5.4) The Bank shall charge the Cardmember and debit to the Card Account a Handling fee of Rs. 3.6) The Card shall at all times be and remain the property of the Bank. e) Fraudulent Usage and Counterfeit Activity Benefit. The terms and conditions contained in the MITC and Card Agreement apply over and above the terms and conditions for this Instant EMI Scheme. The Bank is only acting as an agent in providing this facility and cannot be held responsible for setting claims emanating from this Scheme or for the approval or rejection of any claim. HONG LEONG BANK INFINITE CREDIT CARD TERMS AND CONDITIONS The terms and conditions below are to be read together with the Hong Leong ank (“the ank”) ardholder’s Agreement (“the Agreement”). 5.1.3) If the Cardmember fails to effect payment of at least the Minimum Payment Amount on or before the applicable Payment Due Date, in addition to outstanding amounts then due and payable, the Cardmember agrees to make payment of a delayed payment fee of 10 % (or such percentage as the Bank may specify from time to time) of the Minimum Payment Amount then outstanding as detailed in the Statement of Account for the applicable period or Rs. 4.3) The Bank shall convert the amount of all original and/or converted US Dollar Charges (i.e. The Bank will not allow partial amount(s) of a transaction(s) to be transferred on to SBS. The Terms and Conditions shall be governed and construed according to the laws of Pakistan and only the courts in Lahore shall have jurisdiction to settle any dispute with regard to them. The Cardmember agrees that: the PIN may be sent by post to the Cardmember and/or Supplementary/ Virtual Cardmember at his/her risk; or the Cardmember may use Bank Alfalah’s Interactive Voice Response (IVR) service by calling 111-225-111 to get ATM PIN; the Cardmember and/or Supplementary/Virtual Cardmember shall not disclose the PIN to any person and shall take every reasonable precaution to prevent disclosure of the PIN to any person; and subject to Clause 10.2 the Cardmember shall be fully liable to the Bank for all Card Transactions made with the PIN whether with or without the knowledge of the Cardmember and/or the Supplementary/Virtual Cardmember. I understand, acknowledge and agree to pay the nominal fee charged for availing the said service.These instructions shall remain valid and in force till such time as I inform the Bank in writing under my signature that I no longer wish to avail this facility as offered by the Bank. Such changes will be effective from the date specified by Bank Alfalah Limited for such modification. Balance transfers. The Bank reserves the absolute right to accept/reject the request for Credit on Phone and the conversion of the transaction to SBS. Virtual Card* means a supplementary card that allows existing credit card holders to easily and safely make transactions online. The Bank shall not be liable under any circumstances for any damages whatsoever whether such interruption of business or any loss of character or nature whatsoever and whether sustained by the Customer or by any other person. Merchant means any retail and service outlets that has entered into a written agreement to accept credit cards in the payment or reservation of goods and services. Cardmember means an Account Holder of Credit Card facility who is subscribing to the Credit Cover and accepted by the Bank. 4.6) The Cardmember hereby irrevocably authorizes the Bank to effect debit to the Pak Rupee Credit Card Account of the Cardmember maintained with the Bank in order to purchase foreign currency notes or other allowed instruments on behalf of the Cardmember to effect remittance, or to instruct money exchanger and/or any other corporation or body authorized under the law to deal in foreign exchange transactions to effect such remittances on behalf of the Cardmember against payment of equivalent Pak Rupee debited from Cardmember’s account together with all applicable costs, as allowed by State Bank of Pakistan, for settlement of the foreign currency dues/outstanding balance of the Cardmember. 15.3) Notwithstanding the aforesaid, the Bank shall be entitled at its absolute discretion to rely and act on any notices, requests or instructions which are or purport to be from or given on behalf of the Cardmember or the Supplementary/Virtual Cardmember (whether or not they are genuine or given with the Cardmember’s consent or authority), and action on the Bank’s part pursuant to such notices, requests or instructions shall be binding on the Cardmember and also the Supplementary/Virtual Cardmembers and the Bank shall not be liable for any loss or damage incurred or suffered or sustained by any Cardmember and/or Supplementary/Virtual Cardmember as a result of such action. %PDF-1.5 TERMS AND CONDITIONS OF DBBL VISA/MASTERCARD CREDIT CARD 1. in addition, the Cardmember shall also be liable to pay a Cash Advance fee as per schedule of charges (or amount advised by the Bank from time to time) obtained from the Bank or other participating banks or financial institutions or ATMs which accept the card. Faysal Bank Debit Card Terms & Conditions Conventional (English) Solitaire – Faysal Debit Card English endobj Statement of Account means the Bank’s monthly or other periodic statement of account sent to the Cardmember showing particulars of the Current Balance and Minimum Payment Amount incurred by and/ or for the account of the Cardmember and any Supplementary/Virtual Cardmember and payable to the Bank on Payment Due Date. Equipment such as Air conditioner. TV, VCR, Refrigerator, Computers, Cars, Vehicles, Cash, Shares and other valuables etc. SBICPSL submits the Cardholder’s data to a Credit Information Company every month in … ... You can see the general terms that apply to your credit card account by clicking on the link below that relates to your product. Card or Credit Card Any credit card (including a physical, digital or virtual card i.e. These terms mentioned here-in-above shall apply to the extent not inconsistent with the Bank Alfalah Credit Card Terms and Conditions. Terms and Conditions and fully agree with them. The Bank does not warrant the confidentiality or security of the messages transmitted through the Service. You agree to be bound by them and any variation the Bank makes to its banking agreement. 8.3) Any payment made by the Cardmember to the Bank shall be allocated towards reduction of the debit balance in the Card Account in accordance with clause 5.5 but the Cardmember shall continue to remain liable for any outstanding post-payment debit balance, if any, in the Card Account. It is worth noting that Public Bank Visa Signature credit card is issued for free of charge in the first year - one of the many benefits and privileges of becoming Public Bank credit cardholders. In consideration of the Bank providing the Service, the Customer agrees to indemnify and hold the Bank harmless from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain or suffer as a consequence of or arising from the Customer acting, or omitting to act on any instructions given by the use of the Service.The Customer hereby agrees to abide with all the rules and regulations applicable to this Service and any other services related to this Service that may be provided by the Bank in the future. I agree to avail Alfalah Cards SMS facility (the “Service”) on the terms and conditions stated herein and accept and agree to be bound by the said terms and conditions. The Customer will be able to utilize credit limit from time to time by giving oral instructions, through telephone to the Bank’s 24-hour Call Centre/PBO. The Most Important Terms & Conditions and all the information ... Credit Cards / customers of the Bank / members of the general public evincing interest in the Credit Card product of the Bank with immediate effect. Posted on June 16, 2016 by matthewmak I also agree that the Bank shall not be liable, in any manner whatsoever, if any relevant information pertaining to my Alfalah Credit Card comes in the knowledge of any third party due to, including but not limited to, if such third party has access to or is/are using my mobile phone with or without my consent to do so. B. To get a copy of your existing agreement, call 1-800-642-4720. The Cardmember and Supplementary/Virtual Cardmember waive any and all rights to dispute or question any rate of exchange so applied by the Bank. Please click here for details. Public Provident Fund. Such changes may take 45-60 days to reflect in customer’s credit report. 6.2) The Bank shall charge financial charges on each Cash Advance from the date of each Cash Advance until the date of full payment as per schedule of charges or such other rate as the Bank may determine from time to time. The transaction amount, billed by the airline in foreign currency, will be subject to all applicable rules and procedures of Bank Alfalah Limited for conversion of foreign currency into rupees, based on the exchange rate being used by Bank Alfalah Limited at the time of the conversion. The following definitions apply to these Terms and Conditions: “Cardholder” means the credit card holder “Cycles” refer to the credit card’s billing cycles “Promotional Period” refers to the period from July 1, 2020 to October 31, 2020 inclusive of spend, first qualified net purchase and activation bonuses. Bank Alfalah does not undertake any liability for any unauthorized transactions on any card activated for internet usage. 4.1) The Bank shall debit to the Card Account all Charges and Liabilities and any other costs or expenses incurred or payable by the cardmember under these terms and conditions and the Cardmember shall be liable to pay to the Bank all such amounts regardless of whether a sales voucher, a Cash Advance voucher or any other voucher in respect of any Card transaction is signed by the Cardmember or the Supplementary/ Virtual Cardmember. Bank means Bank Alfalah Limited and only refers to the branches of Bank Alfalah Limited carrying on business in Pakistan. The Bank will not be liable for any damage or loss incurred by the customer arising out of the purchase, installation, use or otherwise of the Good(s) and/or Service(s) under SBS for any negligence, breach of statutory or other duty on the part of the merchant nor shall the Bank be responsible in any way for the quality of the Good(s) and/or Service(s) purchased under SBS. a) Any unauthorized use of Customer’s personal identification number/ access password and/or any other appropriate mode of identification that would be used for the Service or mobile phone or any fraudulent, duplicate or erroneous instructions given by the use of the Customer’s personal identification number/access password and/or any other appropriate mode of identification that would be used for the Service or mobile phone number, and any other identification number/code; b) Error, default, delay or inability of the Bank to act on all or any of the instructions; c) Acting in good faith on any instructions received by the Bank; d) Loss of any information/instructions in transmission; e) Unauthorized access by any other person to any information/ instructions given by the Customer or breach of confidentiality. 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