HANDBOOK FOR HOLDERS OF CREDIT CARDS ISSUED BY UNICREDIT BANK CZECH REPUBLIC, a.s.
CREDIT CARDS We are pleased you have decided to acquire an international credit card from UniCredit Bank. A strong, stable and internationally reputable fi nancial institution, the Bank does its utmost to ensure that the card provides you with maximum advantages, convenience, security and fl exibility. We welcome you to the world of advantages created by international credit cards! This handbook will instruct you in brief how to use your credit card most advantageously. MAIN RECOMMENDATIONS FOR CARDHOLDERS Protect your card against misuse and do not provide it to other persons. Periodically check that your card has not been lost or stolen. In either case, block the card at once by calling the toll-free Client Line at 800 122 221 or +420 224 221 017, the latter of which is available 24 hours a day. Remember your security code (the so-called PIN) and do not communicate it to anyone. When entering the PIN, always maintain a discrete distance from other persons. Before signing a sales receipt, or before entering the PIN, always check the transaction amount and all data that the sales receipt contains. If you wish to make transactions without your card being physically present (i.e. to order goods or services via the internet, by post or by telephone), it is necessary to unlock the card for this type of transaction beforehand through the Client Line. Likewise, the card can be locked after making the transaction. Carefully read and check your account statements or, as the case may be, monitor information on executed transactions in the internet banking application. If you discover any discrepancy, contact the Bank without delay and ask for verifi cation of the questionable transaction. Do not expose the card to a magnetic fi eld and protect it from any kind of mechanical damage. Do not use the card for unlawful purposes. The card is not transferable. Thus, it may not be used by any person other than the one whose name and signature are given on the card.
YOUR VISA, VISA ELECTRON OR MASTERCARD CREDIT CARD You can use your card to make noncash payments for goods or services in a worldwide network of outlets and for withdrawing cash from ATMs or at bank branches bearing a Visa, Visa Electron or MasterCard logo. Your card is equipped with a chip that ensures increased security for payments and for the funds on your account. HOW TO PROCEED AFTER TAKING OVER THE CREDIT CARD AND PIN Immediately sign the card on the signature strip on its reverse side. Your signature will be used as a specimen signature for verifying noncash transactions. Activate your fi rst issued card by calling the Client Line at 800 122 221. For reasons of security, the fi rst issued card is inactive until the time of its activation. You need not activate a card that has been automatically renewed. Considering that you will be asked for confi dential information serving for your identifi cation, it is important that you carry out the activation discretely. Should you have a security token, your authentication should be conducted through the voice responder system. After you successfully enter the aforementioned data, the card will be activated as soon as possible. If you are interested in making payments via the internet or by telephone, you also can request on the Client Line at this time the unlocking of the card for transactions made without the presence of the card and the 3D Secure password used for verifying these transactions. You will receive the PIN (i.e. the personal identifi cation number) separately from the card. Please check the integrity of the envelope when it arrives, and in the event that it is damaged contact the Client Line. After reading the PIN, thoroughly destroy the letter in which it arrived. Please keep your PIN secret, and do not communicate it to anyone. Never keep the PIN together with the card, and do not write it on the card.
YOU CAN NOW USE YOUR CARD FOR MANY USEFUL PURPOSES PAY FOR GOODS AND SERVICES IN STORES Payments by card are simple and represent the most common use of a card. A payment by card can be made in two ways: Payment using an electronic terminal The information on the card is read from the magnetic strip or from the chip on the card. The transaction is confi rmed by entering the correct PIN or by signing the receipt from the terminal. Payment using an imprinter The embossed (i.e. relief) data on the card is imprinted on a paper receipt using a mechanical reader and additional information about the transaction is subsequently added to the receipt. Visa Electron cards cannot be used for this type of transaction. For security reasons, the merchant is entitled to require that you show an identity card. He or she may write down its type and number on the edge of the receipt. If the merchant has any doubts as to your entitlement to use the card, he or she may refuse the transaction. This may occur, for example, if you enter an incorrect PIN (you are allowed two attempts) or if your signature does not correspond to that on the reverse side of the card. After a third incorrect attempt at entering the PIN, transactions requiring use of the PIN will be blocked. To unblock the card, you must always call the Client Line. If the merchant retains your card, insist that it be destroyed in front of you by cutting it in two. We recommend that you always keep a copy of your receipt for possible claims and to check the correctness of the transaction in the account statement.
At some retailers, you may be asked to sign on a signature pad at the check-out terminal, in which case your signature is then transmitted electronically. When paying with a UniCredit Bank card, be sure to ask the merchant about discounts. We have negotiated some attractive terms and conditions for you at select retailers some all year round, others only during certain periods. Always be sure to ask at Čedok and NeoLuxor book stores. WITHDRAW CASH FROM AN ATM You can withdraw cash from any ATM bearing the same logo as is on your card. You will always need your PIN for this transaction. To withdraw cash from an ATM, follow the instructions displayed on the screen. Remove the card and cash without delay. An ATM usually has a set time interval after which the ATM will retain the unclaimed card or cash for security reasons. If you enter your PIN incorrectly, the ATM will allow you to make another two attempts. If you are not successful, you will be unable to make any other transactions with the card. In such case, always contact the Bank s Client Line. Be careful that nobody is observing as you enter your PIN. Cover the key pad with your body or other hand. Until the money is dispensed, you can cancel your transaction at any time by pressing the ZRUŠIT/CANCEL key. The transaction will be cancelled, and the ATM will return your card. If you suspect that there is something wrong with the ATM, do not conduct the transaction, or, as the case may be, cancel it. Some ATMs also offer other functions, such as, for example, verifying an account balance, topping up mobile operators prepaid credits, printing tickets to cultural events, and the like. Always proceed very cautiously when performing any operation.
UniCredit Bank provides the advantages of a Europe-wide bank, and thus the same fees are charged for withdrawals from ATMs abroad within UniCredit Group as for withdrawals from UniCredit Bank ATMs in the Czech Republic. In most countries, there is a maximum limit for a cash withdrawal from an ATM. In the EU, this limit is around EUR 200. Therefore, when entering the transaction amount it is best to choose from the preset transaction amounts. A list of UniCredit Bank s ATMs is presented on its website, www.unicreditbank.cz. For information on ATMs in the Czech Republic, visit www.bankovnikarty.cz. For ATMs around the world, visit www.visa.com and www.mastercard.com under the title ATM Locator. WITHDRAW CASH AT A BANK CASH DESK AND IN EXCHANGE OFFICES You can withdraw cash at any bank cash desk and in exchange offi ces (the so-called Cash Advance service) bearing the same logo as is on your card. Withdrawn cash is paid in the currency of the country where the service is provided. The transaction is similar to a payment for goods or services in stores. The only difference is that you must submit your identity card or passport. The Bank charges a fee for this service along with the Cash Advance transaction. ORDER GOODS AND SERVICES BY TELEPHONE OR POST You can order goods and services easily by telephone or by post if you authorise transactions made without the presence of the card through the Client Line.
Before confirming an order, always consider carefully whether the merchant is trustworthy. Check, for example, whether a full address and claims conditions are published. ORDER GOODS VIA THE INTERNET Making purchases over the internet has become a common part of everyday life. As this is a relatively anonymous transaction, be sure to observe all security rules for paying with a payment card. Should you wish to use the card for such purposes, you must fi rst authorise internet transactions through the Client Line and request issuance of a 3D Secure password for internet transactions. We recommend that you relock the card after executing a transaction. Some advice for making transactions with a payment card via the internet: Only conduct transactions at trustworthy retailers. Verify the merchant s reliability. Only use the card on websites having secure data transmission (e.g. using the SSL protocol). The web address displayed by the web browser should contain https:// and a padlock icon should be displayed (location depends on the web browser). Use websites bearing the card association logos: Never present the payment card s PIN or the numbers of bank accounts or banking passwords. Pay close attention when entering data. In some cases, we recommend leaving out diacritics (e.g. for foreign retailers). With foreign retailers, confirm in advance that they can send goods to the Czech Republic.
RESERVE ACCOMMODATIONS OR RENT A CAR If you are going on vacation and wish to reserve accommodations or rent a car, fi rst authorise the execution of telephone and written orders. You can do this by calling the Client Line. For telephone orders, it is necessary to provide the merchant information about the payment card, including the CVV or CVV2 code stated after the signature strip on the reverse side of the card (last three digits). The merchant may also ask you for the billing address connected with the payment card. Do not forget always to request confi rmation of the executed accommodation or car reservation. If for any reason you will not be arriving at the hotel or will not be picking up the car, contact the merchant in a timely manner and request to cancel the reservation. Should you do so late or not at all, the merchant is entitled, according to international rules, to charge you the amount corresponding to one day s rent for the car or the cost of one night s accommodation.
ARRANGE EXPRESS CHECK-OUT SERVICE Express Check-Out service will enable you to properly pay your bill should you need unexpectedly to leave the hotel. You can arrange this form of payment upon your arrival at the hotel. After your departure, a hotel employee will complete the confi rmation in the usual manner and in lieu of your signature will indicate S.O.F. Express Check-Out. The hotel will send you the original by post. If the hotel receptionist discovers after your departure that the charged amount has not covered all costs (telephone calls, drinks, etc.), the hotel will be authorised to additionally charge the discovered difference in the form of a Late Charge transaction and bearing Late Charge in lieu of your signature. The hotel will send a copy of the receipt to your address and will charge the transaction to your card. HOW TRANSACTIONS AND CHARGES ARE ACCOUNTED FOR The account to which the card has been issued is debited in the amounts of all transactions made with the card as soon as the Bank receives a message from the international clearing network. You are periodically informed in detail about all transactions made with the card by way of your account statements or within the internet banking application. All fees are charged according to the Bank s price list valid as of the day upon which the service was provided or the transaction was charged. You cannot request the merchant to give you cash for goods purchased with a card that you want to exchange or return or for a service purchased with a card but not performed. The merchant will issue either an additional receipt or a so-called credit receipt, the amount of which will be credited to your account for the cancelled or changed original amount paid with the card.
HOW TO DETERMINE THE CARD ACCOUNT BALANCE The Bank will regularly send you a statement from your card account by means of which you will be informed in detail about all transactions executed using your card(s) that the Bank receives by the date of processing the statement. The statement also contains a list of payments and withdrawals as well as the fees connected with account and card maintenance. For cards with a credit limit, the statement also will inform you as to the amount of interest from credits drawn, the amount of the mandatory monthly payment and its exact due date. If for any reason you do not agree with the charged amount given on the statement, contact the Client Line immediately, i.e. no later than fi ve days after receiving the statement. We will provide you the most up-to-date information on your card account balance through the Client Line, or you can obtain it through ATMs that enable this operation. HOW TO USE AND REPAY A CREDIT FOR INDIVIDUAL TYPES OF CREDIT CARDS Visa, MasterCard and Visa Electron with credit limit Based on the evaluation of your application and taking into account your request, a credit limit representing the amount up to which you can draw credit is established. The amount that you may use is renewed by making the individual monthly payments. You may schedule the payments such that they do not jeopardise your budget. However, the mandatory minimum monthly payment, i.e. the established percentage of the total amount due including interest and fees, the amount of which is indicated on the card account statement, must be made. It must be paid such that the amount is credited to your account by the date given on the statement. You can, of course, pay a greater amount or the entire amount due all at once.
a) Paying by direct debit In using a direct debit from your current account, you can leave it to us to handle your payments. At the branch that maintains your current account, assign a direct debit authorisation to account no. 9229050015, bank code 2700, and set a debit limit. No variable, constant or specifi c symbol is required. The optimal limit amount for a direct debit is that of the approved credit limit. If the credit limit changes, be sure to check your direct debit limit against the instalment amount and change it if need be. If you are interested in paying using direct debit payments, contact the Client Line and request to change your method of payment to direct debit payments of 5 100% of the amount due. b) Paying by transfer from an account Of course, you also can make the payments yourself by means of a transfer from your current account. When making a payment by transfer order, always provide as the variable symbol the last 10 digits of your card number. You must submit the transfer order at least 2 4 business days prior to the due date to ensure that the payment is credited on your card account as of the due date given on the statement. If it is a transfer within the Bank, execute the payment at latest on the due date given on the statement. c) Paying by postal order Another possibility is to pay by postal order, i.e. sending money by mail. On a postal order, always provide as the variable symbol the last 10 digits of your card number. This payment method is least advantageous for you, as the bank will not receive the payment for ca 7 business days. Moreover, this form of payment is the most expensive for you. Visa Electron without credit limit If you have a Visa Electron card without a credit limit, you are not permitted to draw a credit. You must transfer to your card account all funds necessary for using this card to pay for goods and services and to withdraw cash. We recommend that you transfer funds regularly by means of a standing payment order. After six months from the issuance of a Visa Electron card without credit limit, and on condition of its active use, you may receive a credit limit on the card. We will provide you information as to the terms and conditions of establishing a credit limit on our Client Line.
Interest-free grace period The interest-free grace period is counted from the date of clearing the payment made at a retailer until the due date specifi ed on your statement, i.e. 14 days from the date of generating the statement (see the fi gure). The interest-free grace period does not apply to cash withdrawals. January February 5. 15. 25. 4. 5. 19. clearing of payments from retailers statement payment account statement cycle from the 5th to the 5th 15 days 25 days 35 days 45 days The length of the interest-free grace period is counted from the transaction clearance date until the payment due date as specified on your card statement. If you pay the entire amount due as of the date given in the statement, you will be able to draw a credit on noncash payments at no interest charge. We will gladly provide you with detailed information as to the process of charging interest on credits and on fees for individual services on the Client Line. You can also obtain information on your current minimum monthly payment on the Client Line or through the Online Card service. There is no need to wait for your statement. For your convenience, we recommend you arrange the direct debit credit payment method. If you arrange direct debit payments at 100% of the amount due and you use the card for noncash payments, your credit will be provided with no interest charges.
HOW TO PROCEED IF YOUR CARD IS LOST OR STOLEN Immediately call our Client Line at 800 122 221, or +420 221 118 540 from abroad. If need be, contact the line +420 224 221 017, which is available 24 hours a day for card blocking. If you cannot contact our bank directly, notify any Visa or MasterCard Association member bank of the card s loss or theft. For your convenience, we recommend that you enter the contact telephone numbers into your mobile telephone or carry a printed card with the aforementioned telephone numbers. You also can find these numbers on our website www.unicreditbank.cz. After you report a loss or theft, the card will be permanently blocked. Also notify the local police of the theft of your card and describe the circumstances under which it occurred. LIABILITY FOR UNAUTHORISED TRANSACTIONS As a cardholder, you are liable for all authorised transactions, damages and costs incurred due to misuse of the card until such time as you request on the Client Line that the card be blocked. Your liability for unauthorised transactions is limited to no more than EUR 150. If your PIN is used in transactions made with your lost or stolen card, you will be liable for all transactions, damages and costs even after reporting the card for blocking. Minimise the risk of damage that you could incur due to misuse of a stolen card. Purchase SAFE insurance, which applies to transactions made using the PIN as well as to internet transactions. Moreover, SAFE insurance covers possible loss of a mobile telephone, personal documents and other personal belongings.
HOW TO PROCEED IF YOUR CARD IS LOST ABROAD? Will the Bank assist me? UniCredit Bank stands ready to assist you in diffi cult situations even when you are abroad. Always contact our Client Line and arrange the means of assistance. We can offer you the following: Issuance of an Emergency Card Sending of Emergency Cash Sending a new payment card after the original card is blocked You also can request to arrange these services through the majority of Visa or MasterCard member banks. (Up-to-date telephone numbers for the Emergency Service at various destinations can be found on www.visa.com in the section Services/Lost Cards or on www.mastercard.com in the section Emergency Services). We recommend that you contact UniCredit Bank s Client Line at +420 221 118 540, where an operator will help you to find the best solution. HOW TO USE THE CREDIT CARD S ADDITIONAL SERVICES TRAVEL insurance You can buy extended travel insurance for you and your family members travelling with you abroad at a very advantageous price. The insurance policy includes medical expenses; assistance services; insurance against loss, theft and damage of luggage; and liability insurance; as well as insurance for summer and winter sports and other insurance, including insurance for accompanying pets. You will be protected during business and private trips and stays abroad of up to 90 consecutive calendar days. Call the Client Line and you can set off on your trip or vacation without worry the very next day.
CREDIT insurance As a cardholder, you also can arrange insurance against inability to make the credit card s monthly payments in case of long-term inability to work, full disability, death, and even loss of employment. You can request this insurance through the Client Line, where you also may obtain precise information as to the extent of the insurance for your credit card. Call the Client Line and safeguard your household budget against long-term loss of income. Online Card If you do not use direct banking with your account maintained at UniCredit Bank, the Online Card service allows you securely to communicate with the Bank via the internet and to obtain information on cleared transactions, payments and arranged services with a history of up to 15 months. You can arrange the Online Card service easily by calling the Client Line. Golf Package If you have a Visa Classic, Visa Gold or Visa ČSA credit card, you can arrange exclusive services intended for golfers. With the Golf Package, any golfer can obtain advantageous green fees at prominent golf courses in the Czech Republic as well as insurance for his or her golf clubs, bag, cart and other golf equipment. Other benefi ts include a cash bonus for hitting a hole-in-one in an offi cial tournament anywhere in the world played under the valid golfi ng regulations (R&A Rules Limited, United States Golf Association and the Competition Rules of the Czech Golf Federation) plus discounts at travel agencies, restaurants and pro shops.
SAFE insurance You can arrange insurance against card misuse in case of loss or theft under very advantageous conditions. SAFE insurance covers transactions requiring the PIN as well as transactions made over the internet. Thus, for a low monthly price, you will obtain very high-level insurance protection. Moreover, you obtain insurance against loss of a mobile telephone together with the payment card. Call the Client Line and ensure greater security for the money in your account. Insurance against card misuse provides a protection period of 96 hours prior to reporting the card for blocking. Membership in the International Airline Passengers Association (IAPA) The IAPA is an international organisation providing services and advantages to its members through an extensive network of hotels and car rental fi rms. Such advantages include, for example, up to 50% off regular rates in a network of over 80,000 hotels around the world and up to 30% off regular rates at car rental agencies. For more detailed information about IAPA, please visit www.iapa.com. Priority Pass The Priority Pass is an above-standard service providing you access to more than 500 special airport lounges in over 90 countries around the world where you can comfortably wait for your fl ight. In these lounges, you will fi nd telephone services, computers, refreshments and other services. For more detailed information, please visit www.prioritypass.com. Compare the prices for Priority Pass services on the internet with our price for this club service. To arrange the service, call our Client Line.
HOW TO USE THE CLIENT SERVICE If you wish to make any changes or obtain information about your card, simply call the toll-free Client Line, 800 122 221. Do you have a mobile token, security token or the Online Card service? Please have your token ready for faster authentication. If you are abroad, call +420 221 118 540. These lines are available from 7:00 a.m. to 10:00 p.m., 7 days a week. In case of emergency (e.g. for blocking a lost or stolen card), call +420 224 221 017 outside the aforementioned business hours. Our website: www.unicreditbank.cz What the Client Line provides: Card activation Changing address, telephone number or the name on the card Accepting requests to decrease or increase the card s credit limit (after 6 months of using the card) Changing payment method, including to modify the amount for direct debit payments Copy of an account statement Details about transactions or limits Filing complaints or claims Card blocking Information about prices and interest rates Arranging TRAVEL, CREDIT or SAFE insurance or the Golf Package Arranging additional services Online Card, Golf Package, IAPA and Priority Pass With Visa Classic credit cards, you can arrange through the Client Line to contribute to one of the selected foundations within the Charity programme. The Client Line is a service line only for cardholders, and therefore every caller is fi rst identifi ed. In accordance with the Business Terms and Conditions, every call is recorded and archived. UniCredit Bank January 2010
We are available: When calling from the Czech Republic, on the toll-free Client Line: 800 122 221 When calling from abroad, on the line: +420 221 118 540 (Both lines are available from 7:00 a.m. to 10:00 p.m., 7 days a week.) In case of an emergency outside the aforementioned hours, call the hot line at +420 224 221 017 www.unicreditbank.cz The Card Service Center is available: for Visa: +1 (0) 410 581 3836 for MasterCard when calling from outside the USA: +1 636 722 7111 for MasterCard when calling from the USA: +1 636 722 7111 ka_aj.indd 1 7/1/10 3:09:33
In communicating with the Client Line, you may be asked to provide the following information: Information about the cardholder (first and last names, birth number or date of birth) Information about the cardholder s or account holder s residence Password Card type, or card number Date and time the card was lost or stolen Information about the last transaction We recommend that you store this card separately from the payment card. ka_aj.indd 2 7/1/10 3:09:33 LB052816.000 1420/7023010 UniCredit Bank Czech Republic, a.s. Na Příkopě 858/20 111 21 Prague 1 www.unicreditbank.cz, tel.: 800 144 441