HELP CENTER

• Possession of an identity card, passport, or driving license
• over the age of 18
• States not subject to United Nations sanctions

1. Go to the PassTo website: https://passtocredit.io
2. Click "Register" button at the top-right corner of the homepage
3. Input your phone number
4. Acquire the captcha code
5. Set a unique password for your login
6. Click "OK" to finish the registration

1. Go to the PassTo Login Page: /en-US/login
2. Choose the credit card type you want to apply for
3. Fill out personal information (such as name, gender, nationality, etc.)
4. Submit photos of a valid ID card/passport/driving license (front and back)
5. Submit information on the ID card/passport/driving license expiration date and date of birth
6. Choose to apply for a physical card
7. Fill out the address to receive the credit card
8. Select the preferred language for receiving promotional messages
9. Agree to the terms and conditions, consent to the collection of personal information, and agree to receive marketing messages
10. Click "Submit Application
11. The approval process generally takes up to 2 business days
12. After receiving approval via text message, log in to the website to pay the card fee
13. Once the card fee is received, the card will be sent out

Required Documents for KYC:

Front and back photos of a valid ID card/passport/driving license

Information to be provided for KYC:

1. Complete register, KYC and activate your PassTo account and log in
2. Click "Collateral Injection" on the page right after login
3. Our system will send a message upon successful injection
4. The account balance will be automatically update

Approval Time:

Generally takes up to 2 business days.

Once you have completed the activation process, you will need to inject collateral to obtain a credit limit.

1. Complete register, KYC and activate your PassTo account and log in
2. Click "Collateral Injection" on the page right after login
3. Our system will send a message upon successful injection
4. The account balance will be automatically update

1. Confirm the credit card is activated
2. Credit application : Send relevant collateral documents by email to [email protected] Please indicate "Personal Credit Application" in the title. Those who pledge physical precious metals can also inquire about the credit limit and schedule settlement details via email.
   Securities collateral - Provide physical securities documents
   Property collateral - Provide the official deed of the properties
   Precious metal collateral - Delivery at designated location
3. Credit approval: Customer service will reply via email with the results of the review of the credit amount. When reviewing the collateral, the total credit amount can be referred to as the maximum credit limit of 60% of the market value of stocks, 20% of the market value of properties, 80% of the market value of precious metals, etc.
4. Credit confirmation: Sign the loan contract and submit original documents
5. Credit card top-up: After the original contract and documents are received, the credit limit will be added to the credit card account.

1. Go to the PassTo website: https://passtocredit.io and Login
2. Click the "Report Lost" button
3. Click the "Send Code" button
4. Enter the OTP(One Time Password) sent to your mobile and click "Confirm"

After then, we will block your existing credit card and you can either withdraw the balance or transfer the balance to a new card. Contact our Customer Service to process further procedure

Whether you suspect unauthorized transactions or for any other reason, you can temporarily lock your credit card to safeguard your fund security. And you are able to unlock your credit card and use it normally anytime.

1. Go to the PassTo website: https://passtocredit.io and Login
2. Click the "Card Lock" button
3. Click the "Send Code" button
4. Enter the OTP(One Time Password) sent to your mobile and click "Confirm"

PassTo supports users to adjust their daily spending limit and daily ATM withdrawal limit on their own:

• Platinum cardholders can enjoy a daily spending limit of up to 200,000 HKD and a daily ATM withdrawal limit of up to 200,000 HKD.
• World Elite cardholders can enjoy a daily spending limit of up to 5,000,000 HKD and a daily ATM withdrawal limit of up to 5,000,000 HKD.

1. Go to the PassTo website: https://passtocredit.io and Login
2. Click the "Limit Settings" button
3. Set the desired credit limit
4. Click the "Confirm" button

• Supports binding with Alipay, WeChat Pay, Meituan Waimai, Pinduoduo, Paypal, Tmall International, and more.
• Supports making payments or purchases through the Mastercard global network.
• Supports direct binding for purchasing iPhone and Mac products on the official Apple website in mainland China.

How to link WeChat, Alipay, and Meituan to PassTo Credit Card?

1. Open the app and go to the bank card binding page.
2. Enter your card number, expiration date (MM/YY), and CVC code.
3. Click on "Add bank card" to complete the process.

• If the binding of Alipay fails or payment fails, please click on the "Risk Control Removal Tutorial" and upload a screenshot of the PassTo homepage. Alternatively, contact Alipay customer service and declare that this card is a virtual card, and wait for it to be unblocked.
• If the binding of WeChat fails or payment fails, first contact WeChat customer service to make a complaint. Usually, uploading a screenshot of your PassTo personal account page (with your personal pinyin name) should suffice. Alternatively, you can directly call WeChat customer service at 95017, state that this card is a virtual card and has no suspicion of theft, and wait for it to be unblocked.

Encountering risk control issues during the payment process is normal and nothing to worry about. You can avoid it by following these steps:

• Avoid purchasing virtual products, such as topping up mobile phone bills, with the first successful purchase after binding.
• For the first purchase, it is recommended to pay at large chain stores, such as KFC's WeChat mini program.
• Avoid making a large purchase or exceeding the card balance with the first purchase.
• Start with small purchases and gradually increase the amount to gradually increase the credit limit without triggering risk control.
• Ensure that the card is loaded with sufficient balance before use. If the balance is insufficient during payment, it may trigger risk control measures by the merchant and affect future use.

Insufficient balance

Insufficient balance refers to a situation where an account does not have enough available funds to complete a transaction or payment, the transaction will be declined due to insufficient balance.

If a transaction is declined due to insufficient balance, you will need to inject sufficient collaterals to your account to ensure that they have enough balance to complete the transaction.

Card Locked

• Locked by Mastercard: When a suspicious transaction or risk control rule is triggered on a credit card, Mastercard will lock the card to prevent further losses to the user. If your card is locked and you are unable to make a transaction, please contact our customer service representatives for assistance.
• Locked by you: Users can also lock their credit cards within their credit card account. If you have locked your credit card, please remember to unlock it before making any transaction. If you attempt multiple transactions without unlocking your card, Mastercard may lock your credit card. If you have unlocked your card and still cannot make a transaction, please contact our customer service representatives for assistance.

Merchant POS system update failure

Due to the failure to update the list of card issuers in the POS system, several retailers will not accept our credit card for purchases. You must contact them directly to establish alternate payment arrangements.

The merchant has a designated credit card for payment

Certain businesses will only accept credit card payments from specific card issuers. You must contact the merchant's customer care for more information.

If your balance did not increase after transferring funds, it is possible that the transfer is still being processed and confirmed by the system. Please allow some time for the transfer to be completed.

If you have waited for over 10 minutes and your balance still has not increased, there may be an issue with the transfer. Here are some possible reasons:

• The platform you transferred the assets from has not yet processed the transfer. You can check the status of the transaction on the platform where you transferred the assets from.
• There may be an error in the address you used to transfer the assets. Please check the transaction TXID and contact our customer service representatives for assistance.

Refund Policy

The annual fees and administrative charges for all credit cards are non-refundable. Customers who wish to request a refund for their purchases must contact the merchant directly and the refund will be returned to the original payment channel. Due to international settlement procedures, the refund process may take 3-7 business days.

Why was my payment deducted successfully even though the transaction failed?

This may happen when there is a communication failure between the third-party payment system and the Mastercard clearing gateway. Although the payment appears to have been deducted, it is only a pre-authorization freeze. The refund process will take 3-7 business days to be returned to the original payment channel. Please be patient during this time.