Frequently Asked Questions

1. How to activate my new physical credit card?  

  • 1. Please select the PFH mobile APP and press the【Login】button.
  • 2. Click【Manage】.
  • 3. Press the【Activate】button in the Manage Card location to activate the credit card.
  • 4. Enter the passcode to complete the procedure.
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2. How do I report a lost/stolen card?  

  • 1. Please open the PFH mobile APP and press the【Login】button.
  • 2. After logging into the app, please click the report card icon that displays on the card face.
  • 3. Click the credit card icon.
  • 4. Please provide the lost card information to us for a better understand to your situation. After completion, click【Next】.
  • 5. After verifying the information is correct, check the box and click【Confirm】to complete the process of reporting a lost card and apply for a replacement card.

If there are any questions or enquires at this stage, please do not hesitate to reach us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

*You must notify the merchant of your new card number to ensure that all direct debit authorizations for the original card number are not affected.

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3. How to temporarily block/unblock my credit card?  

  • 1. Please open the PFH mobile APP and press the【Login】button.
  • 2. After logging into the app, please click the lock card icon that displayed on the card face.
  • 3. Click the credit card icon.
  • 4. Press the【Lock】button.
  • 5. Press the【Confirm】button to lock the credit card.
  • 6. Enter the passcode to complete the procedure.

Please watch the video for more understanding with the procedure.

If necessary, you can temporarily block your credit card through the PFH app. For any problems, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

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4. How to apply for a credit card?  

  • 1. Download PFH Credit Card APP which is available on Google Play or Apple App Store.
  • 2. Select【Start Application】.
  • 3. Follow the instructions to verify your email address and mobile phone number.
  • 4. Create passcode. 
  • 5. Setup Biometric or later.
  • 6. Please read our “Terms and Conditions” carefully and tick the corresponding boxes to confirm that you understand and agree to them.
  • 7. Fill in your personal information.
  • 8. Follow the instructions to finish the facial recognition and verification of identification documents.
  • 9. Once all information has been submitted, we will process your application.

* We reserve the right to request more supporting documents for further review if necessary.

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5. Where to check my PFH credit card info. In PFH APP ?  

  • 1. Please select the PFH mobile APP and press the【Login】button.
  • 2. After logging into the app, you can see your PFH account number and available credit limit.
  • 3. Click【Manage】, you can find your transaction records, monthly statements, and other credit card information.
  • 4. Click the credit icon.
  • 5. Click【View】.
  • 6. Enter the security code to view more credit card information e.g. PFH credit card number or cvv number. 

6. What if I forget my passcode? 

  • 1. Please open the PFH mobile APP and press the【Login】button and 【Forgot Password】for reset login password.
  • 2. Enter registered email address.
  • 3. Verification code will send to your email.
  • 4. Enter security code.
  • 5. Create new password and confirm.

7. How do I pay my credit card bills? 

You can use the following methods to pay off your credit card repayment amount. (To avoid the overdue fees, please pay the invoice at least 5 working days before the repayment due date):

By HKDM Points: 

To make full or partial repayment in HKDM points.

 

By Cash/ Cheque:

To make repayment by cash, make a deposit to:

OCBC Wing Hang Bank Limited (Bank Code: 035)

Account Number: 611189-051

Branch Code:802


By Faster Payment System (FPS):

To make repayment by Faster Payment System (FPS), please transfer the funds to:

PFH Finance Limited - OCBC FPS ID: 111902631

 

We strongly recommend that you send your receipt (labelled with your card number and customer number) in three working days before the repayment due date by email: payment@pfhcard.com. If there are any questions or enquires at this stage, please do not hesitate to reach us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

8. What should I fill in for the validity period while applying a PFH credit card account with Hong Kong ID card? 

You can fill in the date of the application.

9. Why is it still stuck on the page of pending approval? 

It takes time for the application to get approved. Please log out and login again later to view the result. 

10. How long does it take to receive the physical credit card after the application is completed?  

Generally, new cards will be issued within 10 working days when customers have successfully applied.

11. Why can’t I receive the verification code? 

 The PFH mobile app is available in the following regions: Mainland China, Hong Kong, Taiwan, Singapore, Japan, the United Kingdom, and the Philippines. If your region is not one of the above, you need to apply with an application form or use a phone number of any of the above countries.

12. What if I forget/ change my passcode? 

Change Passcode:

  • 1. Please select the PFH mobile APP and press the【Login】button.
  • 2. Click【User Information】.
  • 3. Click【Change Passcode】.
  • 4. Enter your old passcode. 
  • 5. Set your new passcode.

13. Where can I find the latest fees and charges? 

For the latest fee and charges, please refer to "Related Document" > "PFH Card Key Fact Statement" on our official website pfhcard.hk.

14. How can I change my credit limit?  

If there are any questions or enquires at this stage, please do not hesitate to reach us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902. After submitting your request, you will be notified of the approval result shortly.

15. How do I update my personal information?  

Please email your updated personal information with relevant supporting documents to creditcard@pfhcard.com. We will process the changes as soon as possible.

16. How do I change my credit card ATM PIN?  

  • 1. Log in to your credit card account on your PFH mobile app.
  • 2. Click【Manage】. 
  • 3. Click the credit card icon.
  • 4. Select【Change ATM Pin】in【Security Settings】and set a new credit card ATM pin here.

17. What should I do if my card is suspended?  

If your card is suspended, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

18. If my credit card application is rejected, how do I reapply?  

For any problems during the application process, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

19. How do I do if my card has been damaged?  

If your card is damaged, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

20. What should I do if I discover unauthorized transactions on my credit card account?  

You should block your credit card via the PFH App immediately. You can report the unauthorized transactions to us immediately by contacting us via email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

21. Contact Us  

Email:

If you have any enquires about your credit card, please send an email to creditcard@pfhcard.com.

For a business collaboration with PFH Finance Limited, please send an email to ccrelation@pfh.hk

 

Customer Service: 

Customer Service Hotline: (+852) 3188 8902

Whatsapp: (+852) 6759 6728

Our Service are available 24 hours a day.

22. How do I dispute a transaction on my credit card monthly statement?  

If you want to dispute a transaction on your monthly statement, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

 For more details, please refer to this link.

23. How to close a PFH credit card account?  

You can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

24. When is the latest I can change or cancel autopay? 

If you need to cancel autopay, please contact the merchant to make a request.

25. Which country or region is the VISA payment network of PFH Credit Card applicable ? 

Applicable to most areas with Visa services but it still depends on the specific circumstances of the relevant merchants.

26. Can I Apply for a supplementary card?  

Supplementary cards are not available at the moment, please stay tuned. For more information, you can seek further assistance and contact us by email (enquiry@pfhcard.com) or WhatsApp +852 6759 6728 /call our 24hrs Customer Service Hotline +852 3188 8902.

27. Which PFH credit card accepts with the repayments by HKDM points method?  

All PFH credit cards accept HKDM points for repayment.