Useful information about Bonus Card
1. CREDIT CARD
What should I do if my credit card application has been approved but I didn’t get the card?
To enter into the possession of the credit card, please contact your Garanti BBVA consultant or call Customer Communication Center toll-free telephone number 0800 80 1234, anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How can I get more details about my credit card application status?
To learn the status of your credit card application, visit any Garanti BBVA agency or call the Customer Communication Center toll-free telephone number 0800 80 1234, anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
I changed my last name – how can I benefit from the updated credit card?
We will need you to bring with you your new identity card and file an application in the nearest Garanti BBVA agency.
How can I increase my credit card limit?
You are being invited to the nearest Garanti BBVA agency to apply for an increased credit card limit.
2. SUPPLEMENTARY CARD
How can I apply for a supplementary card?
You can ask for a supplementary card to be issued in any Garanti BBVA agency or call the Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How is the daily supplementary credit card limit set?
Given that you are the primary card holder, you decide the daily credit limit for the supplementary card. Indicate the exact credit amount the moment you ask for a supplementary card.
Can I diminish the daily credit card limit?
Yes, you can. All you need is to visit the nearest Garanti BBVA agency and file in the application.
How can I pay the minimum for the supplementary card?
There is no minimum payment for the supplementary card. All transactions that have been performed with the primary credit card and the secondary credit card/s can be found in the primary credit card statement.
3. CREDIT CARD PIN
How can I learn the Bonus Card PIN Code?
You can set up your PIN code by calling the Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
In case I forget the PIN code, how can I learn it again?
You can reset your PIN code by calling Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How can I change the PIN code from my credit card?
Your credit card PIN code can be changed by calling Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
4. THE GRACE PERIOD
What is a grace period?
The grace period is the period in which the Bank does not charge interest for the overall value of the transactions made to merchants and/or shopping using installment payment, highlighted in the credit card statement, provided that the current debt/the total of the current debts are paid in full by the due date.
This benefit is not granted in case the amount due/ total current debts from the account statement are not paid in full at the latest on the due date.
The grace period can span up to 50 calendar days, depending on the purchase date, the calendar day number in a month and the due date. To benefit from the maximum grace period of 50 calendar days, you must use your credit card starting the first day of the transaction cycle.
Transactions such as cash withdrawals do not benefit from the grace period.
To benefit from this facility, you have to start the transaction cycle without any debt to the Bank and reimburse the used amount of money in full by the end of the grace period.
For example, let’s consider a credit card with a limit of 3.000 RON and a grace period of 50 calendar days. In September, the transaction cycle starts on the 1st of September and ends on the 30th of September, while the grace period expires on the 20th of October.
On the 5th of September, there is a purchase made in stores of 500 RON, while on the 20th of September there is another one of 500 RON. Hence, at the end of the month, when the credit card statement is drawn up, the client appears with a balance of 1.000 RON.
Given that at the beginning of the month the client did not have any amount of charges owed to the Bank, they can benefit from the grace period. Therefore, should they reimburse the amount of money in full by the 20th of October, they won’t be charged any interest.
However, should they reimburse only 500 RON, the Bank will charge interest for the entire period.
5. HOW INTEREST RATE WORKS?
The credit card allows the owner to access a limited amount of money provided by the Bank and have a grace period in which the client is not charged any interest for their purchases. The interest is charged only when the amount of money owed to the Bank is not paid in full until the monthly due day, as well as for the cash withdrawals.
For cash withdrawals, the Bank will charge interest starting from the cash withdrawal date up to when the client reimburses the withdraw cash, inclusively.
The purchase interest applies to the owed amount of money, excluding the total sum of money coming from cash withdrawals, starting from the day of the last credit card statement up to the day of the first purchase, should the card owner issue by the due day at least the minimum payment, if not the whole debt (the total of the current debts) highlighted in the credit card statement.
For the rest of the calculated period until the next credit card statement, the interest will be applied starting with the unpaid amount of money owed to the Bank.
When the card owner pays for the entire debt visible in the credit card statement, the Bank does not charge interest for the purchase value made to stores or by using installment payment.
In case the card owner does not issue at least the minimum payment, the Bank will charge the penalizing interest.
For example, let’s assume we have a credit card with a limit of 3.000 RON and a grace period of up to 50 calendar days. In September, the transaction cycle starts on the 1st of September and ends on the 30th of September, while the grace period expires on the 25th of October.
Case A: On the 5th of September, there is a purchase made in stores of 500 RON, while on the 20th of September there is another one of 500 RON. Hence, at the end of the month, when the credit card statement is drawn up, the client appears with a balance of 1.000 RON.
- If the client reimburses only 500 RON till the 20th of October, the Bank will charge interest for the entire period, meaning from September 5th to October 20th, for the 500 RON and from September 20th to October 20th for the other 500 RON.
- If the client reimburses 1.000 RON until the 20th of October, the Bank will not charge interest.
Case B: On the 5th of September, there is a cash withdrawal of 500 RON from an ATM. Therefore, at the end of the month when the credit card statement is released, the client appears with a balance of 500 RON + the interest resulted from the cash withdrawal, calculated from September 5th up to the credit card statement release day.
How is the interest applied?
For instance, the current interest plan for the Bonus Card is of 27.6%, this being an annual interest.
If we take case B, from the previously provided example, “On the 5th of September, there is a cash withdrawal of 500 RON from an ATM. Therefore, at the end of the month when the credit card statement is released, the client appears with a balance of 500 RON + the interest resulted from the cash withdrawal, calculated from September 5th up to the credit card statement release day”, the interest is applied as it follows:
The cash withdrawal of 500 RON * number of days (September 5th – October 1st, the period in which the client benefits from that amount of money) = 25 days * daily interest (27.6% / 360 days) = 0.077%. The interest the client will have to pay at the end of the month, according to the credit card statement, is 9.6 RON.
6. MINIMUM PAYMENT
How can I automatically issue the minimum payment for Bonus Card?
If you wish to have your minimum payment automatically withdrawn from your bank account at the due day, please go to any Garanti BBVA agency to check this option from inside Garanti BBVA Online, our Internet Banking service, or call Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number. Please mind that your bank account has the necessary amount of money when the due day comes.
Can I automatically issue the minimum payment for Bonus Card from the confirmed credit card limit?
It is not possible to issue the minimum payment from the confirmed credit card limit. The minimum payment can be automatically retained from your current bank account only, when the due day comes, following the debiting option set up.
What happens if I issue the minimum payment only?
The minimum payment represents the amount of money the client must pay when the due day comes, applied as 3% (1) of the used credit limit owed at the end of a transaction cycle (except future maturity rates) to which the Bank adds (2) 100% credit card costs, plus (3) 100% interests, plus (4) 100% sums resulted from exceeding the credit card limit, plus (5) 100% penalties, plus (6) 100% remaining debts, according to The List of Rates and Commissions for Credit Cards for Individuals displayed in any Garanti BBVA agency.
In case you pay the minimum payment only, the Bank will charge interest for the entire period, starting with the purchase day up to the debt payment day.
By issuing the minimum payment only, you cannot benefit from grace period.
In case you don’t issue at least the minimum payment, the Bank will apply the penalizing interest.
7. CONTACTLESS TECHNOLOGY
Pay quickly by simply approaching the card to a POS/ terminal with Contactless functionality without entering the PIN code for transactions up to 100 RON. Activating or deactivating the Contactless functionality can be done by calling the Communication Center service or by going to the Garanti BBVA agencies.
The cumulative limit for contactless transactions is 700 RON.
The cumulative amount that can be spent for contactless transactions is 700 RON, once you surpass this threshold the PIN will be required.
Faster payment by simply holding your card very close to a POS/card terminal with a contactless functionality without having to enter the PIN code for transactions up to 100 RON. Only for the first transaction card inserting in POS device and PIN code will be required. The activation or deactivation of a contactless functionality can be done by simply calling the Customer Relations Service or by going to one of the Garanti BBVA agencies.
8. SAFETY
What should I do when I lose my credit card or it is stolen from me?
In the event of losing and getting your credit card stolen, call Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number and immediately report your loss in order to block it and benefit from the necessary guidance.
The Bank will proceed to block the access to your credit card immediately after receiving your call regarding the loss/stealing of your credit card or suspicious transactions.
Call the telephone number provided on the back of your credit card for any doubt you have regarding the use of the credit card in an ATM/POS.
In case you suspect a credit card fraud, contact the Bank immediately and call Customer Communication Center 0800 80 1234 or + 40 21 200 94 94.
9. ONLINE TRANSACTION AUTHORIZATION
In order to authorize online payments with any card issued by Garanti BBVA, you can choose one of the following methods to authorize the transactions:
- Authorize by Touch ID and Face ID - is available to clients who use iPhone devices with Touch ID (fingerprint) or Face ID (face recognition) and who have the Garanti BBVA Mobile Banking app;
The PASSWORD is the same a client uses for identification in connection to the Bank; this password is requested of clients for activating the card (setting the PIN for the card) or in other cases when a client calls Customer Communication Center for personalized information;
The unique verification code received by SMS will be sent on the phone declared by the client in connection to the Bank.
- Authorize with password and a unique verification code received by SMS - is available to all clients.
Very important!
Make sure you remember your password you defined in connection to the Bank.
If you cannot remember this password, you will need to set a new one. This password is essential for your identification, so setting up a new one will require you to visit any Garanti BBVA agency.
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