用合约及其他业务规定对已过期的牡丹信用卡继续有效～发卡机构继续保留对require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 已过期牡丹信用卡的管理权、追索权等权利。如因发卡机构与合作单位、信用卡组织或公司合作终止等原因导致无法补换卡的～发卡机构可发放其他同信用等级卡片。持卡人不补换新卡或中途停止使用牡丹信用卡的～仍须清偿该卡所欠债务。 第十五条 发卡机构为人民币卡持卡人设立人民币账户～核定人民币账户信用额度,为双币卡持卡人设立人民币账户和指定的外币账户～分别核定人民币账户和外币账户信用额度。 第十六条 持卡人通过发卡机构指定的特约单位、营业网点、自动柜员机和具有银联标识的受理点使用的款项～均记入人民币账户,外币业务除外,,在发卡机构指定营业网点等办理外币业务～在国外信用卡组织或公司指定的境外受理点使用的款项～均记入外币账户。 第十七条 个人卡账户的资金以现金存入或以合法款项转账存入。外币账户透支可用持卡人外汇资金偿还～也可以人民币购汇偿还。 第十八条 单位卡存款一律从其基本存款账户或外汇账户转账存入～不得使用单位卡在境内存取现金。单位卡外币账户透支可从单位具有支付资格的外汇账户转账偿还～也可以单位的人民币基本存款账户资金购汇偿还。 第十九条 发卡机构对于贷记卡持卡人的还款～先偿require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 还已过免息还款期欠款,含交易款项、费用及利息等～下同,、后偿还未过免息还款期欠款～还款均以银行记账先后顺序为准,对于准贷记卡持卡人的还款～按照先偿还利息～后偿还除利息以外的欠款顺序偿还。 第二十条 发卡机构受理牡丹信用卡销户申请后按照有关业务规定为其办理销户。销户时～单位卡账户的资金应转回其基本存款账户或外汇账户。 第四章 计息及费用规定 第二十一条 贷记卡计息及费用规定 ,一,持卡人在到期还款日,含,前偿还全部应付款项～则无需支付除取现及转账透支交易外的透支利息。持卡人使用信用额度取现及转账的～不享受免息还款期待遇～并应支付所用款项从银行记账日起至还款日止的透支利息。 ,二,持卡人可按照对账单标明的最低还款额还款。按照最低还款额规定还款的～发卡机构只对未清偿部分计收从银行记账日起至还款日止的透支利息。未能在到期还款日,含,前偿还最低还款额的～除按照上述计息方法支付透支利息外～还应按照最低还款额未还部分的一定比例支付滞纳金。 ,三,持卡人超额使用发卡机构批准的账户信用额度～如在账户超限当日,即发卡机构对该笔交易金额的记账require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 日,未偿还超额部分～应对超额部分按照一定比例支付超限费。因持卡人在临时调高额度期限届满前未归还欠款导致超过信用额度～或因利息、费用等其他原因导致超过信用额度的～属于超额使用信用额度。 ,四,发卡机构对持卡人不符合免息条件的交易款项、费用等从银行记账日开始计算透支利息～有权按月计收复利并从持卡人账户中扣收,含透支扣收～下同,～透支利率按照中国人民银行的有关规定执行。 ,五,贷记卡账户内存款不计付利息。 第二十二条 准贷记卡计息规定 ,一,准贷记卡透支利息自银行记账日起～按人民银行规定的透支利率计收单利～透支期限最长为60天。 ,二,准贷记卡账户内的存款按照中国人民银行规定的活期存款利率及计息方式计付利息。 第二十三条 发卡机构按照对外统一规定的收费项目及 标准 excel标准偏差excel标准偏差函数exl标准差函数国标检验抽样标准表免费下载红头文件格式标准下载 收取费用～收费项目及标准如有变动～以发卡机构最新公告为准。 第五章 当事人权利义务 第二十四条 发卡机构的权利 ,一,发卡机构有权向有关部门、单位和个人调查了解申请人资信、财产及相关情况～有权审查申请人的资信状况～有权索取、留存和使用申请人的个人资料～有权根require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 据申请人的资信状况确定是否要求其提供担保～并根据申请人的申请资料及资信状况确定是否同意发卡、发卡的种类和信用额度～发卡机构受理申请人申请后～无论是否同意其办卡申请～申请表及相关资料均不予退还。 ,二,发卡机构有权根据持卡人消费、还款记录情况、资信状况变化或突发性欺诈风险等情况调整其牡丹信用卡的信用额度～或要求持卡人按照规定提供担保。 ,三,持卡人未在发卡机构规定的还款期限内偿还欠款的～发卡机构有权自行或委托第三方通过信函、短信、电子邮件、电话、上门、公告或司法渠道等方式向其催收欠款。如持卡人经催收仍未清偿欠款～发卡机构有权选择采取或同时采取如下措施:停止该卡使用,停止持卡人所有牡丹信用卡使用,行使质权,从持卡人在中国工商银行任何分支机构开立的任何账户中直接扣收,向担保人追索,将持卡人违约信息公布在中国工商银行网站,www.icbc.com.cn～下同,上等。 ,四,发卡机构有权基于持卡人资信状况下降等原因或为维护持卡人账户资金安全等目的～在已 通知 关于发布提成方案的通知关于xx通知关于成立公司筹建组的通知关于红头文件的使用公开通知关于计发全勤奖的通知 持卡人或因持卡人原因无法通知的情况下暂时停止持卡人使用牡丹信用卡,持卡人不遵守相关法律、法规和规章～以及本章程和领用合约约定的～发卡机构有权取消其持卡人资格并可自行或授权有关单位收回其牡丹信用卡,如给发卡机require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 构造成损失～发卡机构有权依法追究持卡人或有关当事人的法律责任。 ,五,发卡机构为持卡人的交易累计积分或向持卡人提供免费增值服务的～发卡机构保留变更积分累计规则、增值服务种类及内容或清理积分、终止有关增值服务的权利～且无须事先征得持卡人同意,发卡机构行使此项权利时应进行公告～且公告一经发布即对持卡人产生法律效力。 ,六,因供电、通讯、系统故障等原因导致持卡人用卡受阻的～发卡机构可视情况协助持卡人解决问题或提供必要的帮助～但不承担因此可能给持卡人造成的损失。 第二十五条 发卡机构的义务 ,一,发卡机构应书面或通过中国工商银行网站等提供牡丹信用卡使用的有关资料～包括章程、领用合约、使用说明、收费项目及标准等。 ,二,发卡机构应按约定通过有关服务渠道为持卡人提供牡丹信用卡服务。 ,三,发卡机构应设立24小时服务热线电话～向持卡人提供业务咨询、账户查询、投诉受理及挂失办理等服务。 ,四,对有交易发生或虽未发生交易但账户有未清偿欠款的～发卡机构应通过对账单、电子账单、对账簿等方式～定期向持卡人提供对账服务～双方另有约定的除外。 require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de ,五,发卡机构应依法对持卡人的信息承担保密义务～未经当事人同意不得向任何单位或个人披露～但法律、法规和规章另有规定～或者持卡人与发卡机构另有约定的除外。 第二十六条 申请人、持卡人的权利 ,一,牡丹信用卡的所有权属于发卡机构～持卡人享有按照规定使用牡丹信用卡的权利。 ,二,申请人、持卡人有权知悉牡丹信用卡的功能、使用方法、收费项目及标准、适用利率及有关的计算 公式 小学单位换算公式大全免费下载公式下载行测公式大全下载excel公式下载逻辑回归公式下载 。 ,三,持卡人有权要求发卡机构按约定提供牡丹信用卡服务～并对服务质量进行监督。 ,四,持卡人有权在规定时间内向发卡机构索取对账单～或通过发卡机构有关服务渠道了解其账务变动情况。 ,五,持卡人对牡丹信用卡交易和账户情况有疑问的～有权在规定时间内向发卡机构提出查询或更正要求～经查询交易确为持卡人所为～相关费用由持卡人承担。 第二十七条 申请人、持卡人的义务 ,一,申请人应向发卡机构提供真实、有效的资料～并同意发卡机构可向相关单位或机构提供其有关资料。 ,二,发卡机构按规定调整持卡人信用额度后～如持卡人不愿调整其信用额度～应及时以书面或双方认可的其他形式向发卡机构提出～但仍需清偿已经发生的交易款require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 项、利息及费用。 ,三,持卡人应承担牡丹信用卡,其中～个人卡含副卡,项下发生的全部债务～并在发卡机构规定的还款期限偿还欠款。发卡机构可从其账户中扣收因牡丹信用卡,其中～个人卡含副卡,而发生的全部交易款项、利息及费用。持卡人不得以与特约单位或受理单位发生纠纷为由拒绝支付所欠发卡机构的款项～不得利用牡丹信用卡进行虚假交易等欺诈活动套取资金、积分、奖品或增值服务。 ,四,持卡人应妥善保管牡丹信用卡及其卡片信息、密码、交易凭证和身份证件等～不得将牡丹信用卡卡片信息、密码等相关信息泄漏给他人～且不得出租或转借牡丹信用卡～否则应自行承担由此产生的后果或损失。 ,五,持卡人在申请表中所填内容,包括但不限于工作单位、联系方式及地址、身份证件号码,有所变更时～须立即以书面或双方认可的其他形式通知发卡机构办理资料变更～否则应自行承担由此产生的后果或损失。持卡人同意发卡机构可通过短信或电子邮件方式向其发送与牡丹信用卡有关的信息～并保留终止发送的权利。 第六章 附 则 第二十八条 本章程未尽事宜的处理应遵守中华人民共和国相关法律、法规和规章～以及本章程、领用合约和发卡机构相关业务规定,在使用联名牡丹信用卡、芯片require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 卡或磁条芯片复合卡或发卡机构电子银行等服务时～还应遵守该类卡或该类服务相关规定。牡丹信用卡交易还须执行有关信用卡组织或公司的规定。 第二十九条 本章程由发卡机构负责制定、修改和解释。发卡机构如对本章程进行修改～将通过营业网点或中国工商银行网站进行公告,修改后的章程自公告满30日即为生效。在公告期内～持卡人可以选择是否继续使用牡丹信用卡～持卡人如对章程变更有异议而决定不继续使用牡丹信用卡～可按照规定办理销户手续。公告期满～持卡人未办理销户手续的～视为同意章程的变更。 第三十条 发卡机构以合法方式发布的～在持卡人用卡期间持续有效的公告,包括领取牡丹信用卡之前和之后发布的,～均同样适用于持卡人。如该公告与本章程不一致的～以发布在后的为准。 第三十一条 本章程自2009年2月22日起正式实施～原《中国工商银行牡丹国际信用卡章程》《中国工商银行牡丹贷记卡章程》和《中国工商银行牡丹信用卡章程》同时废止。 第三十二条 本章程中关于贷记卡的规定自然适用于原牡丹国际信用卡和原牡丹贷记卡持卡人～准贷记卡的规定自然适用于原牡丹信用卡持卡人,关于双币卡的规定自然适用于原牡丹国际信用卡持卡人～人民币卡的规定自require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de 然适用于原牡丹贷记卡和原牡丹信用卡持卡人,未指明卡 种的规定～均自然适用于原牡丹国际信用卡、原牡丹贷记 卡和原牡丹信用卡持卡人。 require blasting construction area against adjacent building, slope affected, set the influence of blasting vibration monitoring device, and set up special full-time security staff observed at any time and make observations, area at any time to check on the job. 15.3.3 temporary power and lighting circuits (1) substations, power distribution rooms fortified Thunder, earth leakage protection, use zero system, but shall not be co-located on the same power supply system ground connection and zero connection; (2) the erection of lighting lines suspended height shall be in accordance with local requirements in the electricity sector; (3) construction site lighting line short-circuit protection, fixed and joint loads shall be according to the regulations of the local power sector; (4) portable power equipment, cables and other vehicles rolled leakage-proof; (5) electric drive wheel, wheel, flywheels and other exposed parts of protective devices. (6) construction organization design of temporary electricity in construction site shall be prepared, no private lines. 15.3.4 safety assurance measures (1) traffic should be smooth, clean and smooth drainage system. Slope, turning radius, the wrong lanes, road ... 15.4.1 organització de resposta d'emergència i deures (1) Departament de treball resposta d'emergència de seguretat grup líder d'un director de projecte d'establir l'organització. Presideix el director del projecte, cap adjunt projecte director adjunt, directors de