WHAT ABOUT THE BANK 'CREDIT CARD
Credit Cards are issued by banks and other financial intermediaries with the signing of a contract with the cardholder. For the function they perform
credit, these cards are issued after a careful assessment of customer creditworthiness of the issuer, usually a fixed monthly limit
maximum spending allowed at which the card can not be used. A credit card allows you to purchase goods and services in Italy and abroad at
merchants with the bank or company that has issued the same card without paying its price in cash. The card can be used
irrespective of the availability of funds in the account when the expenditure is made, the necessary funds to cover expenditure incurred
must be present in the occurrence of the charge of amounts due. To make the purchase, the owner generally
affix its signature on the receipt of payment, such signature shall conform to that which affixed 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
participating in 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: for this reason that is called "advance" rather than withdraw cash. The operations of "advance" cash
are subject to the payment of a fee (fixed or a percentage of the amount withdrawn), established by the bank or company that issued the card.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 maximum use of the credit limit granted to the Holder ("upper limit"), determined by the issuing bank and reported to the customer
at the time the application for the credit card. The maximum and how to use the credit card issuer
may be amended at any time, informing the owner via communication written.
core service, the holder of the credit card, you can pay in installments payment of goods purchased (taking advantage of the revolving mode)
upon payment of interest and, upon request, will join the voluntary program of insurance (the "insurance program") to cover the repayment of the credit
associated with the financing, compared to the risks of death, loss of employment, permanent total disability, serious illness, hospitalization and for
exclusive Barclays Bank Plc, where the rules are in the Annex to the General Conditions of contract for issuing credit cards. The customer can
be offered more additional services associated with the use of 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:
- fraudulent use of the card by a third party is 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.
In case of loss or theft of credit card, the holder must apply immediately block it, the manner in contracts;
- variation / application of economic conditions to the customer (interest rate, fees and expenses of the service);
- can change in the exchange rate, in the case of foreign exchange operations other than U.S. dollars.
Read more:
services, financial education "Know and Decide" facing the city are available at http://www.bancaditalia.it/servizi_pubbl/conoscere/Carte.
The product (or offer) is reserved for Barclays current account.
Information Sheet Credit Card Barclays Premium
www.barclays.it
Barclays Bank PLC - Admitted to delle Banche n. 4862 - Reg. Impr. Milano n. 80123490155 - R.E.A. Milano n. 1040254 - Cod. fiscale 80123490155 - Partita Iva 04826660153
Sede Legale: 1 Churchill Place London E14 5HP - Sede Secondaria: via della Moscova 18 - 20121 Milano - Capitale deliberato £ 3.000.000.000 - Capitale versato £ 2.336.000.000.
Barclays Bank PLC è regolata dal Financial Services Authority (FSA). Registrata nel Regno Unito - Registrazione n. 1026167
Denominazione: Barclays Bank PLC
Sede Legale: 1, Churchill Place London E14 5HP (UK)
Sede in Italia: Via della Moscova 18 - 20121 Milano
Tel: 800 205 205
Indirizzo Internet: www.barclays.it
Indirizzo Email: info@barclays.it
Codice ABI: 3051
Numero d’iscrizione all’Albo delle Banche: 4862
Numero di iscrizione al Registro delle Imprese:
Milano - 80123490155 - R.E.A. Milano n. 1040254
Sistema di garanzia cui la Banca aderisce:
Financial Services Compensation Scheme (FSCS)
Capitale Sociale:
Capitale deliberato £ 3.000.000.000 - Capitale Versato £. 2.336.000.000
Partita IVA: 04826660153
La Banca è soggetta alla vigilanza della Financial Services Authority (FSA)
e in qualità di succursale italiana di banca comunitaria, alla vigilanza di Banca
d’Italia, per le materie ad essa attribuite.
Offerta fuori sede
Nome e Cognome Qualifica N° iscr. albo
Indirizzo Telefono Email
Aggiornato al 05/07/2010
FI – 6 – 05/07/2010
CONDIZIONI ECONOMICHE* - CARTA DI CREDITO BARCLAYS PREMIUM
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
in relazione sia alla singola carta sia all’operatività del singolo cliente. Prima di scegliere e firmare il contratto è quindi necessario leggere attentamente
anche la sezione “Altre condizioni economiche”.
TASSI
TAN Limite di credito not exceeding € 5,000.00: 15.72%
credit limit exceeding € 5,000.00: 12.25% APR
credit limit not exceeding € 5,000.00: 16.90% Credit Limit
than € 5,000.00: 12.96%
default charges to TAN
FIXED COSTS
Annual fee -
first year - second year
€ 0 € 0
Frequency and method of calculating interest arrears
Monthly Fee Additional cards annual fees € 0
sending statement of account (for balances greater than € 10.00) € 0.77
Stamp duty exempt
Reminder charges € 1.50
Commission exceeded credit limit € 0
RID Committee refused
costs € 5.00 € 0
reissue paper currency charge from 25 days after statement date
COSTS VARY
Commissions Cash Account 1% minimum monthly repayment
E 'the higher of 3% of the balance and cash advances
€ 7.50 (€ 2.50 min) 4% Commission
additional cash advance in foreign currency
1.75% Other foreign currency transactions 1.75%
Insurance "Buy Safe & Price Protected "
OTHER ECONOMIC CONDITIONS - CREDIT CARD BARCLAYS PREMIUM
€ 0
copy of bank statement required for expenditure above € 3.00
Expenditure on request copies of document retrieval spending
expenses not reported
Optional insurance € 0 "Cards Protected - Value" € 35.00
Insurance "Cash Protected" Included in the product included in the product
No more than € 2,000.00 spending per transaction
* Maximum operating conditions applicable to the Contract, a rate lower threshold anti wear rates recorded quarterly by the Bank of Italy.
For TAN and APR applicable to the agreed credit limit, please refer to the letter sent by the Bank for the purpose of the contract. The rates of charge
Average (TEGM) provided by art. 2 of the usury law (LN 108/1996) relating to financing operations,
can be consulted at the branch and on the website of the bank www.barclays.it.
Updated 05/07/2010
TAN annual rate. It is the interest rate, expressed as a percentage on an annual basis, applied to the gross amount of the loan. When calculating the TAN
not enter charges such fees, expenses and taxes.
APR Annual Percentage Rate. It is an index expressed in percentage terms, to two decimal places on an annual basis, the cost
total funding.
CREDIT LIMIT Limit use, established by the Bank, corresponding to the maximum amount of credit granted.
FEE / ANNUAL FEE
Amount due from customers for each year of ownership of a credit card.
PIN Personal identification number needed to make a cash withdrawal operations.
WITHDRAWAL AND COMPLAINTS
Termination
You may cancel the contract at any time without notice, without charge and without penalty.
Time limit
closing of the contract within 15 days of notification of withdrawal, the customer must repay the Bank any amount may still be payable in connection with the Contract and must return
Credit Card and any Additional Credit Cards, appropriately Undo, Cut each into at least two parts. Complaints
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 state the reasons for the rejection of the claim. If the customer is not satisfied with the outcome or did not receive a response within the time allowed, before resorting to the court
Customer may contact:
• in case of any dispute transactions and banking and financial services:
- Arbitrator banks and financial (ABF): if the facts alleged is subsequent to the date of 1 January 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 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 has
subject 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 with the obligations of the Bank
Information, 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 05/07/2010
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