Fibank 
Rescheduling of payments with a Fibank credit card
- Rescheduling of payments with a Fibank credit card
Suitable for
Individuals - holders of Fibank credit cards
Advantages
Optimal cost management
Conveniences
Cost planning with fixed monthly installments, customized repayment plan
We have the pleasure to present you the new Fibank credit card functionality: "Rescheduling of payments with credit card".
Advantages:
- Possibility of rescheduling the payments in equal monthly installments with a Fibank credit card;
- An innovative and easily accessible option managed entirely digitally by the customer through MyFibank platform;
- A flexible solution for payments made at retail outlets and on the Internet without the need to apply for an additional credit product;
- Optimal management of costs by rescheduling the payments made;
- The customer himself chooses the period of rescheduling.
Rescheduling parameters
| Amount of payment: | from BGN 100 up to the amount of the credit card limit; |
|---|---|
| Period: | from 2 to 36 months depending on the value of the purchase; |
| For payments in the amount: |
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| Commission for rescheduling: | 1% per month of the purchase amount; *When rescheduling payments in equal monthly installments, the Bank does not charge the standard credit card interest on the value of the transaction, but only a commission determined for the period of rescheduling, which is collected in equal installments together with the part of the principal; |
| Example of rescheduling: | Purchase worth BGN 300, spread over 6 months:
BGN 300 (payment value) 6 months (grace period) Commission value per month – BGN 3 (300*1%) Monthly installment: BGN 53 (300/6 + 3) Total: BGN 318. |
Conditions
- The service is available to individuals through My Fibank electronic banking and My Fibank mobile application;
- The payment must be made with a credit card issued by Fibank;
- The payment should be of a minimum value of BGN 100;
- The payment should be within the available credit card limit;
- The customer should apply for a rescheduling;
- Rescheduling can be requested within the accounting period in which the payment was made (from the 20th of the month to the 19th of the following month);
- No rescheduling scheme applies to transactions made on betting and gambling sites, topping up micro-accounts and transferring funds that are not processed as payment for the purchase of goods or services.
What does the service "Rescheduling of payments with a Fibank credit card" represent?
- The service represents an opportunity for optimal management of costs through an innovative and easily accessible option in MyFibank. The customer himself chooses the period of rescheduling, thus the customer can plan and optimize their budget.
2.Who can benefit from the service "Rescheduling of payments with a Fibank credit card"?
- Individuals who are holders of a credit card issued by Fibank. The service is applied for and managed through My Fibank electronic banking platform.
3. How to apply for "Rescheduling of payments with a Fibank credit card"?
- If you apply for the service through My Fibank mobile application:
After logging into the online banking system -> "Products and services" -> "Rescheduling of payments with credit card ", the customer must select the payment they wish to reschedule and the period of rescheduling. The rescheduling option is available only to the account holder and cannot be used by a cardholder who is an individual other than the account holder.
After confirming the selected option, the customer can view the requested rescheduling in the "Ordered documents" menu
In tab "Active payments", the user has the opportunity to view the active rescheduled payments. A list is displayed and when a specific transaction is selected, a "Rescheduling Details" screen opens.
- If you request the service through My Fibank electronic banking (web/desktop):
After logging into the system -> Cards -> Rescheduling of payments, the customer must select the payment they wish to reschedule and the period of rescheduling. The rescheduling option is available only to the account holder and cannot be used by a cardholder who is an individual other than the account holder.
The customer must select the period of rescheduling and then press the "Calculate" button. A repayment schedule appears, which the customer applies and confirms the application for rescheduling.
After confirmation, the customer can view the requested rescheduling in the "Ordered documents" menu.
In Rescheduling tab under the new payments, the user has the option to view active rescheduled payments. A list is displayed and selecting a specific transaction a "Transaction Details" screen is opened.