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Persona
The bank today
+38 044 290 7 2901

  • 6 months
  • From 3% monthly payment
  • 3,99%
  • 12 months
  • Pay in parts* all purchases from 1000 UAH and return the money in installments up to 6 months during the offer

  • from the amount of debt and accrued interest for the use of credit funds (if any)

  •  monthly interest rate, after the expiration of the grace period. The maximum interest rate is 47,88% per annum

  • loan term

We answer Your questions
Special offer from PUMB "Cash withdrawal and credit card transfers without overpayments" in the period from 26.10.2020 till 28.02.2021

To remain in the grace period has become even easier!

 

What do cash withdrawals and transfers without overpayments mean?

It's simple, these transactions were made during the validity period of the offer, they will be included in the grace period. This means that during this period no interest will be accrued on the used amount of the credit limit, provided that the entire amount owed for the previous billing periods is paid before the payment date.

The period of using the grace period depends on the date of opening the account:

  • for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th, 30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

 

What cards are involved in this offer?

This offer applies to new and existing customers who are holders of the "vseMOZHU" credit card (those customers who have joined the Public Offer of JSC "PUMB"  to conclude an agreement on comprehensive banking services for individuals and their accounts):

  • for those opened from 26.10.2020 – a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th, 30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

 

I already have a grace period for the card of 62 days, what is the special feature of the offer?

During the validity of the offer, the grace period EXTRA applies to cash withdrawals and transfers of the credit card.

At the same time, it also continues to operate for payment transactions for goods and services by the card in shops and on the Internet, payment for utilities, and top up of the mobile using PUMB Online.

It turns out that interest on the used amount of the credit limit won't be accrued on these transactions if the entire amount owed for the previous billing periods is paid before the payment date.

The grace period will apply for a limited period of time, namely for accounts:

  • for those opened from 26.10.2020 – applies till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th, 30th – it applies till 28.02.2021

b. with the payment date on the 10th – it applies till10.03.2021

c. with the payment date on the 20th – it applies till 03.20.2021

 

I want to withdraw funds/make a transfer on my card, will the grace period be valid for this transaction?

For existing customers with cards that were opened until 26.10.2020, the grace period will be applied:

a. with the payment date on the 28th, 30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

For new customers, whose card accounts were opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.

 

What will happen if I do not have time to deposit the withdrawn amount in cash or transferred to another card or account during the grace period?

If you have not managed to pay off the debt during the grace period, the interest will be charged on it from the date of withdrawal or transfer of funds.

 

What is the interest rate after the expiration of the grace period?

After the expiration of the grace period, the standard interest rate will apply to the operations of withdrawing and transferring funds on the card: 47.88% per annum or 3.99% per month.

 

Will there be a grace period for my cash withdrawals/transfers to another card carried out until 26.10.2020?

No, the grace period will not apply for these transactions. The grace period will apply for cash withdrawals/transfers for accounts opened until 26.10.2020: 

a. with the payment date on the 28th, 30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

Please note: the grace period is valid for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement on comprehensive banking services for individuals.

What does the grace period up to 62 days mean?

The grace period is a period during which no interest is accrued on the used credit limit, provided that the entire amount owed for previous billing periods is paid before the payment date. The grace period is valid for payment transactions for goods and services by the card in shops and on the Internet, payment for utilities, and top up of the mobile using PUMB Online. The grace period is also valid for cash withdrawal operations, operations without the physical usage of a payment card or its details, for customers who have joined the Public Offer of JSC "PUMB"  to conclude an agreement on comprehensive banking services for individuals and their accounts:

  • for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th,30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

 

I know that before the grace period was valid only for payment transactions for goods and services by the card in stores and on the Internet, or pay for utilities and mobile top-ups using PUMB Online, is there for cash withdrawal operations as well now?

Yes, the "vseMOZHU" credit card can do anything, and the grace period is also valid for cash withdrawal operations, operations without the physical usage of a payment card or its details, for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement on comprehensive banking services for individuals and their accounts:

  • for those opened from 26.10.2020 a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th,30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

 

I have been using the “vseMOZHU” credit card for a long time, will there be a grace period for my cash withdrawals or transfers from my account/card?

Yes, the grace period is also valid for cash withdrawal operations, operations without the physical usage of a payment card or its details, for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement on comprehensive banking services for individuals and their accounts:

  • for those opened from 26.10.2020 a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 till 28.02.2021.
  • for those opened until 26.10.2020:

a. with the payment date on the 28th,30th – for transactions carried out in the period from 31.10.2020 till 28.02.2021

b. with the payment date on the 10th – for transactions carried out in the period from 11.11.2020 till 10.03.2021

c. with the payment date on the 20th – for transactions carried out in the period from 21.11.2020 till 20.03.2021

What is a credit card? Why is it necessary?

Credit card is a universal payment instrument, which is the key of access to a bank account and it, is intended to carry out payment transactions exceptionally at the expense and within the funds provided by the bank to a client as a set credit limit.

 

A credit card from FUIB will allow You to use the bank's money to pay for goods and services as well as for cash withdrawals. You do not have to postpone the purchase or the money on it. You can buy what You want, even if You don’t have a desired amount at hand, and You can return the used funds gradually or totally at any time convenient for You. Moreover, that is not all: the repaid amount will be available for using again every time.

 

FUIB offers the clients, the chip credit cards of international payment systems Mastercard and Visa, with the help of which You can freely make purchases and pay for services at any place where such cards are accepted, including in the internet and abroad.

How can I figure out the amount of the past due debt?

To get the information about the amount of the past due debt, amount of accrued fines and penalties You should call 0800 50 25 75 or 044 391 55 60.

What documents are required to draw up a credit card?

To draw up a credit card the following documents are required:

 

  • the passport of the citizen of Ukraine;
  • certificate of TIN assignment or a mark in the passport of the citizen of Ukraine about refusal from the assignment of TIN.

Is it possible to restructure the debt on my credit or get “credit holidays”?

For more information about the possibility of "credit holidays ", debt restructuring, and the list of required documents, please apply to a credit manager of FUIB department, which serves Your credit agreement, or call 0800 50 25 75.

What is the service of drawing up a purchase "Splachui Chastynamy"?

The Service "Splachui Chastynamy" – a partition of the purchase amount into equal parts (monthly payments), depending on the chosen term by a client and taking into account the accrued payments by the bank for using the credit funds and commissions for the service "Splachui Chastynamy".

Where can I buy the “Splachui Chastynamy” service and what terms of buying I can get?

In the PUMB partner stores: 27.ua, 33 квадратних метри7sorokALL STARS, BODO, Bosch электроинструмент, Camelot, Cifrix, Comfy, Converse, DACK Центр, Everest Gym, iOn, iStudio, FishkiKenwood-Shop, Kiddy Boom, KilimanjaroLargo, MASTER, Merezhka, MOBI STYLE,  MOYO, Nike, PayHub, Ringoo, Rozetka, SAMSUNGSport LifeVeloGo, Vianor, Virtus fitness center, Vmtehnika, Vodafone, YABLOKi, Z-stores, АЛЛО,  Банк Гарячих Турів, Будмен, Буль-Буль, ВАШ ПАРТНЕР, ВістаВікна КорсаВодКанГаз, Ворона-Меблі, Вухо, Двери Белоруссии, Дека, Домотехніка, Електродім, Елма Сервіс, Ельдорадо, Ельмарт, Епіцентр, Імперія Меблів, Каста, Кібернетики, Комп’ютерний Всесвіт, Крайт, магазин UP, магазин Джакузи, магазин Динамо, магазин Домотроніка, магазин Окна Сервис, магазини ФК Шахтар, МегаЛюкс, Магеллан, МАМАЛЮК, Мобижук, Нова Лінія, Опора, Оптика Зір, Орбіта, Офтальмологічний центр Печерський, Плазма, ПМП Техніка, Помаранчевий РОВЕР, Пульсар, Рем-Мебель, РОНА, Світ Малюка, Сімба,  СмарагдСладкий сон, Сота Альянс, салон штор и люстр Анкара, Старт-99, Техномаркет, Технопростір, Технотоп, Техно PLAZA, ТОПАЗ ювелірні вироби, Траверс, Projector, ТТТ, Туристическое агентство Happy Travel, Уголек, Уют мебельный салонФокстрот, ЦЕНТР КУХНИ, Цитрус, Школяр, as well as in online stores 27.ua590.ua, 7sorok, All-ok, Comfy, BODO, iskraservice, iStudio, Kenwood-Shop, Kilimanjaro, Merezhka, MOYO, PayHub, PIXEL, Rozetka, Velotime.com.ua, Yellow, АЛЛО, БітКом, ВодКанГазЕльдорадо, Дека, Каста, Киев Мебель, магазин Домотроніка, магазин ФК Шахтар, МАМАЛЮК, Нота Комфорта, Помаранчевий РОВЕР, Світ Малюка, Сімба,  Траверс, TTTУют мебельный салонФокстротЦитрус when you pay for the purchase over 500 UAH by the "VSEMOZHU" or "soloMANDRY". Detailed information about the service "Pay in Parts" at the link.

How can I pay the debt on the credit if I am abroad?

You can pay for a credit in another country with the help of any bank where there is an account in UAH. Additionally, we inform that to make a payment on the credit, You can do it through the internet by using Internet-banking FUIB Online, Portmone, EasyPay services. To clarify the detailed information on Your credit is recommended to apply to the Customer Service Center: +38 044 290 7290.

Where else can I learn more about the credit card?

You can contact the Customer Service Center by phone 044 290 7290 and ask the operator Your question.

Where can I make my card payment?

To find out where to pay the debt on card, click on the link.

 

To learn more about how to use the loan, join us in Viber.

How can I know the amount and date of the next payment on my credit or card?

You can see the amount of the next payment, as well as the schedule and payment history on the card at the personal cabinet in Internet-banking.

 

To learn more about how to use the loan, join us in Viber.

How can I find out the total amount of debt on my credit?

You can find out the amount of debt in Internet-banking at Your personal cabinet.

 

To learn more about how to use the loan, join us in Viber.

What conditions for receiving/spending bonuses with loyalty program to co-brand credit card COMFY? *

Terms and conditions for receiving bonuses to co-brand credit card with COMFY:

 

  • by shopping in COMFY, the customer receives the standard bonuses for the purchase, plus an additional 2% charged by credit funds spent
  • by shopping in any other stores the customer receives 1% of the spent credit

 

Terms and conditions for spending bonuses with co-brand credit card COMFY:

 

  • bonuses can be paid for up to 100% value of the goods only in the COMFY stores (in comfy.ua online store - only for picking up from the store).

 

Basic conditions of the bonus program from COMFY you can find on the website www.comfy.ua/welcome.

 

* The loyalty program applies to customers who have issued a co-branded card till 05.05.18.

What should I do if the card is lost?

If the card is lost, it must be immediately blocked. You can use the system FUIB Online or call the Customer Service Center +38 044 290 7290 and send an SMS-message to the number 4682 with the text "BlokNNNN", where NNNN - the last four digits of Your card number.

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