The Bank shall effect all instructions received at its absolute discretion and may, without notice and without giving any reason, cancel or refuse to execute any of the Customer’s instructions at any time without incurring any liability. I agree that Bank Alfalah Limited shall, from time to time, send me the Terms and Conditions of other facilities and I will only begin to avail any of the provided facilities once I have read the governing. 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. I agree to notify the Bank immediately in writing under my signature in the event of any change in any of the information i.e my mobile number, permanent and current address, address of place of business, fax number etc. Credit Cards Terms and Conditions ... offices of the Bank are open to the public for routine business. Each of these Terms and Conditions shall be severable and distinct from one another and if, at any time, any one or more of such Terms and Conditions is or becomes invalid, illegal or unenforceable the validity, legality or enforceability of the remaining provision shall not in any way be affected or impaired thereby. CB Household Worker PayCard T & C If you have any questions about the details in this document please call us on +974 4449 0000. Accident means bodily injury which is caused solely by violent, external and accidental means and resulting directly an independently of all other causes. The Bank will not allow partial transaction amounts to be transferred on to SBS. a) No temporary Total Disability Benefits shall be payable for the first forty days of any period of Temporary Total Disability. A processing fee of 2% will be applicable per transaction. I agree to provide any additional information as may be required by the Bank from time to time. "ACCESS BANK GROUP" means the companies wholly or partially owned by the ISSUER, its parent companies or under common ownership with it. Please be aware that there exists a cloned and copied Al Rajhi Bank Website as well as emails created for the purpose of deceiving unwary customers and members of the public. No benefit will be payable under this Credit Cover Scheme if the Death, Terminal Illness or Disability results directly, wholly or partly as a result of or related to: a) Suicide within 13 months of Commencement Date; b) Sickness occurring within 28 days of Commencement Date; c) Disease and incapacity or bodily injury which existed prior to the Commencement Date; d) Pregnancy, miscarriage, childbirth or any nonmalignant disease occurring in or in connection with the female reproductive organs; e) Intentional self inflicted injury, intoxication, insanity, fighting or unlawful act on the part of the Cardmember. III. SBICPSL submits the Cardholder’s data to a Credit Information Company every month in … You should, before acting on the advice, consider its appropriateness to your circumstances. The rights and obligations of any cardmember subscribing to the Credit Cover Scheme shall be governed by the terms and conditions set forth herein below. The Cardmember/ Supplementary/Virtual Cardmember shall not use the PIN after reporting any third party disclosure thereof to the Bank. The Facility can only be availed till such time, as the Total Outstanding does not exceed beyond the Credit Limit notified by the Bank to the Customer for the Customer’s credit card. In the event of the Cardmember’s Death, Terminal Illness or Permanent Total Disability, the insurance cover is the Cardmember’s indebtedness up to a maximum of Rs.1,200,000. Death, Terminal Illness and Total Permanent Total Disability Cover. ; f) Flying other than as passenger in a certified commercial aircraft; h) Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of police duty; i) Hazardous sports such as motorcycling, hunting, steeple chasing, mountaineering, racing of any kind, winter sports and diving; j) Direct or indirect result of Human Immuno Deficiency Virus (HIV). With effect from 18 August 2016, Terms and Conditions for Public Bank Credit Card Cardholder Agreement will be revised. 2. shall be debited on the Cardholder’s account at the end of the month.Cardholder shall not allow any other person to use the Card and shall 2 0 obj The Customer shall indemnify and hold the Bank harmless against any loss suffered by the Bank, their customers or a third party or any claim or action brought by a third party arising out of or in connection with any services provided to the Customer pursuant hereto. 13.2) Retention by the Cardmember of the Card after the Cardmember’s receipt of any changes in these Terms and Conditions pursuant to Clause 13.1 shall constitute notice of the Cardmember’s acceptance of such amended Terms and Conditions without reservation. 2.2: The interest, fees and charges of Part A apply only to the actual credit facility granted, in the form of the credit … Customer will not be liable in case of dispute/compromise of information or any loss/damages which arise in this regard. 5.9) In the event of an attachment order over the Cardmember’s assets being issued, the insolvency or death, or upon demand by the Bank for any reason whatsoever, or in the case of breach of these conditions, the Cardmember shall settle his/her debit balances immediately. The Customer hereby agrees that Bank Alfalah may at any time waive either unconditionally or otherwise any of these terms and conditions or any default or breach of the Customer provided that such waiver is given in writing by Bank Alfalah. Accordingly, all costs and expenses, including legal costs and disbursements of every expense incurred by the Bank in enforcing or seeking to enforce or applying these Terms and Conditions or otherwise, shall be debited to the Card Account and shall be paid as Liabilities by the Cardmember on demand. Find answers to all your questions here. 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. These campaign rules (“rules”) explain your rights and duties in connection with this promotion/campaign. The Bank may issue a new card or cards automatically unless instructed otherwise and also that the Bank reserves the right not to reissue a card or renew the Card. Bank means Bank Alfalah Limited Pakistan, which shall include all its administrators, successors-in-interest and assigns. Any payment made by Bank Alfalah Limited under the Balance Transfer Facility shall be recoverable in accordance with the basic Bank Alfalah Credit Card Terms and Conditions. The Bank is offering this facility to all the membersof the Bank that hold the Credit Cards issued by the Bank. Please click on the preferred language to view the credit card terms & conditions 1,000 (whichever is higher). Minimum annual income differs from card to card. Words with only singular number shall include the plural number and vice versa. Part A of Client Terms, and the Credit Card Terms , highlights of which are appended in this application ("banking agreement"). The Bank will not be liable for any damage or loss incurred by the customer arising out of under COP/SBS for any negligence, breach of statutory or other duty on the part of the customer to affect Customer’s obligation to continue paying the SBS monthly installments to the Bank. 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. Sunflower Bank provides credit cards terms and conditions for our Classic, Gold, Platinum, Corporate, and Business Visa Credit Cards. 4.5.4) The Bank may at any time in its discretion discharge its entire liability with respect to any such account by mailing to the Cardmember at the address on file, its draft in the currency of the account(s) without recourse to the Bank as drawer and payable to the order of the Cardmember in the amount of the existing credit balance in the account(s) deducting there from the amounts of any claims that the Bank may have on such funds. Event means Death, Terminal Illness, Permanent Total Disability or Temporary Total Disability. Force Majeure: In the event of the occurrence of a Force Majeure event that directly affects the ability of the Bank hereto to perform its obligation hereunder, the Bank shall be entitled to suspend performance of such an obligation for the duration of the Force Majeure event. website at: www.ahlibank.om. Balance transfers. Credit Card means the Bank Alfalah VISA facility. Provided if a Temporary Total Disability Benefit was being paid, the Indebtedness shall be reduced by an amount equal to reduction in the outstanding balances as a result of the Temporary Total Disability Benefit which have subsequently been paid. These Terms and Conditions shall be without prejudice to the existing Credit Card Conditions governing the issue of and use of the Bank’s Credit Card and shall apply to SBS. ATM means an automated teller machine or any card-operated machine or device whether belonging to the Bank or other participating banks or financial institutions or to the VISA/MasterCard global ATM network, or the affiliated networks which accepts the Card. 5.6) The Bank’s right against the Cardmember and/or the Supplementary/ Virtual Cardmember shall not be determined, affected or prejudiced by, and all amounts payable to the Bank, actual or contingent, shall immediately become due or payable upon the death, insolvency or insanity of the Cardmember and/or Supplementary/Virtual Cardmember, shall immediately cease to be valid, and their heirs, executors, receivers, etc., shall return to the Bank all Cards cut into two vertical halves and make full payment as required to the Bank. Customer will be liable in case of dispute/compromise of information and any loss/damages which arise in this regard.In these Terms and Conditions, unless the context otherwise requires: I. Premiums are payable as per schedule of charges based on current balance shown on the Cardmember’s Statement of Account each month. NCB provides credit cards, mortgages, personal loans, savings accounts, investment, insurance and business banking. This will be in addition to all other charges applicable. 3.5) A. 4.3) The Bank shall convert the amount of all original and/or converted US Dollar Charges (i.e. 2. All Basic Cardmembers of ages less than 65 years (60 years for Awami Card holders) are eligible to be covered under Credit Cover. I confirm that I may be allowed to avail other facilities being offered by Bank Alfalah Limited on its credit cards including but not limited to Step-by-Step (SBS) Facility, Call and Pay facility, etc. Enjoy coverage of up to RM500,000 for travel inconveniences, including luggage delay, luggage loss, flight delay, missed connecting flight, trip cancellations, and repatriation expenses. Posted on June 16, 2016 by matthewmak In the event of any dispute between the Cardmember and the Bank or any Merchant or any other person, the Cardmember’s liability to the Bank shall not in any way be affected or reduced or suspended by such dispute or any counter claim or right of set-off which the Cardmember may have against such Merchant or other person. The Bank shall not be liable if it is unable to perform its obligations under these Terms and Conditions for any reason whatsoever. TERMS & CONDITIONS. In the event of Cardmember’s Temporary Total Disability the insurance cover is the Cardmember’s Monthly installment up to a maximum of twelve months. General Terms and Conditions for Credit Cards (May/2019) 1.14 “ erchant” means any, but not limited to, person / shop / company /establishment / organisation which accepts the “ard”, or the Card number as a method of payment for the goods, benefits, reservations, or services offered by it. Terms and conditions of a credit card should be … Please click here for details. All claims shall be subject to such discharge, evidence of claim, proof of age and occupation and other information and evidence as the Insurer may require. %���� Neither the cardmember nor the Supplementary/Virtual cardmember shall use the Card for any purpose or transaction prohibited by law which shall include without limitation gambling and the Bank in its sole discretion may decline such transactions which shall without limitation include transactions carried out through the Internet or any other way. The Bank will not allow partial amount(s) of a transaction(s) to be transferred on to SBS. View or download account agreements for Wells Fargo Credit Cards. The Cardmember agrees to reimburse the Bank for payment of any stamp duties and/or excise or other similar taxes or levies payable in connection with any advances, finances or credit provided by the Bank to the Cardmember or any Supplementary/Virtual Cardmember. 3.1) The Card is not transferable and no person other than the Cardmember or the Supplementary Cardmember whose name appears on the card is permitted (and the Cardmember and the Supplementary/Virtual cardmember will not permit any other person) to use the Card for Charges and/or Card Transactions or for identification or for any other purpose. These terms and conditions shall be applicable to any person who has been issued a credit card by Bank Alfalah and who has signed at the back of the Card and/or has used the Card. The card member agreements are applicable to Platinum Credit Card. Such changes may take 45-60 days to reflect in customer’s credit report. I/We (hereinafter referred to as the “Customer”) hereby request and authorize Bank Alfalah Limited Pakistan (hereinafter referred to as the “Bank”) to enroll my/our Card Account for the Credit on Phone facility (hereinafter referred to as the “COP”) and further transfer it to Step-by-Step payment plan facility (hereinafter referred to as the “SBS”). Without limitation to the provisions of these terms and conditions, the Bank and/or its employees shall not be liable for interruption, suspension, error of the Bank in receiving and possession of the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any mobile service provider and the Bank’s system or any breakdown, interruption, suspension or failure of telecommunication equipment of the Customer, the Bank’s system or the network of any mobile service provider and/or any third party who provides such services as is necessary to the Service. 12.4) The Cardmember and the Supplementary/Virtual Cardmember hereby confirm that the Charges and Card Transactions executed and paid pursuant to these Terms and Conditions are and will continue to be in accordance with all applicable laws, regulations, rules, circulars, and directives as may be amended from time to time governing the use of credit cards for the time being in force in Pakistan and further hereby indemnify the Bank from any fines, losses, and/or damages incurred or suffered by the Bank in the event of contravention of such laws, regulations, rules, circulars and/or directives by the Cardmember and/or Supplementary/Virtual Cardmember at any time. The Bank makes no warranty or representation of any kind in relation to the system and the network associated with the Service or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the Service. 2.02 The "Bank" shall have the right to decline the credit card application without assigning any reason and in 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. 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. Monthly Installment means the “total Minimum Payment Due” payable to the Bank by the Cardmember as set out in the last billing statement issued prior to the occurrence of the Event giving rise to a claim. The Central Bank of Malaysia. The Credit Limit assigned to the Cardmember is inclusive of the Credit Limit of the Supplementary/Virtual Cardmember and the Cardmember and the Supplementary/Virtual Cardmember shall not permit the total of the Charges incurred under or through their respective cards to exceed the said Credit Limit. By agreeing to use this Card and/or availing the offers, the Cardholder accepts the Terms and Conditions as stated on the website for the use of these offers. Charges means the amount of all and any purchases charged and all amounts payable by the Cardmember and as applicable, Supplementary/Virtual Cardmember, arising from the issue or use of the Card and includes, but is not limited to, all Card Transactions, costs, disbursements, fees imposed by the Bank and all loss and damage incurred or suffered or sustained by the Bank arising from or relating to the issue or use of the Card or breach of these Terms and Conditions by the Cardmember and/or the Supplementary/Virtual cardmember, or the Bank’s enforcement or attempted enforcement of its rights under these Terms and Conditions in connection therewith. The Validity or expiry Dates as embossed on the Cardmember and debit to SBS... Purpose of these terms and for taking the necessary measures on billing cycle date with monthly. With public bank credit card terms and condition from 18 August 2016, terms and Conditions and only refers to the terms and Conditions for Bank! 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