SHEET CREDIT CARD VISA Barclaycard TOP TRAVELLER INFORMATION ON BANK
Title Barclays Bank PLC
Registered Office: 1 Churchill Place London E14 5HP (UK)
See Italy: Via della Moskva 18-20121 Milano
Tel: 800 205 205
Internet Address: www.barclays.it
Email address: info @ barclays.it
ABI Code: 3051
Registration Number of Banks:
4862 Number of Companies Register of Milan - 80123490155 - REA Milano n. 1040254
System for ensuring that the Bank adheres: Financial Services Compensation Scheme (FSCS)
Capital: Capital acted £ 3,000,000,000 - Capital paid £.
2336000000 VAT: 04826660153
The Bank is subject to supervision by the Financial Services Authority (FSA) and as the Italian branch of Community Bank, supervised by the Bank of Italy,
for matters assigned to it. Mod
10131 and WEB. First Name Last Name No. 01/11
Iscr. register
Address Tel E-mail
DOOR SELLING WHAT 'CREDIT CARD
Le carte di credito sono emesse da banche e da altri intermediari finanziari con la sottoscrizione di un contratto con il titolare della carta. Per la funzione creditizia
da esse svolta, tali carte vengono rilasciate dopo un’attenta valutazione della solvibilità del cliente da parte dell’emittente; di solito viene fissato un limite mensile
massimo di spesa consentito, raggiunto il quale la carta non può essere utilizzata. La carta di credito consente di acquistare beni e servizi in Italia e all’estero
presso gli esercenti convenzionati con la banca o la società che ha emesso la carta senza pagare contestualmente il relativo prezzo in contanti. La carta può essere
usata indipendentemente dalla disponibilità of funds in the account when the expenditure is made, the necessary funds to cover operating expenses
carried out must be present when the charge is the amount owed. To make the purchase, the holder, in general, the
affix his signature on the receipt of payment, such signature shall conform to that which has attached to the back of the card when it was received.
E 'should sign your name on the back of the card as soon as it becomes available.
credit card also allows you to withdraw cash, both in Italy and abroad through bank branches or automated teller machines (ATMs) provided
members of an international brand, in this last case, for every withdrawal must type a PIN assigned to the card at the time of its release.
Unlike the debit card, in the case of cash withdrawals with the credit card charge on your statement is late as in the case of
payment of purchases: which is why it is called "advance" rather than draw cash. The operations of "advance" cash
are subject to payment of a fee (fixed or a percentage of the amount withdrawn), established by the bank or company that issued the card.
credit card has a limit of Use of the credit granted to the Holder ("upper limit"), determined by the issuing bank and reported to
customer at the time the application for the credit card. The maximum and how to use the credit card issuer
may be modified at any time, by written notice informing the owner.
core service, the holder of the credit card, you can pay in installments payment of goods purchased (taking advantage of the revolving mode) after
interest payment. The customer may be offered additional services associated with the use of more paper, free or paid, as well as promotions
di condizioni migliorative, indicate al cliente per il tramite di apposite comunicazioni. Tra questi ci sono: “PagoPoi” (che permette di rimborsare anche un solo
acquisto di taglio pari o maggiore a 100 euro effettuato con la Carta di Credito Barclaycard), “Subito in Conto” per trasferire contanti direttamente dalla carta di
credito al conto corrente. La Carta di Credito valida, emessa ed attivata, comprende i benefici delle polizze gratuite “Furto e Smarrimento”, “Protezione Acquisti“,
“Garanzia Viaggio”, “Sicuri Online” e “Miglior Prezzo”. La garanzia “Furto e Smarrimento” ha per oggetto le perdite pecuniarie sopportate following objections
resulting from the use of fraudulent credit card, while ensuring "Security Purchases", provide for the reimbursement for goods purchased with the credit card
, the purchase price of the property in the case of aggravated theft, or the cost of repair of the goods damaged in case of accidental damage.
"Extended Trip" covers injuries suffered by the owner but the same traveling as a passenger on board a vehicle or a rental car,
provided the ticket for travel or car hire has been paid with a credit card. The same guarantee also covers
inconvenience sustained during the trip (Delayed baggage, flight delay and flight cancellation) and daily per diem for hospitalization for injuries suffered during a business trip or pleasure
. The Guarantee Safe Online "reimburse purchases made online in the event of a dispute for non-compliance of the asset, non-delivery of goods or
of property damaged. The warranty "Best" provide for the reimbursement to the owner the difference between the price paid for the purchase of the property with the Charter
Insured and the price found at another store in the same well again, same brand and same technical .
The credit card holder can perform foreign exchange transactions. These operations will be converted into euros at the exchange rate applied by the international circuits
. For they will be charged a commission, as quoted in "Summary of economic conditions." The exchange rate applied daily
is available online at Visa Europe: www.visaeurope.com / fxcalculator / main.jsp ".
The customer may be offered additional services associated with the use of more paper, free or paid, as well as promotion of better conditions,
given to the customer by means of appropriate communications.
Here are the main risks associated with using credit cards:
- use of fraudolendo paper by a third party not entitled, in case of loss or theft. In that regard, the holder must take care with the utmost care and attention
credit card and store the PIN itself, avoiding to write code to keep it with paper.
If lost or stolen credit card, the holder must immediately request the same block in the manner
contracts;
- variation / application of economic conditions to the customer (interest rate, fees and charges of service);
- can change the exchange rate, in the case of transactions in currencies other than Euro. The exchange rate applied daily is available online at
Visa Europe: www.visaeurope.com / fxcalculator / main.jsp
Read more:
services, financial education "Know and Decide" facing the city are available at http:// www.bancaditalia.it / servizi_pubbl / about / maps.
annual rate. It is the interest rate, expressed as a percentage on an annual basis, applied to the gross amount of funding
. TAN does not enter into the calculation of charges which provisional regions, costs and taxes.
Annual Percentage Rate. It is an index expressed in percentage terms, to two decimal places on an annual basis, the cost
total funding.
Limite di utilizzo, stabilito dalla Banca, corrispondente al massimale del credito concesso.
Importo dovuto dal Cliente per ogni anno di titolarità della carta di credito.
Numero di identificazione personale necessario per le operazioni di prelievo contante.
TAN
TAEG
LIMITE DI FIDO
QUOTA ASSOCIATIVA
PIN
PRINCIPALI CONDIZIONI ECONOMICHE - CARTA DI CREDITO BARCLAYCARD TOP TRAVELLER VISA
Le voci di spesa riportate nel prospetto che segue rappresentano, con buona approssimazione, la gran parte dei costi complessivi sostenuti da un consumatore medio titolare
di una carta di credito. Questo vuol dire che il prospetto non include tutte le voci di costo. Alcune delle voci escluse potrebbero essere importanti both in relation to the operation of the paper is
single individual customer. Before you select and sign the contract is therefore necessary to carefully read the section "Other economic conditions."
* Maximum operating conditions applicable to the contract, however, lower than the threshold anti wear rates recorded quarterly by the Bank of Italy. TAN and the APR applicable to the agreed credit limit
, please refer to the letter sent by the Bank for the purpose of the contract. The percentage rate Average (TEGM) provided
art. 2 of the usury law (LN 108/1996) relating to financing operations, may be consulted in filiale e sul sito internet della banca www.barclays.it.
** Il tasso di cambio applicato giornalmente è consultabile sul sito Internet di Visa Europe: www.visaeurope.com/fxcalculator/main.jsp
ALTRE CONDIZIONI ECONOMICHE - CARTA DI CREDITO BARCLAYCARD TOP TRAVELLER VISA
RECESSO E RECLAMI
RECESSO DAL CONTRATTO
Si può recedere dal contratto in qualsiasi momento senza preavviso, senza spese e senza penalità
TEMPI MASSIMI DI CHIUSURA DEL RAPPORTO CONTRATTUALE
Entro 15 giorni dalla comunicazione di recesso, il Cliente deve rimborsare alla Banca tutte le somme eventualmente ancora dovute in relazione al Contratto e
deve restituire la Carta di Credito e le eventuali Carte di Credito Aggiuntive, opportunamente Undo, Cut each into at least two parts.
CLAIMS The customer can complain to the bank, even by registered letter with return electronically reclami@barclays.it, address Viale Forlanini, 23 - 20134 Milano
. The intermediary must respond within 30 days, while complaints concerning investment services must respond within 90 days.
In both cases, if the Bank agrees to the client must communicate the time frame within which it is obligated to provide otherwise, must set out the reasons for not upholding the complaint
. If the customer is not satisfied with the outcome or did not receive a response within the time allowed, before resorting Customer may apply to the Judge:
in case of disputes regarding transactions and banking and financial services:
- Arbitrator banks and financial (ABF): if the facts alleged is subsequent to the date of 1 .1.2007, up to € 100,000 if the request relates to
the payment of a sum of money, regardless of amount in all other cases;
- the Mediator for banks and financial institutions, even in the absence of prior complaints.
In the case of disputes concerning services and investment activities:
- Ombudsman Legal Banking Ombudsman, with offices in the Dark No shops 54-00186 Rome, within two years after the fact in dispute, within the limits of € 100,000 if the
request relates to the payment of a sum of money, regardless of amount in all other cases;
- the Chamber of Conciliation and Arbitration with Consob, once operational, to disputes about compliance by the Bank
of disclosure, fairness and transparency requirements in their contracts with investors;
- the Mediator for banks and financial institutions, even in the absence of prior complaints.
all'ABF The Practical Guide is available to clients at every branch and on the website of the Bank. LEGEND
Updated 01/01/2011
Max Limit use Custom
TAN (credit limit not exceeding € 5,000.00)
18.99% APR (credit limit not exceeding € 5,000.00) 20.73%
TAN (credit limit of more than € 5,000.00) 12.25% APR
(higher credit limit to 5,000, € 00) 12.96%
Membership Fee: - € 30.00
first year - the second year onwards € 50.00
built-rata costs € 0.00
Frequency and method of calculating interest arrears
Monthly Cost € 0.00 card issuance fee
investigation
€ 0.00 Stamp duty on e / c more than € 77.47 € 1.81 (0.00 € if the Bank is supporting Barclays Bank)
production and transmission statement by mail € 0.77
Production and delivery statement previous months commissions
€ 1.55 € 0.00 toll
Commissions on refueling service
€ 0.00 € 0.00
Barclaycard Account Online Insurance "Theft and Loss" and "Protecting acquired" 0.00 €
Insurance Guarantee Journey, "" Safe Online "and" Best "Program
€ 0.00 € 0.00 points Top Traveller
Commission reminder payment rate - 1.50 Single Action Late payment
€ € 5.00 € 0.00
commissions exceeded Fido
Currency charge from statement date 15 days after the closing and / c Commission for cash withdrawal
€ 2.58 + 4% of the amount withdrawn
Cash Account
€ 0.00 Default interest for late monthly payment equal to TAN
Operations foreign countries outside Europe 2.00%
operations in foreign countries outside the Euro 0.25%
COSTS VARIABLE COSTS ** FIXED RATES *
Barclaycard Alerting Service -
€ 1.50 monthly fee Replacement card / emergency € 0
