These Terms and Conditions for Citi Credit Cards ('Terms and Conditions') are valid and binding on all Citi Credit Cardholders and Citibank N.A., Indonesia ('Citibank') in connection with the issue of certain Citi Credit Cards in the name of the Cardholder.
This Agreement has been made in compliance with the prevailing Laws and Regulations including Regulations of the Financial Services Authority.
I. First, Fixed Installment and Administrative Fees;
II. Second, outstanding amounts due, at least 60% (sixty percent), for the settlement of the principal obligation under the transaction; and
III. Third, Interest.
Citibank may at any time make changes to the facilities mentioned above by providing the Cardholder with a Written Notice. The Cardholder acknowledges and agrees that the use of such payment facilities is subject to the Administrative Fee as stipulated by Citibank.
If the Citi Credit Card is in any collectibility status other than "Current", Citibank shall 1) Impose the applicable Administrative Fee and interest; 2) Collect the unpaid amounts from the Cardholder; 3) Block the Citi Credit Card; 4) Demand payment of all amounts under the Citi Credit Card statement, that remains outstanding, uncollected, and/or unpaid in full.
i. Is in breach of these Terms and Conditions and/or the provisions applicable at Citibank;
ii. Is alleged to be implicated in a criminal offense and/or suspicious transactions and/or make unauthorized cash withdrawals at the Merchant;
iii. is placed in receivership, or in a state of Suspension of Debt Payment Obligation (Penundaan Kewajiban Pembayaran Utang, PKPU) and/or bankruptcy;
iv. has his/her assets seized;
v. passes away so that his/her obligations pass to his/her heirs;
vi. terminates and/or closes the Citi Credit Card account;
vii. has provided incorrect, invalid or misleading information, data or documents;
viii. has reported a loss/damage in respect of the Citi Credit Card whether orally or in writing to Citibank, and Citibank can accept the report;
In the event that these Terms and Conditions are available in English, the English version is deemed merely as a translation and if there is a difference in interpretation between the Indonesian text and the English text, the Indonesian text shall prevail.
These terms and conditions shall be governed by and construed under the law of the Republic of Indonesia.
In respect of any Communication made by telephone or 24-Hours CitiPhone Banking or 24-Hours Citi Prestige Executive (only for Citi Prestige Cardholder), the Cardholder agrees that Citibank may record the conversations between the Cardholder and Citibank.
i. The Cardholder/Citi Ready Credit Customer will be notified by 24-Hours CitiPhone Banking or 24-Hours Citi Prestige Executive (only for Citi Prestige Cardholder) that the credit balance shall be returned in accordance with the applicable regulations.
ii. The Bank will also inform the Cardholder/Citi Ready Credit Customer of the credit balance through the Credit Card Statement. The transfer fee shall be debited directly from the credit balance. The credit balance shall only be refunded if the amount of the credit balance is greater than that of the transfer fee.
iii. For the Cardholder and/or Citi Ready Credit Customer that has more than one credit card and/or Citi Ready Credit, all credit balances contained in the credit card and/or loan accounts will be combined for the purpose of calculating the 300-million Rupiah threshold.
iv. If the Cardholder/Citi Ready Credit Customer cannot be contacted within two (2) calendar days in relation to the refund of the credit balance, such existing credit balance on the credit card and/or loan account will be transferred to the account designated by the Bank.
v. If such credit balance has been transferred to the account designated by the Bank, the Cardholder/Citi Ready Credit Customer can still request the refund of his/her credit balance by contacting 24-Hours CitiPhone Banking or 24-Hours Citi Prestige Executive (only for Citi Prestige Cardholder), subject to prior identification verification.
vi. The Cardholder/ Citi Ready Credit Customer hereby accepts and agrees to be bound by any rules and regulations in force whether now or hereafter existing, including any amendments thereto from time to time.
i. United States Citizen and Resident
ii. Green Card holder
iii. The Citi Ready Credit Cardholder is qualified based on the substantial presence tes
The Cardholder who is not a US citizen shall be treated as a US Person if the Customer has been physically staying in the United States for a minimum of 31 consecutive days in the current calendar year, and a total of 183 (one hundred eighty-three) days within a period of three calendar years. The 3-year period shall include the current year and two previous years. Calculation of the 183 (one hundred eighty-three)-day period shall be as follows:
i. The number of days of your stay in the United States during the current year plus (+)
ii. 1/3 of the number of days of your stay in the United States during the first year that are not excluded prior to the current year plus (+)
iii. 1/6 of the number of days of your in the United States during the second year that are not excluded before the current year.
i. The Cardholder currently has address of residence or correspondence in the US (including US zip code)
ii. Registered as a US resident in the Cardholder's data file.
iii. The Cardholder has a telephone number in the United States and has no other phone numbers outside the United States
iv. The Cardholder was born in the United States.
v. The Cardholder has a telephone number in the United States and other telephone numbers outside the United States.
vi. The Cardholder provides a Standing Instruction to transfer funds to an account in the United States.
vii. The proxy or any person appointed to represent the Cardholder has his/her address in the United States.
If any one or more provisions contained in these Terms and Conditions are declared void or contrary to the laws in force, any other provisions contained in these Terms and Conditions shall remain in full force and effect and binding on the Cardholder and Citibank, and such provisions declared void shall be replaced with provisions that have the same effect and purpose as those declared void.