VISA CLASSIC CREDIT CARD

An application for the issuance and use of a VISA CLASSIC credit payment card can be submitted by a client who holds a current account with Postal Savings Bank, joint stock company into which monthly salary or pension is regularly paid.

In addition to the primary card, the client can request the issuance of additional cards (up to two additional cards) for authorized users.

Application form should be filled out (employment information must be certified by the company) and signed by the primary and any authorized users. A photocopy of a personal identification document is attached to the signed Application for each signatory.

The card is collected in person at the counter of the branch specified by the user in the Application. At the time of collecting the card, the client submits one signed blank solo promissory note, signs the Agreement on Issuance and Use of the VISA CLASSIC credit card and Overview of the essential elements of the credit and collects the PIN number for that card.

In order to pay for goods and services and withdraw cash, it is necessary to have sufficient funds available within the approved credit limit (for cash withdrawal transactions, it is also necessary to have sufficient funds available within the approved credit for the fee which is calculated according to the Tariff of Fees for services provided by the Bank). Otherwise, it is not possible to perform the transaction.

VISA credit card is equipped with a chip, which means that it is based on the most modern technological solutions and provides the highest level of protection against unauthorized use.

The card is delivered with a PIN, which is a personal identification number that identifies the card user when withdrawing cash and paying at locations that require entering a PIN. When performing transactions on devices that do not support PIN entry, identification is done by providing a handwritten signature on the bill/slip. Exceptionally, some devices, such as toll collection devices, may not require entering a PIN or signing a slip.

The card user can make an early repayment of debt in full or in part at the counters of Postal Savings Bank, PE Post of Serbia or other banks by depositing RSD funds to the Bank's account. The Bank does not charge a fee for early debt repayment.

Payment details:
200-2239326601000-93, Postal Savings Bank, joint stock company
Reference number: client's card number
Purpose of payment: VISA CLASSIC credit card payment
Payment code: 189
Payer's name and surname

The credit card user can request an increase in the credit limit without having to pay the entire debt. The user needs to submit a completed Application, a photocopy of a personal identification document and consent for obtaining a report from the Credit Bureau at the Bank's counter. A credit limit increase will be approved by the Bank if the creditworthiness of the client is appropriate. The client also has the option of reducing the credit limit within the offered amounts. When the amount of the credit limit changes, the amount of the fixed monthly installment also changes automatically.

The total daily limit for cash withdrawal transactions at ATMs is RSD 50,000.00 per card.

At the beginning of the month, Postal Savings Bank delivers a statement to the primary cardholder informing him/her of all transactions made with the primary and/or additional cards in the previous month, fees and commissions, the due date of the debt, the amount owed and the amount of the limit.

In case of lost or stolen card issued by Postal Savings Bank, joint stock company, please call the Bank's Contact Center at: 011 20 20 292 or visit the nearest Bank branch office.

Complaints are submitted to Postal Savings Bank exclusively in writing.

Additional information can be obtained at the Bank's counter, by calling the Contact Center phone number: 011 20 20 292 or by sending an email to: kontakt@posted.co.rs