If you run into any issues with your credit card, it can be a real pain in the neck to call the credit card hotline—waiting for the bank’s customer service representative to get back to you while listening to the ever-playing melody. To make things easier, MoneySmart has compiled a list of shortcuts for credit card hotlines from different banks and financial institutions, so you can give them a buzz in seconds to chat with the CS reps, waive annual fees, or even report a lost credit card.
Table of Contents: Credit Card Hotline Shortcuts
- AEON Credit Card Hotline
- American Express (AMEX) Credit Card Hotline
- Bank of China (BOC) Credit Card Hotline
- Bank of Communications Credit Card Hotline
- Bank of East Asia (BEA) Credit Card Hotline
- China CITIC Bank International Credit Card Hotline
- China Construction Bank (CCB) Credit Card Hotline
- Chong Hing Bank Credit Card Hotline
- Citibank Credit Card Hotline
- Dah Sing Bank Credit Card Hotline
- DBS Credit Card Hotline
- Fubon Bank Credit Card Hotline
- Hang Seng Credit Card Hotline
- HSBC Credit Card Hotline
- ICBC (Asia) Credit Card Hotline
- OCBC Wing Hang Bank Credit Card Hotline
- Prime Credit Credit Card Hotline
- Standard Chartered Credit Card Hotline
- Shanghai Commercial Bank Credit Card Hotline
- Wing Lung Bank Credit Card Hotline
- AEON Credit Card Hotline
- Lost and Stolen Credit Cards FAQs
AEON Credit Card Hotline
| AEON Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2895 6262 | Press 2 > 0 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 2895 6262 | Press 2 > 1 |
American Express (Amex) Credit Card Hotline
| Amex Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2277 1010 | Press 2 > Enter credit card number > Press 0 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 2811 6122 | Press 2 > Press 1 |
Bank of China (BOC) Credit Card Hotline
| BOC Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2853 8828 | Press # > 3 > 0 > * |
| Waive Annual Fee | 2853 8828 | Press 3 > 4 > 2 |
| Lost Credit Card | 2544 2222 | Press 3 |
Bank of Communications Credit Card Hotline
| Bank of Communications Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2239 5559 | Press 3 > 1 > 1 > 0 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 2239 5559 | Press 3 > 1 > 1 > 1 |
Bank of East Asia (BEA) Credit Card Hotline
| BEA Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 3608 6628 | Press 2 > 3 > ＊ > 8 |
| Waive Annual Fee | 3608 6628 | Press 2 > 3 ＊ > 3 > 1 |
| Lost Credit Card | 3608 6628 | Press 2 > 6 |
China CITIC Bank International Credit Card Hotline
| China CITIC Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2280 1288 | Press 0 > # |
| Waive Annual Fee | 2280 1288 | Press 3 > 3 > 3 |
| Lost Credit Card | 3603 7899 | Answered by CS reps |
China Construction Bank (CCB) Credit Card Hotline
| CCB Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 3179 5533 | Press 3 > 8 > 8 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 3179 5505 | Press 3 |
Chong Hing Bank Credit Card Hotline
| Chong Hing Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 3768 8888 | No shortcuts. The call will automatically be directed to the customer service. |
| Waive Annual Fee | 3768 8888 | N/A |
| Lost Credit Card | 3768 6800 | N/A |
Citibank Credit Card Hotline
| Citi Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2860 0333 | Follow the dynamic menu to select related options |
| Waive Annual Fee | 2860 0333 | Follow the dynamic menu to select related options |
| Lost Credit Card | 2860 0333 | Follow the dynamic menu to select related options |
Dah Sing Bank Credit Card Hotline
| Dah Sing Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2828 8168 | Press 2 > 1 > 1 > 8 |
| Waive Annual Fee | 2828 8168 | Press 2 > 6 |
| Lost Credit Card | 2828 8188 | Press 8 |
DBS Credit Card Hotline
| DBS Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2290 8888 | Press 3 > 1 > 6 > 8 |
| Waive Annual Fee | 2290 8888 | Press 3 > 1 > 1 |
| Lost Credit Card | 2290 8888 | Press 3 > 1 > 3 |
Fubon Bank Credit Card Hotline
| Fubon Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2566 8181 | Press 2 > 1 > 4 > 0 |
| Waive Annual Fee | 2566 8181 | Press 2 > 1 > 4 > 1 |
| Lost Credit Card | 2566 8181 | Press 2 > 1 > 6 |
Hang Seng Credit Card Hotline
| Hang Seng Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2398 0000 | Press 3 > 8 > 5 |
| Waive Annual Fee | 2398 0000 | Press 3 > 6 |
| Lost Credit Card | 2836 0838 | Press 3 |
HSBC Credit Card Hotline
| HSBC Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2233 3000 | Press 2 > 3 > 0 |
| Waive Annual Fee | 2233 3000 | Press 2 > 3 > Say “Waive annual fee” |
| Lost Credit Card^ | 2233 3000 | Press 2 > 3 > * > 1 |
HSBC’s hotline service can now understand human voice responses. When it asks for your inquiry, you can respond with simple words such as “Annual Fee Waiver” or “Lost Credit Card Report.”
ICBC (Asia) Credit Card Hotline
| ICBC Asia Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2189 5588 | Press 3 > 6 > # > 9 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 2189 5588 | Press 3 > 6 > 2 |
OCBC Wing Hang Bank Credit Card Hotline
| OCBC Wing Hang Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2815 1123 | Press 2 > 6 |
| Waive Annual Fee | Please contact customer service representative directly | N/A |
| Lost Credit Card | 2815 1123 | Press 2 > 6 |
Prime Credit Credit Card Hotline
| Prime Credit Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2269 8899 | Press 2 > 9 |
| Waive Annual Fee | 2269 8899 | Press 2 > 4 > 5 |
| Lost Credit Card | 2269 8899 | Press 2 > 1 |
Standard Chartered Credit Card Hotline
| Standard Chartered Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2886 8888 | Press 2 > 1 > 1 > 2 |
| Waive Annual Fee | 2886 4111 | Press 2 > 1 |
| Lost Credit Card^ | 2886 8888 | Press 2 > 5 |
^available with online banking service
Shanghai Commercial Bank Credit Card Hotline
| Shanghai Commercial Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2818 0282 | Press 3 > 3 > 8 |
| Waive Annual Fee | 2818 0282 | Press 3 > 5 |
| Lost Credit Card | 2818 0282 | Press 3 > 7 |
Wing Lung Bank Credit Card Hotline
| Wing Lung Bank Credit Card Hotline | Hotline | Shortcut |
| Contact Customer Service Representative | 2309 5555 | Press 2 > # > 2 |
| Waive Annual Fee | 2309 5555 | Press 2 > 4 |
| Lost Credit Card | 2309 5555 | Press 2 > 5 > 1 |
Frequently Asked Questions: Credit Card Hotline Shortcuts
Can I lower my credit limit to reduce the potential risk of theft?
Cardholders can request to adjust their credit limit with the issuing bank according to their needs and abilities, although some banks may charge a handling fee. To reduce your credit limit, you can contact the credit card hotline or fill out the “Credit Limit Change Form.” Furthermore, if requested, some banks can temporarily decrease a customer’s credit limit during overseas travel to minimize potential losses from stolen credit cards. The credit limit will be restored to its previous level once the customer returns to Hong Kong.
What to do if my credit card is lost or stolen?
If you are safe and not in an emergency situation, call the credit card hotline as soon as possible to report the loss and prevent further use of your credit card. Then, go to the police station to report the incident and provide an explanation of what happened.
Am I responsible for unauthorized transactions made on my stolen credit card?
In general, if you report the loss of your credit card promptly, the bank will cover any losses due to unauthorized transactions. However, if your credit card was stolen before you reported it, the situation becomes more complex.
If you take reasonable precautions to protect your credit card and personal password before the loss, and report the loss promptly, with the bank confirming that it was theft, you will only be liable for the “maximum liability limit” amount (usually not exceeding HK$500). However, if you were involved in fraud or serious negligence, you will bear full responsibility.
Do I still need to report the loss of my credit card even if it’s unlikely to be found?
If your credit card was stolen but not yet reported, the bank may investigate the transaction. A police report is important evidence to show that the transaction was not made by the cardholder, which increases the chances of the bank waiving the amount. Additionally, if you lose your credit card or other belongings while traveling, you must obtain a “police report” to claim compensation for loss from travel insurance companies.
What should I do if I lose my credit card overseas and have no money?
You can call Visa or MasterCard’s international support hotline to report the loss of your credit card and for various types of emergency support services:
VISA Global Customer Assistant Service Hotline: 1-303-967-1090
MasterCard Global Service Emergency Number: 1-636-722-7111
How can I manage installment payments and automatic bill payments if I lose my credit card?
If you report the loss of your credit card, the bank will issue a new one with a different credit card number. Your existing installment payment accounts will typically be transferred automatically to the new card without any additional procedures.
However, for automatic bill payments, you may need to inform the merchant of the change in your credit card number so that they can transfer the information to the new card. Please note that the bank’s notification policy may affect the actual situation.
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