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CITIBANK CREDIT CARD TERMS and CONDITIONS Effective From

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CITIBANK CREDIT CARD TERMS and CONDITIONS Effective From CITIBANK CREDIT CARD TERMS AND CONDITIONS BẢN CÁC ĐIỀU KHOẢN VÀ ĐIỀU KIỆN CỦA THẺ TÍN DỤNG CITIBANK Effective from August 15th, 2021. Có hiệu lực từ ngày 15 tháng 08 năm 2021. Thank you for choosing a Citibank Credit Card. It is important that Trân trọng cảm ơn Quý khách đã lựa chọn sử dụng Thẻ Tín dụng everyone who will operate your Account reads and understands these Citibank. Việc đọc và hiểu các Điều khoản và Điều kiện áp dụng đối Terms and Conditions that apply to it. This document should be read in với tài khoản của Qúy khách là điều quan trọng khi Qúy khách hoặc conjunction with Citibank Product Application and Account Opening bất kỳ ai quản lý Tài khoản của Quý khách. Văn bản này nên được Form and the relevant card program terms and conditions carefully đọc cẩn thận cùng với Mẫu Đơn Đăng ký Mở Tài Khoản và Đăng ký as they contain details of binding legal arrangements between us. Sản phẩm Citibank và các điều khoản và điều kiện cụ thể của chương You agree that once the Citibank Product Application and Account trình thẻ có liên quan vì những văn bản này quy định chi tiết những Opening Form is signed by you and we accept to issue Card to you, thỏa thuận pháp lý ràng buộc giữa Quý khách và ngân hàng. Quý you will be bound by these Terms and Conditions and other terms khách đồng ý rằng một khi Quý khách ký vào Mẫu Đơn Đăng ký Mở and conditions relating to the credit extension arrangement under Tài Khoản và Đăng ký Sản phẩm Citibank và ngân hàng chấp thuận the Combined Credit Limit between you and us. These Terms and phát hành Thẻ cho Quý khách, Quý khách sẽ bị ràng buộc bởi Bản Conditions govern, including but not limited to, the application and Các Điều khoản và Điều kiện này và các điều khoản và điều kiện khác use of your Credit Card and the credit extension arrangement under có liên quan đến quan hệ cấp tín dụng theo Hạn mức Tín dụng Tổng the Combined Credit Limit between you and us. hợp giữa chúng tôi và Quý khách. Bản Các Điều khoản và Điều kiện này điều chỉnh, bao gồm nhưng không giới hạn ở, việc mở và sử dụng Thẻ Tín dụng của Quý khách và quan hệ cấp tín dụng theo Hạn mức Tín dụng Tổng hợp giữa chúng tôi và Quý khách. This is what you need to do before you start using your Citibank Dưới đây là những việc Quý khách cần thực hiện trước khi sử dụng Card. Thẻ Citibank của mình. • Read these Terms and Conditions • Đọc Bản Các Điều khoản và Điều kiện này. • Activate your Card following the instruction when receiving your • Kích hoạt Thẻ của Quý khách theo hướng dẫn khi nhận thẻ. Card. Please keep this document for your records. Xin vui lòng giữ lại tài liệu này để lưu hồ sơ. Securing your Card Bảo mật Thẻ của Quý khách Keeping the Card secure is very important, so your Personal Bảo mật Thẻ là một điều hết sức quan trọng, vì vậy Mã số Nhận diện Identification Numbers (PIN) will be provided to you on Citibank Cá nhân (PIN) cho Quý khách sẽ cung cấp qua hệ thống ngân hàng Online. Only the Cardmember may use the Card and the PIN given to trực tuyến Citibank Online. Chỉ Chủ thẻ mới có thể sử dụng Thẻ và số that Cardmember. PIN đã được gửi cho Chủ thẻ đó. Page/ Trang 1 What if your Card(s) or Personal Identification Number(s) are Lost Làm thế nào trong trường hợp (các) Thẻ hoặc (các) Mã số Nhận diện or Stolen? Cá nhân của Quý khách bị mất hoặc đánh cắp? If you think a Card might be lost or stolen or that a transaction on Nếu Quý khách cho rằng Thẻ có thể bị mất hoặc đánh cắp hoặc một your Account is unauthorized, please call CitiPhone at (84 28) 3521 giao dịch trong Tài khoản của Quý khách Không Được Uỷ quyền, xin 1111 right away. You are liable for Unauthorized Transactions that vui lòng gọi ngay cho CitiPhone tại số (84 28) 3521 1111. Quý khách sẽ happen because a Card or Personal Identification Number or Code tự chịu trách nhiệm về các Giao dịch Không Được Uỷ quyền đã xảy was not kept secure or where we were not notified immediately that ra vì lý do Thẻ hoặc Mã số Nhận diện Cá nhân hoặc Mã không được a card or Security Code was lost or stolen. bảo mật hoặc trong trường hợp Quý khách không thông báo ngay In these Terms and Conditions, the singular includes plural and vice cho chúng tôi về việc thẻ hoặc mã số an toàn bị mất hoặc đánh cắp. versa. Trong Bản Các Điều khoản và Điều kiện này, các từ nghĩa số ít có thể bao gồm cả nghĩa số nhiều và ngược lại. 1. Definitions 1. Định nghĩa When we use these words in these Terms and Conditions, this is Khi được sử dụng trong Bản Các Điều khoản và Điều kiện này, các từ what they mean: dưới đây được hiểu như sau: Citi PayLite 0% Equal Payment Plan (Citi PayLite program) allows Chương trình trả góp 0% lãi suất Citi PayLite (Chương trình Citi the Cardmember to convert certain Credit Card transaction(s) PayLite) cho phép Chủ thẻ chuyển đổi các khoản thanh toán cho các payment into monthly installments with 0% interest rate in giao dịch Mua Lẻ trên Thẻ Tín dụng được chỉ định thành các khoản accordance with these terms and conditions trả góp với lãi suất 0% tuân thủ theo các điều khoản và điều kiện Citi FlexiBill Payment Plan (Citi FlexiBill program) allows the dưới đây. Cardsmember to convert billed transactions into monthly instalment Phương thức thanh toán linh hoạt Citi FlexiBill (Chương trình Citi with flexible interest rate in accordance with these terms and FlexiBill) cho phép Chủ thẻ chuyển đổi dư nợ trên sao kê Thẻ Tín conditions dụng thành khoản trả góp với lãi suất linh hoạt tuân thủ theo các điều khoản và điều kiện dưới đây. Account: Your Citibank Credit Card facility. Tài khoản: Tài khoản Thẻ Tín dụng Citibank của Quý khách. Account(s) Opening Application: the Citibank Product Application Mẫu Đơn Mở Tài khoản: Mẫu đơn Đăng Ký Mở Tài Khoản và Đăng Ký and Account Opening Form prescribed by us to be completed and Sản Phẩm Citibank được ngân hàng quy định sẽ được Qúy khách điền signed by you for the opening of the Account(s). và ký tên để mở (các) Tài khoản. Annual Fee: A fee charged to maintain your account and charged in Phí Thường niên: Một khoản phí được áp dụng để duy trì tài khoản the first month of every year. Please refer to the Schedule of Fees của Quý khách và được tính trong tháng đầu tiên hàng năm.Vui lòng and Charges. đọc Biểu Phí và Lệ phí. Applicant: A person (including Primary and Supplementary Người Nộp Đơn: Là một người (bao gồm cả người nộp đơn cấp Tài applicants) who would like to become a Cardmember or a khoản Chính và Tài khoản Phụ) muốn trở thành Chủ thẻ hoặc Chủ Supplementary Cardmember. thẻ Phụ. ATM: An automated teller machine or card-operated machine, Máy ATM: Một máy rút tiền tự động hoặc máy đọc thẻ, cho dù thuộc Page/ Trang 2 whether belonging to Citibank or other participating banks or quyền sở hữu của Citibank hoặc các ngân hàng tham gia hoặc các financial institutions or to the Mastercard® / VISA / Association tổ chức tài chính khác hoặc của Mạng lưới ATM của Mastercard® / ATM Network or their affiliated networks, which accepts the card. VISA / Association hoặc các hệ thống liên kết của các bên đó, chấp nhận thẻ. Available Credit Limit: The difference between the Credit Limit, Hạn mức Tín dụng Còn lại: Chênh lệch giữa Hạn mức Tín dụng, tổng the sum of the outstanding balance and any transactions not yet số dư chưa thanh toán và bất kỳ giao dịch nào chưa được trừ vào Tài charged to your Account. khoản của Quý khách. Available Cash Limit: The difference between your Cash Limit, the Hạn mức Tiền mặt Còn lại: Chênh lệch giữa Hạn mức Tiền mặt của sum of all cash advances and any cash advance transactions not yet Quý khách, tổng tất cả các khoản ứng tiền mặt và bất kỳ giao dịch charged to your Account. ứng tiền mặt nào chưa được ghi nhận vào Tài khoản của Quý khách. Authority: any competent regulatory, prosecuting, tax or Cơ quan có thẩm quyền: bất kỳ cơ quan hành pháp, cơ quan công tố, governmental authority in Vietnam and in any jurisdiction that cơ quan thuế hoặc cơ quan chính phủ có thẩm quyền tại Việt Nam (i) Vietnam has in effect an agreement with (or any international và bất kỳ lãnh thổ tài phán (i) nơi mà Việt Nam tham gia ký kết thỏa treaty of which Vietnam is a member) or (ii) Citibank, N.A., - the thuận (hoặc bất kỳ hiệp ước quốc tế nào mà Việt Nam là thành viên) parent bank of Citibank, N.A. - Hanoi Branch and Citibank, N.A., - Ho hoặc (ii) nơi mà Ngân hàng Citibank, N.A., - ngân hàng mẹ của Ngân Chi Minh City Branch (or any of Group Companies) is required to hàng Citibank, N.A.
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