CKB

VISA Gold Revolving Card

  • Loan availability at the right time, from 0 to 24 h
  • Credit card tied to a revolving loan:
  • Flexibility in using and repaying the loan minimum monthly repayment 10% (minimum EUR 10)
  • Automatic collection of due debt
  • Simple and easy monitoring of operating costs through monthly statements

Product description

Visa Gold Revolving Card is the international credit card related to a revolving loan. You may use the funds in the amount of the approved revolving loan.


Visa Gold Revolving Card enables you to cover your costs in a simpler and more convenient way. The strength of this card is in adjusting to your needs, plans, regular and unplanned expenses. Through this card, you get a revolving credit (limit) that you may use. Upon every repayment (minimum repayment or pre-payment), the card is replenished for the amount repaid and the overall amount is again available to you for spending.


Visa Gold Revolving Card enables using the revolving credit, at the minimum monthly repayment percentage of only 10% of the total debt (minimum EUR 10.00), with the remaining debt being carried forward to the next month.


Useful advice: Use Visa Gold Revolving Card for purchases. The main purpose of this card is payment for goods and services, and limits and fees are set in line with such purpose, meaning that there are additional fees for cash withdrawal. If the card is used at POS terminals, no transaction fee is charged.

Advantages of using Visa Gold Revolving Card

  • True credit card: use of revolving loan
  • Flexibility in payment: allows minimum monthly repayment of total debt from the previous month (only 10% or minimum EUR 10.00).
  • There is no need for you to come to the Bank to make a monthly repayment of 10%, as this amount is collected AUTOMATICALLY from your current account on the first working day in a month
  • Cost control: through monthly statements of executed transactions and minimum amount due for payment (invoices), to be received at your home mail address
  • You can pay for goods and services and withdraw cash in the country and abroad at sales points bearing the sign of Visa.
  • The card may be used on Internet.
  • You have a possibility to take additional cards for family members.
  • You may check your account balance at the CKB ATMs.
  • You can buy mobile top-up for 067, 068 and 069 mobile networks at the CKB ATMs.
  • You can also buy mobile top-up for 067, 068 and 069 mobile networks at the CKB POSs with authorized dealers.
  • Less need to visit the Bank you may check the executed card transactions through electronic banking.

Where to apply for Visa Gold Revolving credit card?

Visa Gold Revolving Card may be issued to you if you are adult and creditworthy and if you have regular monthly income received through transaction account opened with CKB. If you are not our regular client, you may be issued a card based on additional collateral.


You may apply for the card at any business unit of Crnogorska Komercijalna Banka AD Podgorica throughout Montenegro. The card may be used on the same date when you receive it.

Security

When you receive a card, you have to sign it. Unsigned card is considered invalid. Along with the card, the card user receives a secret identification number (hereinafter: PIN). The card user must keep the PIN confidential and must not disclose it to other persons or keep a written trace of it in order to eliminate the risk of any misuse. When entering your PIN at an ATM or POS terminal, observe the confidentiality. Check the transaction amount before signing the bill.

Reporting a card loss or theft

In case you lost a card or it was stolen from you, please contact the Bank Call Centre. The card will be automatically blocked as of the moment you contacted the Bank. If you fail to report loss or theft, you will be held responsible for the entire debt.

Complaints

If the card user believes that some costs do not belong to him/her or are incorrectly computed, he/she may address the Bank to complain about those by submitting bills and other documents that the Bank may require. Deadline for the submission of complaints is 72 h from the transaction date.


The Bank shall not be responsible for the quality and quantity of goods and/or services bought by the card. Complaints regarding the quality and quantity of goods and/or services should be resolved between the user and the sales point. Regardless of the complaint outcome, the user is obliged to settle the entire card debt.


If the Bank finds the complaint justified, it will credit the card account, and in case of unjustified complaint, the user will cover all the costs.

Information

For any information related to payment cards, please contact CKB Call Center 19894.