CKB American Express Blue
American Express Blue is a revolving credit card that you can use to pay for products and services and withdraw cash at home and abroad, up to the amount of the approved credit limit, against minimum monthly debt repayment, at the locations with American Express acceptance mark.
Target clients
American Express Blue revolving credit card is intended for all creditworthy clients who receive a salary/pension in Montenegro.
In order to meet the needs of citizens, CKB also allows those who are not regular Bank clients to apply for this card, as well as persons with a fixed-term employment contract who are able to provide certain collateral.
If you are not employed, you can get a card if you provide a personal deposit as collateral.
Advantages
With American Express Blue card, you can:
- repay the debt in the amount of the minimum monthly repayment that you choose yourself
- avoid any interest if you settle the entire debt by the 15th day of the month
- pay for products and services and withdraw cash at home and abroad at the points of sale with American Express acceptance mark and online
- check the balance at your account at CKB ATMs and other bank ATMs at home and abroad
- buy top-ups for mobile networks 067, 068 and 069 at POS terminals of our Bank, from authorized dealers
With American Express Blue cards, you also get a special benefit:
- 1% cashback on the total amount spent on POS terminals
For more information, please visit www.americanexpress.com/montenegro
Issuance of additional card
The account holder who has American Express Blue card can be issued additional cards. This can make it easier for your family members, your children, students abroad, etc. to use your funds. Additional cards are issued at the request of the basic card holder in favour of another natural person, and all transactions originating from the use of additional cards are debited against the account of the basic card holder.
Debt repayment method
The American Express Blue card works on the principle of revolving credit so that you pay the minimum amount of debt each month, which you choose (5%, 10%, 15%, 25%, 50%, 75% or 100%, and a minimum of €25), and the remaining debt is carried over to the next month. The minimum amount of debt is due on the last day of the month in which the purchase is made. If you settle your entire debt by the 15th day of the month, you will be exempt from interest. Collection of overdue liabilities is done automatically from your transaction account.
Security
- Administrative salary/pension withholding order
- Bill of exchange and authorization for the bill of exchange
- Deposit
- Guarantor (optionally)
There is a possibility of approving a credit limit up to the amount of one salary without an administrative salary/pension withholding order and an employment certificate, for clients who have been receiving their salary/pension through an account with CKB for 6 months.
Documents required
- Signed copy of ID
- Administrative salary withholding order for the applicant
- Administrative pension withholding order for the applicant
- Bill of exchange
- Employment certificate (not older than 30 days) or pension cheque
- Copy of seaman's book (matricula)
- Personal data form
- Consent for access to the Credit Bureau Register (RKB)
- Credit card application form
- Credit limit application form
The Bank reserves the right to request additional security or documents, if considered necessary.
Fees
For pricing of cards issued until December 14, 2020, see our tariffs.