Credins Bank We Speak Your Language!

Installment Payment Card


What is an Installment Payment Card?

An Installment Payment Card is a credit card, connected to an approved credit limit from the Bank. You can use the money to buy different products and services using a POS or on internet. You can choose to pay with up to 12 installments in every merchant supplied with a Credins Bank POS.

Why you need an Installment Payment Card?

Everyone has needs that wants to fulfill but cannot afford. The Installment Payment Card offers you the possibility to pay by installments for goods you want to buy.

Usage of Installment Payment Card

POS Purchases: By inserting the card in the POS you can choose to pay the entire amount at the moment or to pay by installments. You can choose from 2 up to 12 installments by selecting the convenient number in the POS.

The benefits using Installment Payment Card are:

  • You can buy goods and services by installments.
  • 0% interest if you pay your installment until the 10th of the next month.
  • 0 commission if you buy in every national or international POS.
  • You can control your account 24/7 from your Smartphone or PC by using Credins Online.
  • 0% commission for internet purchase.
  • Internet purchases with the highest safety VBV (Verified by Visa).

How safe is this card?

Make sure your personal data (mobile phone number and email) are correct in the banking system. Soon an additional safety feature will be activated: 3D Secure Service which will make your online purchases more secure.
Verified by Visa of VISA and SecureCodeTM of Mastercard® are services designed to provide you with extra security when making purchases over the Internet, by preventing any unauthorized use of the card.
Your card is registered by the Bank in 3D Secure Service and you have not to fill any form or to visit our branches.
When you use your card on the Internet in participating retailers, after you fill the card data another screen will appear. Meanwhile, the one-time password will be sent on your mobile phone (the number you have registered in the bank) via SMS which you have to put in the required box.
Please verify the mobile number you have registered in the bank. The one-time-password will be sent in this number.
How to recognize 3D secure merchant
You can recognize a merchant supporting 3D secure security as the merchant provides on its website the service official logo of Verified by VISA and SecureCode by Mastercard. If the logos are visible on the website, then the merchant supports 3D Secure Service.

Merchant supporting 3D Secure security is recognized also by the fact that after entering your card information in the merchant website you will be redirected to another screen to put the one-time password.
Internet purchase
During purchases in participating merchants, after you finish the order, you will choose the payment method and will enter your card data. After you press “Pay” another screen will appear. Meanwhile a SMS will arrive on your mobile phone, with 3D Secure code, which you will enter on the required box.
You have to follow the steps below:
If you receive the SMS on your mobile, please check if transaction details, especially the amount, card number and merchant name correspond to the details in the SMS. If yes, enter the OTP which you received on you mobile and choose “Continue”.

1. Choose the method of payment and enter the card data.
2. Choose “Pay” and another screen will show.
3. 3D Secure code will arrive on your mobile and you will enter it correctly in the required field.
4. Transaction is confirmed successfully.
If you receive the SMS on your mobile, please check if transaction details, especially the amount, card number and merchant name correspond to the details in the SMS. If yes, enter the OTP which you received on you mobile and choose “Continue”.

Business you can buy with the installment card:

  • Emigres  –  Autostrada Tiranë – Durrës, Km 12
  • ElektroTek Globe – Rr. Martin Camaj, Shkodër
  • Kuka Center – GRUEMIRE, Shkodër
  • Alb Car Rental – Rr. Ismail Qemali, Tiranë/ XHINO E KA
  • Albarent – Rr. Ismail Qemali, Tiranë
  • Primavera Casa – Tiranë
  • World-Flex Citypark – Shkodër
  • World-Flex Piramida Nicol – Tiranë
  • World-Flex Prane Gjykatës – Tiranë
  • World-Flex prane TEG
  • Maison De Parfum – Halim Xhelo 107 Lagjja 15, Vlorë
  • Bajram Babqorri – Lagje e re, Godina 1, Rr. Nacionale Vorë
  • Elton Guce – Rr. Siri Kodra , Tiranë
  • Ilpa Gold – Lagjja.4, Bulevardi Kryesor, Durrës
  • Dora e Artë – Qafa e Pazarit, Gjirokastër
  • Globe Outlet – City Park
  • Qendra Globe – Rr. e Kavajës, Tiranë
  • Globe – Elbasan
  • Globe – Vlorë
  • Globe – Fier
  • Globe Home Expert – Bulevardi Kryesor Lushnjë
  • Globe Shops – Tirana Ring Center
  • TEXAL – City Park
  • Fashion Store – City Park
  • Vero Moda – Tirana RING CENTER
  • GO TECH, Komuna e Parisit- Tiranë                  
  • GO TECH, Flagship Center- Durrës
  • GO TECH, Qendra Tregtare CONCORD – Tiranë
  • GO TECH, Casa Italia – Tiranë     
  • LOND – City Park, Autostrada Tiranë- Durrës
  • Elektro – Shtëpiake NOVI – Gjirokastër         
  • SHAGA Mobileri – Tiranë                     
  • Alb-Soba  –   Tiranë
  • ECO Climate Solution  –   ETC Tiranë
  • DELTA – Autostrada Tiranë- Durrës,  Km 3
  • DELTA –  Durrës                                          
  • OZONE Electronics – Tiranë                  
  • EURO RUDI – Durrës Nikel                        
  • JD-EXPERT – Rr. Teodor Keko, Tiranë                       
  • Prestige Home –  Rr. Sami Frashëri, Tiranë
  • Prestige Home – Kashar, Autostrata Tiranë-Durrës      
  • Prestige Home  –  TEG, Tiranë
  • DENTAL Center – Lagjja Nr. 4, Durrës
  • ENT Clinic – Rruga e Dibrës, Tiranë                           
  • Albaelettrica – Myslym Shyri, Kulla 3, Tiranë                   
  • Albaelettrica – Autostrada Tiranë – Durrës                      
  • Albaelettrica – Bulevardi Gjergj Fishta, Qendra Alp                
  • Albaelettrica – Bulevardi Zhan D’Ark, Pallati Min. Jas                   
  • Elektroshtëpiake MATIS – Lagjja 18 Shtatori, Gjirokastër
  • LUIS Center – Lagjja18 Shtatori, Gjirokastër    
  • Elektroshtepiake  FREDI – Lagjja 18 Shtatori, Gjirokastër
  • Studio Plus – Mobileri
  • Leonard Konini – Mobileri

For more information please contact:
Compare Visa Cards

Loss and theft

If you lose your card, immediately inform customer service at Credins bank:
Tel: 0800 22 73 dhe +355 4 2274 777.
Your card will be locked immediately!