DINERS CLUB YOUNG PROFESSIONAL


 

Terms and conditions of the overdrafts to the cardholders of Diners Club International Young Professional

Borrower

RA citizen and resident individual, with the employer of which the Bank carries out a salary project or the employer of which has a positive business reputation/high rating or whose revenue is acceptable for the Bank   

Overdraft currency

USD

EUR

Overdraft maximum maturity

24 months

Annual interest rate

USD - 16%

EUR - 14%

Overdraft amount

Based on the credit rating, however, not exceeding USD 2.000 or EUR 1.500 

Overdraft disbursement mode

By payment card with cash-out capacity

Interest repayments

Monthly

Overdraft repayments

Monthly,  equal amortization

Annual interest rate on past-due overdraft principle 

CBA reference rate

Penalty on past-due interest     

0.3% daily

Penalty on past-due overdraft

0.2% daily

Payment card effective period

24 months

Annual service fee of the payment card

In compliance with the rate effective in the Bank  

Card service fee shall be charged once for the whole effective period of the card  

Requirements to the credit history of the Borrower   

Lack of past-due or classified liabilities with the total of past-due liabilities not exceeding 30 days  within 24 months prior to the loan application                      

Required documents

Passport and social security card

Reference from the place of employment regarding position, salary and work experience in the given company  

 

SMS service

terms and conditions

* card expiry

* loan or overdraft maturity upon customer request

* (line of credit) overdraft repayment date and amount drawn from the account  upon customer request   

* annual service fee

* loan or overdraft monthly repayment  upon customer request

 

 

 

    AMD 30.00

 




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