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Visa Electron Card

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What is a Visa Electron card?

Visa Electron is the ideal card for your daily expenses.
The card is connected to your current account, facilitating your daily purchases and providing cash when needed. Access is granted 24 hours a day 7 days a week. The large network of ATM-s and POS-es with the Visa logo, widespread in Albania and all over the world, providing full commodity. If you have no cash with you, no worries, you may withdraw money, purchase goods and services in millions of ATM-s and POS-es any time any where.

Who can apply for Visa Electron Card?

Everyone who has a current account in Credins Bank can apply for a debit card Visa Electron. The debit card will be connected to your current account providing cash 24 hours a day, every day of the week. You can apply for e debit card in every branch of Credins Bank, with an identification document (ID or passport). Our employees will give you advice and help you so you can have in a short period of time the debit card in your hands.

Why do I need a debit card Visa Electron?

• Because you can access your current account at any time!
• Because you can make payment at any POS!
• Because you can use this card in every ATM which has a VISA logo not only in Albania but even abroad.

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”.

 
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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!

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