CKB

Visa Classic Charge Card

  • Credit availability at the right time, from 0 to 24 h

Product description

With Visa Classic Charge credit card, the client may pay for purchases or withdraw cash during a month up to the level of the approved credit limit. At the end of the month, the Bank will prepare a report on transactions completed in that month, available at the nearest branch.

Advantages of using Visa Classic Charge Credit Card

  • High credit limit within easy reach.
  • 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 Classic Charge Credit Card?

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

More details about the product clients can get by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.