Card processing validating credit cards
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If the minimum amount due is unpaid, Charges shall be levied on such outstandings (including but not limited to the EMI as above), as communicated in the Credit Card Most Important Terms & Conditions (MITC).The Credit Limit on the Credit Card shall be blocked to the extent of the purchase transaction amount.
The Dial/Click an EMI products can be pre-closed by calling 24-Hour Citi Phone.I further authorize Citibank and/or its associates/subsidiaries/affiliates to verify any information or otherwise at my office/residence and/or contact me and/or my family members and/or my Employer/Banker/Credit Bureau/Credit Information Companies (CICs)/RBI and/or any third party as they deem necessary and/or to do any such acts as they deem necessary.I understand that acceptance of the application is subject to Citibank, on enquiry, not receiving any adverse report relating to my creditworthiness from any bank or financial entity, which has provided to me or my family members a credit facility.Citibank shall be entitled to demand immediate repayment of such outstanding amounts.In the event the Credit Card is closed prior to all EMI(s) being charged, the principal outstanding, the interest for the days till closure and the preclosure charges shall be debited to the Credit Card account.from the last billing date till the date of closure shall be debited to the Credit Card.
In the event of non-payment of the Minimum Amount Due for three successive months, the Dial/Click an EMI shall be pre-closed and the principal outstanding, the interest for the days till closure and the pre-closure charges shall be debited to the Credit Card account and appear in the subsequent monthly statement.Goods and Services Tax (GST) as notified by the Government of India, is applicable on the interest component of the EMI, all fees and other charges and is subject to change as per relevant regulations of the Government of India.Per extant Reserve Bank of India (RBI) guideline, no advances should be granted by banks for purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold Exchange Traded Funds (ETF) and units of gold Mutual Funds.Any payment made into the Credit Card account over and above the EMI shall not be deemed to be payment towards the amount availed under Dial/Click an EMI and shall not be deemed as closure of the said facility.Any preclosure of Dial/Click an EMI shall attract Prepayment charges at the rate of 3% on the outstanding principal amount.The facility of an Additional Card being a special facility at a concessional fee/rate, continuation of the membership of the additional Cardmember will be dependant on the continuation of my membership.