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Q: Is the East West Bank Prepaid Gift Card a credit card? How does the Gift Card work?
Q: 華美銀行的預付禮金卡是信用卡嗎? 禮金卡如何使用?

A: The Gift Card is a non-reloadable prepaid card that consumers can use everywhere that Visa debit cards are welcomed. While a prepaid card looks similar to a credit card - both have the Visa mark and hologram - Gift Card holders do not have a line of credit. Instead, the recipient can spend up to the value on the card. But the great thing is that merchants welcome the Gift Card just like any other Visa debit card. When the recipient makes a purchase with the Gift Card, the purchase amount is deducted from the card value.
A: 禮金卡是一張無法加值的現金預付卡，消費者可以到任何接受VISA金融卡(付帳卡)的商家使用。預付禮金卡看似與信用卡一樣有著VISA字樣及標記，不同的是禮金卡持卡者沒有信貸額度，並且只能花費禮金卡中所預付的金額。禮金卡的方便性是在於大部份的商家都可以接受，就如同接受VISA金融卡(付帳卡)一樣。當用禮金卡消費時，購買金額將從卡值中被扣除。

 

Q: How do I buy an East West Bank Prepaid Gift Card?
Q: 我如何購買華美銀行預付禮金卡?

A: As an East West Bank customer, you will be able to easily purchase a Gift Card at any East West Bank Banking Office through the following steps.

1.

Select the amount you would like to give to the recipient.

2.

Pay for the Gift Card through a transfer from your deposit account. NOTE: You may not purchase an East West Bank Prepaid Gift Card using a credit or debit card issued by another bank.

3.

Accept the terms and conditions as outlined in the East West Bank Prepaid Gift Card Agreement and User Guide for purchase and use of the card.

4.

Review your order for accuracy and make any necessary changes.

5.

Provide the card and a copy of the East West Bank Prepaid Gift Card Agreement and User Guide to the recipient.

A: 若您是華美銀行的客戶，您可以在任何一家華美銀行分行輕鬆購買禮金卡:

1.

決定禮金卡的金額。

2.

透過您的存款帳戶以轉帳方式支付禮金卡金額。注意: 您無法使用其他銀行的信用卡或金融卡(付帳卡)購買華美銀行的預付禮金卡。
3.

接受華美銀行預付禮金卡上所列的條件限制以及持卡者同意說明書。
4.

確認您的購買無誤並做必要的修正。
5.

將華美銀行預付禮金卡連同卡片的持卡者同意說明書交給禮金卡接受者。

 

Q: How quickly after purchase can I begin using my East West Bank Prepaid Gift Card?
Q: 華美銀行預付禮金卡購買之後多久可以開始使用?
A: Your East West Bank Prepaid Gift Card will be ready for use as soon as it is activated in the Banking Office.
A: 您的華美銀行預付禮金卡在銀行分行啟用之後便可開始使用。

 
Q: How much does the East West Bank Prepaid Gift Card cost?
Q: 購買華美銀行預付禮金卡的服務費?
A: There may be a fee assessed at the time you purchase the East West Bank Prepaid Gift Card. Please refer to the East West Bank Prepaid Gift Card Agreement and User Guide for details on fees associated with issuance and use of the Gift Card.
A: 在您使用華美銀行預付禮金卡的同時費用已酌收，有關詳情請參閱華美銀行預付禮金卡持卡者同意說明書。
 
Q: Where can a Gift Card be used?
Q: 預付禮金卡可以在哪些地方使用?
A: Consumers can use the Gift Card to make purchases anywhere that Visa debit cards are welcome – domestic, international (International transaction and conversion fees may apply), at stores, by phone, and online. NOTE: Online and telephone transactions requiring verification of cardholder name and address information for database comparison may be declined because there has been a transfer of ownership in the card from the purchaser to the recipient/cardholder. More information regarding the following specific transaction types is provided in the East West Bank Prepaid Gift Card Agreement and User Guide.

Gasoline Stations/"Pay at the Pump" - transactions preauthorized prior to purchase; if the preauthorization amount exceeds the value on your card, the transaction may be declined.

Restaurants - transactions often authorized to include the bill amount plus an applied TIP rate; if this authorization amount exceeds the value on your card, the transaction may be declined.

ATM - the East West Bank Prepaid Gift Card does not have a PIN associated with it and is not enabled for ATM access.

Banking Office or Branch - the East West Bank Prepaid Gift Card is not cash enabled for Banking Offices.
A: 消費者可以到國內或國際(可能有國際交易和兌換費用)任何接受VISA金融卡(付帳卡)的商家使用，包括商店、網路或是電話購物。注意: 網路和電話的購物交易將要求持卡者提供姓名和地址以做確認。但有可能由於禮金卡的購買者及接受者不同造成資料比對不合而被拒絕交易。若欲了解更多有關詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。

 加油站 / 加油付款 - 加油前先付費; 如果加油的金額超出禮金卡中的預付金額，那您的交易可能被拒絕。
餐廳 - 消費金額通常包括帳單及服務費; 如果金額超出禮金卡中的預付金額，那您的交易可能被拒絕。
ATM - 華美銀行預付禮金卡無密碼設定也不能使用自動提款機。
銀行分行 - 華美銀行預付禮金卡不能轉成現金使用。
 
Q: Who can use the card?
Q: 誰可以使用禮金卡?
A: For security purposes, the card should be signed by the recipient as soon as it is received. From that point on, the cardholder whose signature appears on the card is the only one who can use it.
A: 為了安全目的，禮金卡應該由接受者簽收。簽收後，署名在禮金卡上的持卡者是唯一可使用者。
 
Q: Is the East West Bank Prepaid Gift Card holder required to have internet access in order to use the East West Bank Prepaid Gift Card? How do I find out what my East West Bank Prepaid Gift Card value or balance is?
Q: 華美銀行預付禮金卡持有者需要使用網際網路嗎? 如何查詢禮金卡內餘額?
A: No, the cardholder does not need to have access to the internet or an email address to enjoy the convenience of the East West Bank Prepaid Gift Card. However, the cardholder can check value and transaction information without charge by going to www.eastwestbank.com. Information is also available by calling us at 1-800-627-2140 (fees may apply).
A: 持卡者不需要有網際網路或電子郵件才可使用禮金卡。如要查詢禮金卡內的餘額及交易明細，持卡者可以至華美銀行網站www.eastwestbank.com免費查詢。或是撥打1-800-627-2140查詢(電話查詢可能有費用)。
 
Q: Can I use the Gift Card to make a purchase that is larger than the value on the card?
Q: 我可以購買超過禮金卡內預付金額的物品嗎?
A: No, you cannot access more than the balance available on your card. However, the transaction can be completed with a split tender transaction, which is described in the East West Bank Prepaid Gift Card Agreement and User Guide.
A: 不行，您無法購買超過禮金卡內預付金額的物品。但是，超過的金額可以分開付款完成交易。有關詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。
 
Q: What should I do when the merchant's sales terminal asks me to press 'Debit' or 'Credit'?
 Q: 購買交易過程中刷卡要選擇信用卡(Credit)還是金融卡(付帳卡)(Debit)?
A: You should always press the 'Credit' button. Although the Gift Card is not a credit card, the transaction is processed like one because you will be completing the transaction with your signature, not a PIN.
A: 您應該選擇信用卡(Credit)。雖然禮金卡並不是信用卡，但是完成交易是經由您的簽名而不是用密碼(PIN)。
 
Q: What happens if my card is lost, stolen or destroyed?
 Q: 如果我的禮金卡遺失、被盜或被毀壞該如何處理?
A: If your card is lost, stolen or destroyed, it may be replaced in certain circumstances. Please review the East West Bank Prepaid Gift Card Agreement and User Guide for information regarding your liability for lost/stolen cards and unauthorized transactions.
A: 如果您的禮金卡遺失、被盜或被毀壞，在某些情況可能可以補發。有關禮金卡遺失、被竊及責任等詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。
 
Q: Can I dispute suspicious transactions on my East West Bank Prepaid Gift Card?
Q: 若發現我的華美銀行預付禮金卡有可疑的交易，我可以終止付款嗎?
A: You have the opportunity to dispute errors. Please review the East West Bank Prepaid Gift Card Agreement and User Guide for instructions on the process for error resolution.
A: 有錯誤的交易您是可以終止付款。有關禮金卡錯誤交易等詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。
 
Q: Can I cancel my East West Bank Prepaid Gift Card?
Q: 我可以取消我的華美銀行預付禮金卡嗎?
A: Yes, you can cancel the East West Bank Prepaid Gift Card. Please review the East West Bank Prepaid Gift Card Agreement and User Guide for procedures and fees associated with card cancellation.
A: 可以，您可以取消華美銀行預付禮金卡。有關程序及費用詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。
 

Q: Does the East West Bank Prepaid Gift Card have an expiration date?
Q: 華美銀行預付禮金卡有使用期限嗎?

A: Yes, your card expiration date appears on the front of the card. We encourage you to use your card's entire value within six (6) months of its purchase. Please refer to the East West Bank Prepaid Gift Card Agreement and User Guide.
A: 有，使用期限是印在您禮金卡的正面，我們建議您在購買後的六個月內使用完您禮金卡內的金額。有關詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。

 

Q: Can I add money to my East West Bank Prepaid Gift Card?
Q: 我可以續加華美銀行預付禮金卡內的金額嗎?

A: No, you cannot add money to your gift card. Please visit an East West Bank location to purchase another gift card.
A: 不可以，您無法增加禮金卡的額度。有關詳情，請參閱華美銀行預付禮金卡持卡者同意說明書。