Instruct: Given an online banking query, find the corresponding intent.
Query: How do your exchange rates factor in?
What do you use to figure out the exchange rate for the card?
I have transfered to my account before but it is being declined now?
Rates were applied wrong while using foreign currency at an ATM.
I would like to use one of my cards for a family member. Is that allowed?
I need to refund my item, can you please help?
I sent a transfer and it has been pending for awhile. How long will it stay pending?
my virtual card has not came yet!
Why hasn't my transaction been completed?
I tried using my card at multiple vendors and now it's not working.
When I got cash I believe that the exchange rate was wrong
Are there any fees if I want to add money using an international card?
I want to revert a transaction I did this morning
I am getting charged fees on some payments.  Please help me understand, where are these fees disclosed?
Why wasn't my contactless accepted at the metro?
On my last trip, I received the incorrect exchange rate.
I tried to make a purchase in the store but my card was declined.
How often can I top up my account?
What card or currency can I use to pay?
Hello, I have a question concerning an unfamiliar fee that I notice on my account. I see that you guys charge for ATM withdrawal. Never notice this fee until now. Can you please explain?
Are there top up charges for US cards?
My transfer is quite urgent, and finally worked out, but I've been waiting for it for quite some time. Can you tell me how long to expect to wait for it?
I tried to make a transfer, but it didn't work.
What forms of payment do you accept?
I just received my card and I'd like to activate it.
I entered the wrong pin too many times and now I think it's blocked. What do I do?