It is your responsibility to determine that a transaction is lawful before you use the credit card Your credit card facility must not be used to participate in online gambling activities and purchase online foreign lottery tickets When a magnetic stripe credit card is used to buy goods or services from a merchant, you must sign a transaction voucher and/or apply your PIN, as required by the merchant You must sign a cash withdrawal voucher when using the credit card to draw cash other than from an ATM If the transaction takes place by mail order, telephone order or other access channels you will be asked for certain credit card related information before you may use these channels to transact. After this period the credit card will be invalid You must not use the credit card for any illegal transactions. 3 Use of the Credit Card and Credit Card Facility 3.1 General obligations when you use the Credit Card and Credit Card Facility The credit card issued in your name is intended for your use only As soon as you receive the card, you must sign the back of it in ink Should a magnetic stripe credit card be issued to you, you will be given a PIN, which you may change at your discretion at any FNB ATM Should you be issued with a chip and PIN credit card you will have to utilise the services at an FNB branch to change your PIN When a credit card has been re-issued to you, the PIN you used for your previous credit card will still be valid Should your re-issued credit card be a magnetic stripe credit card you may change this PIN at any FNB branch or FNB ATM Should your re-issued credit card be a chip and PIN credit card, you will have to utilise the services at an FNB branch to change your PIN You must keep the credit card safe and the PIN secret and separate from the credit card The credit card, credit card details and PIN will enable you to perform transactions at merchants, operate the credit card at ATMs and perform transactions via our access channels You must only use the credit card in the period stated on the front of the credit card, unless it is cancelled before the expiry date in terms of clause 15 below. In the latter instance the specific terms and conditions will apply over and above the terms and conditions common to both NCA and Usury Act customers. 2.4 These terms and conditions are applicable to all customers save where the headings indicate otherwise. All credit bureaux provide a credit profile on persons as well as possibly a credit score on the credit worthiness of persons. Any information relating to the non-compliance with the terms and conditions of your Credit Facility, the application, opening and termination of your Credit Facility will be disclosed to and used by any other division of the Bank and credit bureaux. 2.3 By using the credit card facility, you consent to the Bank accessing any information recorded with any credit bureaux. 2.2 Should you have entered into this agreement electronically, telephonically or in writing such mechanisms utilised to enter into this agreement shall be valid, binding and undisputed. 2 Acceptance of these Terms and Conditions 2.1 By using the credit card facility your action will be deemed as acceptance of all the terms and conditions governing the agreement. 1.4 Your credit card facility is hosted in and all transactions are processed in.
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1.3 The credit card is a Visa-branded card, issued by us under license from Visa. 1.2 The credit card remains our property and you must return it to us immediately on our request. Sections of this document Section A: Credit Card and Credit Card Facility Conditions of Use Section B: Account Charges and Fees Section C: Rewards Section D: Value Added Benefits and Services Section A: Credit Card and Credit Card Facility Conditions of Use 1 Issue of the Credit Card and grant of the Credit Card Facility 1.1 The issue of the credit card and grant of the facility are subject to the terms and conditions of our credit card and credit card facility as published and amended by us from time to time. The use of the credit card and / or the credit card facility will be deemed as your acceptance of all the terms and conditions governing the agreement. COMBINED (USURY ACT & NATIONAL CREDIT ACT) Effective Date: 1 July 2013 These terms and conditions form part of the agreement which governs the use of the credit card and credit card facility and further regulates the relationship between the Bank and the cardholder. An Authorised Financial Services & Credit Provider. 1 WESBANK CREDIT CARD AND CREDIT CARD FACILITY TERMS AND CONDITIONS WesBank Credit Card is issued, owned, financed and administered by FirstRand Bank Limited.
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