Guam is the southernmost island in the Mariana islands, the gateway to Micronesia (a general term for western Pacific Ocean). It is an organized, unincorporated territory of the United States and lies 5,000 kilometers (3,000 miles) west of Hawaii. Since 1581, Guam had been ruled by Spanish and came under the US control in 1898 after the US-Spanish war. After the Pearl Harbor attack in 1941, it was occupied by Japanese soldiers for two and a half years. In 1944, the US regained its control over Guam. In 1950, Guam became part of the US territory and the inhabitants in the island became US citizens. Administered by the US Department of the Interior, the island is now an important strategic place of the US on the Pacific Ocean. The bush-concentrated north Guam is the US Air Force base and south Guam with zigzagged mountains and costal line is the US naval base. The coral reef of Guam embraces the entire island, acting as a natural defense against tsunami. The limpid blue sea water forms many natural swimming pools.
The tropical oceanic climate of Guam is pleasing. Thanks to the environmental protection and support of tourism industry, there are few high-rise buildings on the island. Instead, the island is dotted with many short-column zinc-roof houses and thatched houses with palm tree leaf roof, forming a unique tribe scene. The Guam inhabitants come from various ethnic groups. Of the approximately 170,000 inhabitants, half are Chamorro and the rest stem from Philippine, North Korea, Japan, China and Vietnam. Chamorro has their own culture, which is later deeply influenced by Spain and the US. Today, Guam is a Mega for tourists, many of which come from Japan. The island earns its main income from the tourism industry and the expenditure of the US naval base. Guam is a duty-free port. It produces no farm, fish and husbandry products and mainly relies on import for seafood.
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CUP service opening time February, 2009
CUP service hotline in the US 866-567-5516
CONSUMPTION BY WIPING CARD ON POS
Application Range
The main shopping centers are concentrated at Micronesia mall and commercial area near DFS.
1. The shopping center of the Guam is Micronesia mall. The mall houses many original US chain stores catering to the medium-level customers. The merchants accepting CUP cards mainly include Macy’s, ABC stores and Footlocker。
2. DFS is a must-visit shopping center for US tourists. DFS sends shuttle buses to commute tourists between the hotel and DFS, where CUP card is accepted.
3. Guam boasts the largest k-mart in the US, which is open 24 hours a day. CUP card is accepted there.
4. All merchants with password keyboard can accept CUP card. Some merchants do not put up CUP logo. The cardholders can present the CUP card and ask the salespeople whether CUP card can be used.
Merchant Features
In Guam, nearly all the US top brand goods are available. The DFS has a complete collection of high-end goods, which attracts many tourists with its duty-free advantage. Moreover, besides preserving the operating features of US chain stores, the stores in Guam also sells tourist souvenirs with local tropical characteristics.
Accepted Cards and Relevant Procedure
Debit card with CUP logo at the bottom left corner.
Relevant Charges
For swiping CUP card at a merchant, no commission is charged to the cardholder.
When consuming through CUP network, the currency exchange charge of 1%-2% will be exempted, compared with other bankcard networks. CUP will directly change the amount in local currency into RMB amount based on the BOC ask price of USD, and the issuing banks shall promptly deduct the amount from the holder’s RMB account. As certain amounts of limits exist for credit card consumption, CUP debit cards are more suitable for large consumption on luxuries, as they are subjected only to the limit of balance account of the cards. Reminder: for self-protection, the upper purchase limit set by the cardholder or the issuing banks may affect the upper purchase limit. In this case, the cardholder shall contact the issuing banks for a solution.
Purchase via CUP debit card is only subject to the account balance.
ATM Cash Withdrawal
Application Range
At present, CUP cardholder can withdraw cash from the ATMs of both Citibank and First Hawaiian Bank. We recommend cash withdrawal at Citibank, where no extra fees are charged.
DFS has the ATMs of Citibank and First Hawaiian Bank.
CUP cards cannot perform over-counter transfer and cash withdrawal abroad.
Accepted Cards
Bank cards with the CUP logo
Reminder: Cardholders are recommended to use CUP debit cards abroad since overdraft interest will be charged when drawing cash with credit cards.
How to Identify ATMs Accepting CUP Cards
At present, cardholders could withdraw cash at this region through identifying the 
logo or going to the banks recommended above.
Chinese Interface
ATMs at the various Citibank outlets have Chinese interface.
Cash Withdrawal Procedure
The card will be returned before cash given
Charge and Limit on Withdrawal
According to the regulations of national authorities, daily cash withdrawal from a CUP card abroad should not surpass the dollar equivalent of 10 thousand RMB (1400 dollars according to current exchange rate). For the daily withdrawal limit of CUP credit card, please contact the issuing banks for inquiry.
Issuing banks charge a certain amount of commissions for overseas cash withdrawal. Limits on daily withdrawal times and amount as well as commission charges can be obtained from card issuing banks.
When consuming through CUP network, the currency exchange charge of 1%-2% will be exempted, compared with other bankcard networks. CUP will change the amount in local currency into RMB amount based on the market exchange rate, and the issuing banks shall deduct the amount from the holder’s RMB account
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