«Instalment-Vicotec»

“Instalment” plastic card – is payment card with special design, which is aimed for settlements in trade points both at the expense of own funds and at the expense of set credit limit, and also simultaneously it is discount card in network of «Vicotec» shops (maximal discount amount 6%).

Cards privileges

• Absence of initial expenses for drawing, setting of limits and card deblockage, i.е. card is drawn free of charge!
• Opportunity to pay for purchases at any shop where POS-terminal is installed all over territory of Ukraine.
• Opportunity to get cash at any ATM all over Ukraine.
• You can decide independently when it is necessary to use credit, - under contingencies it is possible to use credit limit which is constantly available.
• Convenience in usage – with the help of card you can immediately pay for purchases and then gradually return debt.
• Opportunity to use card for many times – repaid part of credit becomes available to usage again! Revolver sphere of crediting is realized (with self-renewable credit while debt repayment).
• There is no necessity to draw documents on credit every time, it is enough once to draw card with necessary credit limit and to use credit means at any necessity at any time.
• Especially for shops of «Vicotec» network Bank provides discount as preferrencial interest rate (decreased on 6% in comparison with standard).

We pay your attention that issue of these Cards (and corresponding PIN-envelopes) is performed by employees’ of «Vicotec» company. While Card issuing it is only discount card of the company. Credit limit on this Card is set only with Client’s wish on its activation. It is possible to activate Card and set limit on it having drawn necessary documents with Bank’s manager, working in «Vicotec» shop, or at any Bank’s outlet. Cards drawing at other points of credits issue (located in «Vicotec» shops) is forbidden.

Card limitation

1. Credit limit can be set to any amount.
2. «Instalment» credit card can be drawn for persons that provided passport of citizen of Ukraine
3. Age qualification of “Instalment” cardholder - from 21 to 65 years old (inclusive).
4. Client’s time record:
   • with credit limit amount by UAH 5 000 – 0,5 years;
   • with credit limit amount more than UAH 5 000 - 2 years.
5. Credit limit under “Instalment” card can be set under condition of absence in Client of delay debt on active and/or closed consumer credit).

Necessary documents list

bligatory:

• Passport of citizen of Ukraine;
• Original certificate about individual’s identification number appropriation – tax payer (if there is no identification number due to religious views, corresponding none should be in passport);
• Original income certificate from job for last 6 months.

Additionaly (with credit amount more than UAH 5000):

• Copy of work record card certified by enterprise seal corresponding employee’s signature;
• Document certifying Client’s ownership for real estate;
• Other documents (if any), which can confirm financial stability and Client’s social status (foreign passport, driving permit, documents on car and etc.).

Clients that have not drawn up consumer credit in PRAVEX-BANK earlier and want to draw up credit card should provide income certificate for the last 6 months.