User Manual

Google Authenticator is an app tool used for identity verification, which works by binding to your phone and verifying your identity when logging into an account. If we enable two-step verification, we need to enter the "temporary code" generated by Google Authenticator to successfully log into the account. This method helps prevent others from using our account and password.

Setting up Google 2FA is very simple, for details please read the following page:

Downloading is simple, for details please refer to the following page:

Receiving the credit card verification code requires the use of WhatsApp, which is an instant messaging application. Users need to register on WhatsApp in order to receive the verification code. For more details on usage, please visit the official WhatsApp website:

KYC stands for "Know Your Customer" and is a mandatory customer identity verification measure implemented by financial institutions. The required information for verification includes identification cards, utility bills with addresses, and so on.

Customers who fail to complete the KYC process in accordance with the system guidelines may not be able to fully utilize all features of c-plus.io (including credit card features).

In addition, customers are often required to submit detailed KYC documents when opening an account or changing information. For example, if you change your name a few months after opening an account, you will need to update your KYC information.

The overseas consumption handling fee is based on MasterCard's official fee. For details, please refer to the MasterCard website.

In addition, customers are advised to choose “Local Currency” for all purchases to avoid unnecessary handling charges.

On the Cplus platform, if you enable the automatic repayment feature for your account, any outstanding balance will be automatically settled by the platform. You can set your preferred assets for repayment on the platform, and changes can be made with just a few clicks.

Yes, you can apply for up to 5 supplementary cards.

If you have enabled automatic repayment on the Cplus platform and there are sufficient assets in the card account for repayment, then no interest will be incurred.

Interest will be charged immediately for cash withdrawals at ATMs. For purchase transactions, we will not debit your card account nor start accruing interest until the merchant requests payment for your purchase. We will notify you about the credit card balance and the potential start of interest accrual on the day the merchant charges your purchase transaction, via the Cplus platform or email.

There is no minimum repayment amount and no fixed repayment period. The repayment time and amount are determined by you.

This is a security feature to prevent accidental transactions and money loss that may occur if the credit card comes into contact with a contactless payment terminal during the card's delivery process, leading to offline transactions. Therefore, the credit card is restricted from using contactless payment for the first transaction, but all subsequent contactless payment transactions can proceed as usual.

For details on Mastercard rewards, please refer to the Mastercard website: