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    Home » Credit or investment card document and getting eligibility
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    Credit or investment card document and getting eligibility

    chowdhury.munnaBy chowdhury.munnaDecember 27, 2021Updated:June 30, 2022No Comments0 Views
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    Credit or investment card
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    Credit or investment card document for local, international and dual currencies introduced by several banks under the platform of cash credit concept.

    The products are mainly three types:              

                                      (i) Gold & Classic

                                      (ii) International – Gold & Classic (RQ, RFCD & TQ)

                                      (iii) Dual Currency.

    Total Transaction in each month cycle will be treated as an individual deal and mark-up profit to be shown in card account against each month fresh deal amount @ 16% for one year.

    Credit or investment card document to be submitted to the branch alongwith the application of Local Card:

    (i) In case of service holder:

    a) Recent passport size 2 copies colour photograph duly signed on the back side.

    b) Bank statement for last six months.

    c) Attested original salary certificate or Pay slip.

    d) Attested photocopy of National ID Card.

    e) Attested photocopy of first seven pages of valid passport, if any.

     f) Attested photocopy of utility bills (as proof of own residence)

    g) Visiting card.

    h) TIN certificate,

     i) Investment/Credit report,

    j) Undertaking for intimation of new/changed mobile number.             

     k) Any other documents as desired by Credit Card Division

    (ii) In case of Businessman:

    a) Recent passport size 2 copies colour photograph duly signed on the back side.

    b) Bank statement for last six months.

    c) Attested photocopy of National ID Card.

    d) Attested photocopy of first seven pages of valid passport, if any.

    e) Photocopy of utility bills (as proof of own residence)

    f) Attested photocopy of Trade license, Partnership deed/Memorandum and Articles of association.   

    g) Visiting/Business card.

     h) Profile of the company/firm,

    i) TIN certificate,

      j) Trade license,

     k) Undertaking for intimation of new/changed mobile number.

      l) Any other documents as desired by Credit Card Division.

    Credit or investment card document, Charge documents to be obtained duly stamped & signed by the client:

     a) Demand Promissory Note (DP note).

     b) Letter of Guarantee.

    c) Letter of Continuity.

    Credit or investment card document or Additional documents to be obtained for International/Dual currency card:

      (i) Travel Quota (TQ) Card:

      a) Personal Undertaking (by client)

      b) Letter of Lien mark  (by client)

      c) Letter of authority to encash (by client)

    What are mortgage documents? Types and process of mortgage.

    (ii) Residence Foreign Currency Deposit (RFCD) Card:

    a) Letter of Lien confirmation (by client)

     b) Letter of declaration to deposit FC amount with Debit authority (by client)

     c) Branch confirmation letter.

     (iii) Retention Quota (RQ) card:

     a) Board resolution (by client)

     b) Letter of Lien confirmation with Debit authority (by branch to Card Division)

     c) Letter of Lien mark (by client to branch)

    d) Letter of Corporate Guarantee (by Company to Card Division)

    Payment procedure of Credit or investment card

    A cardholder has an option to pay his/her card bill either by Chaque or FDD or Cash or Debit Instruction or Auto Debit or under Standing Instruction facility.

    (i) By Cheque / FDD:

    Local: If any cardholder intends to pay his/her card bill by cheque, branch may collect the proceeds through Credit Card Collection Account and after realization of the proceeds, branch will issue Credit Advice favoring Card Division on realization date with breakup of Card Account amount.

    International: In case of FDD, only Card Division will receive and collect FDD from the cardholders. If any cardholder wants to deposit FDD in any branch, branch may receive the same on a special case on the basis of branch relationship with the client and send the same to Card Division on the same day for collection.

    (ii) By Cash: It is very important that the Cash Department Officers are informed about the procedure for cash transaction against card bill payment.

    Local: If any cardholder intends to pay his/her card bill by cash, he/she will use bank’s prescribed Card Payment Slip and the cardholder will pay his/her bill during transaction hour. After receiving the cash, Cash Officer will return customer’s copy to the concerned customer and branch will preserve Branch Copy for their record and at the end of the day each branch will issue Credit Advice favoring Card Division for the total amount received along with Card Division Copy of Card Payment Slip and a statement of card account number thereto.

    International: Branches will receive only Travel Quota (TQ) card bill by cash. In that case, branches will take currency rate (USD – BDT) from Card Division before receiving equivalent Taka against TQ card bill. Branches will issue separate Credit Advice and card list. Branches will also mention TQ on the top of the advice in red ink.

    (iii) Auto Debit: Only Bank’s account holders may pay his/her Local Card bills by debiting his/her account before due date of payment. In that case, cardholder must fill in Standing Instruction / Auto Debit Facility of the Application Form and will provide sufficient fund in his/her account before payment due date/cutoff date.

    It is also mentionable here that Card Division will provide a list of accounts to branches which will be under Auto Debit in each month.

    (iv) In case of International Retention Quota (RQ) and Residence Foreign Currency Depositor (RFCD) account holder, branches will issue Exchange Transaction Credit Advice (ETCA) favoring Card Division by debiting his/her FC A/C and RFCD A/C against RQ Card and RFCD Card Account respectively.

    Branches are also requested to keep photocopy of Card Account Statement and Passport (first 7 pages & visa) for monthly reporting to Bangladesh Bank.

    All branches are requested to send the above statement and related Credit Advice within 4.00 pm on the same day so that we can credit the amount in each card account on date. If not possible for the branches to send the above information through messengers, branches are requested to send the payment list and Credit Advice by fax (02-7162062) or e-mail (ccd@eximbankbd.com) to Card Division during office hour in the same day positively.

    How duplicate card will be issued against lost card?

     Immediately after loss of Credit card – the holder must inform the Card issuer for marking stop payment. If the message was passed over phone or e-mail or fax – it must be confirm in writting immediately to the issuer company/bank. After performing official formalities and payment of nominal fees, the card issuing authority will issue duplicate card in lieu of lost.

    Who are the defaulters of Credit card?

    Credit card normally issued in favour of a solvent genuine person who have an account with the Card issuing authority or not. As per instruction of Card holder – periodic bill despatched from the issuer to the user who may authorize the Card issuer to auto debit the bill amount from his account or he may deposit in cash or by cheque after getting the bill within a specified period without profit/interest/service charge.

    If sufficient amount not held in his account to meet the bill amount or if he does not deposit in cash or by cheque the bill amount within specific period with/ without profit/interest/service charge – then he (the Card holder) become defaulter Card holder after expiry of three months from the bill payment date.

    Explain the recovery procedure from a defaulter Credit card holder.

    Since Credit Card issued to a valued client of the bank and if he become defaulter, persuation to be made to recover the dues. If failed, security if any, to be encashed or his account may be debited if fund available. If failed after exercising the above, legal notice to be served and finally money suit to be filed in related division in court for recovery of the money.

    anz credit card document upload bajaj credit card brac bank credit card reward point capital one credit card document upload Charge documents to be obtained duly stamped & signed by the client: cimb credit card document needed citibank credit card document upload CREDIT CARD credit card apply credit card charges in bangladesh CREDIT CARD DOCUMENT credit card document collection job credit card document number credit card documentary credit card documentary netflix credit card documents for processing credit card documents required credit card documents required hdfc credit card documents required sbi credit card documents requirement credit card eligibility check credit card for students credit card in bangladesh credit card requirements in bangladesh credit card without address proof Credit or investment card document define industrial sickness and explain the process of define industrial sickness documents required for credit card application ebl credit card ebl credit card facilities ebl credit card minimum salary ebl credit card requirements Explain the recovery procedure from a defaulter Credit card holder. hang seng credit card document upload hsbc credit card document upload INVESTMENT CARD INVESTMENT CARD DOCUMENT kisan credit card document maybank credit card document sbi credit card document upload portal standard chartered bank forms download student credit card documents VISA ISLAMIC CARD which of the following is not an impact of industrial sickness Who are the defaulters of Credit card
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