CKB VISA GOLD REVOLVING
CKB VISA GOLD REVOLVING 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 VISA acceptance mark.
Target clients
CKB VISA GOLD 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 VISA Gold Revolving card, you can:
- be approved a high credit limit
- repay the debt in the amount of the minimum monthly repayment, which 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 VISA acceptance mark
- make contactless payments
- make online payments for goods and services
- check the balance at your account at CKB ATMs
- buy top-ups for mobile networks 067, 068 and 069 at POS terminals of our Bank, from authorized dealers
If you want this card, you can download the application form here.
Debt repayment method
The CKB VISA GOLD Revolving credit 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.
3D Secure service
Crnogorska komercijalna banka has provided to its customers, cardholders of MasterCard and VISA, even greater security in transactions on the Internet by introducing a new system of additional data verification, 3D Secure.
3D Secure is international security standard for verifying the accuracy of the cardholder data when paying on the Internet and was developed in order to prevent card abuses, i.e. unauthorized use by third parties. More
Fees
For pricing of cards issued until December 14, 2020, see our tariffs.