GENERAL

- As soon as you receive the envelope with your credit card, check if the envelope
is tampered; if so inform the bank immediately.

- Sign on the white strip which is on the reverse of the card. Use a ball point pen or
a permanent marker preferably

- Sign the acknowledgment & send it back to the bank.

- Check if your name is spelt correctly on the card.

- Confirm if the address, credit line & cash line is correct.

FEES

- Always read the terms & conditions.

- Look for any offers which have come with the card.

- Confirm the fees & charges schedule.

- Check if the fee which has been agreed upon while applying for the card is the
same.

- Banks also issue additional cards which could be free, no fees levied.

PIN

- Make sure you change your Personal Identification Number (PIN) when you
receive it from the bank. If the envelope is torn inform the bank accordingly.

- Avoid using your birth date as your PIN

- Never share your PIN with anyone.

- Do not give your CVV number (a 3 digit number which is on the reverse of your
card) to anyone.

- Avoid giving your card no. unless required. Never give a copy of your card no &
CVV number together. Hide the CVV no. & then remove a photocopy if required