What can you do with your card?
PRIMA and PRIMA GOLD are MasterCard/VISA branded credit cards issued by Banka Kombetare Tregtare. You can use them to perform transactions within and outside the country. You can withdraw cash and make payments with your card wherever you see the logo of MasterCard / VISA. You can make installment payments, collect bonuses for expenses incurred in the merchants that are Prima Extra program partners. You can also use special offers such as interest-free installment purchases, or big discounts offered in various promotional campaigns of Prima card.
How does Prima Card work?
Prima card offers you convenience in managing your expenses. Monthly statements will show in detail your cash withdrawals, as well as purchases of goods and services paid by your card, monthly installments and earned bonuses, so that you verify exactly the total monthly expenses and monitor your personal budget. At your request, this card can be issued along with supplementary cards with limits set by you.
How to read your Monthly Statement?
Card Number: The 16-digit number of the credit card for which it was generated the Monthly Statement
Card Total Limit: The total amount allocated by the bank as total limit available to be spent with your credit card. All supplementary cards share the same limit with the main card.
Cash withdraw limit: The total limit available for cash withdrawals in ATMs.
Account No: Number of the account to which the credit card is linked
Remained Card limit: available limit remained for usage, calculated by deducting the used limit from the total limit of the card.
Total amount to be paid for the period: Total monthly amount.
Minimum Amount to be paid: The minimum mandatory amount of monthly obligation which is shown in the monthly statement and is required to be paid until the last payment date. If not paid in time the card will be charged with penalties such as the Late Payment Fee and Late Payment Interest.
Statement Date: The date on which all card transactions are invoiced to the customer including the previous balance incurred, the interests and fees charged to the customer and the payments performed by the cardholder, a detailed monthly summary showing the dates and amounts of every transaction, the mandatory minimum and the total obligation that the cardholder owe to the bank.
Payment Day: The latest date required to pay the minimim of the total liability.
Transaction date: The date when the card transaction occurred
Description: Describes the type of transactions carried out during the period between the two consecutive monthly statements.
Bonus earned / spent: The amount of bonus earned (if any) by Prima Extra program for each transaction. Prima Extra Program enables the cardholder to earn bonuses (in the form of monetary values or points) for purchases made at merchants that are Prima Extra partners, and have an agreement with the Bank according to the percentage agreed between them.
Amount: The amount of transactions made with the card, charged in local currency ALL.
Installments remained: If the transaction is an installment purchase, this column indicates the amount of each installment and the total number of installments within brackets, and outside them it is indicated which numbered of installment is the one in the current monthly statement.
Actual Balance: The total amount due on the date of your current Monthly Statement and includes the previous and actual obligation.
Previous Balance: Outstanding liabilities resulting unpaid from the previous monthly statement.
Purchases: Money spent on purchasing goods and services with card at POS or Internet.
Payments: Any amount paid by you as a whole or partial repayment of the obligation of your credit card.
Cash Withdraw: Cash money withdrawn from ATM with credit card.
Interests and commissions: The total amount of all commissions and interest, if any, invoices in the current Monthly Statement
Monthly liability for Installment payments: The total amount of all monthly installments invoiced in the current Statement in case there are installment purchases.
Earning Bonus: Cumulative bonus collected from prior period and wasn’t spent.
Monthly Earned Bonus: The total bonuses collected from purchases of the period for which it is generated the current Monthly Statement
Spent Bonus: The total amount of the bonus spent during the period of current statement generated.
Total Bonus: Total Bonus available to spend, as a result of the amount of previous bonuses plus the current monthly earned bonuses deducting the spent bonus.
Card Interest: Normal Interest of credit applied over the remained liability after deducting the mandatory minimum from the total balance of the month. It is applied in the cases when a card obligation is not paid in full before the last payment date. It is calculated for the remained unpaid amount for as many days resulting uncovered.
Late Payment Interest: Interest applied when the Mandatory Minimum in not paid in full before the last payment date. It is calculated over the uncovered amount of the Mandatory Minimum for as many days as it results unpaid.
Late Payment Fee: A fixed fee applied when the payment performed is less than the minimum amount required to be paid.
Cash Withdraw Fee: A fee applied when the cardholder performs cash withdrawal from his card.
Cash Withdraw Interest: Interest applied in case of cash withdraws. It is calculated over the cash amount for as many days as results unpaid.
Overlimit Fee: Applied if the amount spent, exceeds the total limit of the card.
Card Annual Commission: A fixed fee applied every year for the card and services, which is different for Standard and Gold Cards.
Transactions and Disputes: Transactions are considered all actions performed with the card in POS / EFTPOS (Electronic Fund Transfer Point of Sale) and ATMs, in which the card is physically present, as well as via Internet, telephone or other electronic ways of communication in which cards is not physically present.
If you have any objections regarding transactions reflected in the Monthly Statement you should immediately notify the bank in writing within 30 days from the date of the transaction. Otherwise, transactions billed in monthly statement will be supposing accepted by you. If your dispute is rejected, based on the rules of MasterCard / Visa, that amount will be charged with the respective interest and fees.
NOTE:
Interest and fees is subject of changes by Banka Kombetare Tregtare.
Interests shown in the Statement are monthly basis interests.
Interest rates and fees currently in force applied for the cards can be found in the Terms and Conditions section of Banka Kombetare Tregtare official web site www.bkt.com.al
How can you contact us:
To report a stolen or lost card you should call immediately at +355 (4) 22 66 288 or at your BKT branch contact number.
For questions or suggestions:
Tel: +355 (4) 22 66 288
E-mail:callcenter@bkt.com.al