• What is TBC Card?

• What advantages does the grace period have?

• What if I do not use the grace period, how can I cover the arrears?

• When do I have to make those minimal payments?

• Can billing date be any date of the month?

• When is the due date?

• Can I choose the due date myself?
• How can I cover the amounts due?
• How can I receive information about the amounts due?
• When can I receive information about my current balance?
• What information does the invoice contain?
• Are there any penalties for late payments or any other cases?
• What if the due date is a holiday or it falls on a weekend?
• What are the necessary documents for TBC Card?
• How will I know about the decision?
• Is it possible to increase the initial amount of the credit?
• What amounts is the interest payable to?
• What are TBC Card Fees?
• What type of a card is TBC Card?
• What is the yearly service fee for TBC Bank?
• What is validity of a card?
• When will you deduct the service fees?
• Can I purchase TBC Card independently from tariff packages?
• What is the currency of credit limit?
• In what currencies can I withdraw money?
• What is range of the limit on TBC Card?
• What is the interest on TBC Card?

What is TBC Card?

TBC Card is a credit card with the longest grace period in Georgia.

What advantages does the grace period have?

If you cover all the arrears accrued on TBC Card within a given grace period, no interest is charged.

For instance, your credit limit was approved on April 10^th; your grace period is 55 days, from April 10^th till June 4^th. On April 25^th, you withdrew 200 Lari from the card. If you cover this amount until the end of grace period, there will be no interest charged on the used amount.

Grace period – period, from credit approval until due date. TBC Card gives you 55-day period to cover all arrears. For instance, your limit was approved on April 10^th; your grace period is 55 days – from April 10^th to June 4^th.

Grace period is the same both for amounts paid in merchants and withdrawals in ATMs or bank branches.

What if I do not use the grace period, how can I cover the arrears?

In this case, you can return the used amount with minimal payments. These payments consist of one tenth of the amount used plus interest.

For example, you withdrew 200 Lari, but chose not to use advantage given by grace period. Until this period ends, you have to cover 20 Lari plus interest. Afterwards, you will have to cover 18 Lari and interest and so on until the amount used is fully covered.

When do I have to make those minimal payments?

You can make these payments until the end of every grace period.

If my credit was approved on April 10^th, when is my billing date?

Your billing date will be May 10^th, June 10^th, July 10^th etc.

Billing date – billing date is the same every month. It is the date of your credit approval. If your credit limit was approved on the 10^th of any month, then your billing date will be 10^th of every month. You will receive an SMS notifying the credit approval.

Can billing date be any date of the month?

• If your limit was approved on the 28^th, 29^th, 30^th, or 31^st of any month, your billing date will be 27^th of every month;
• In other cases, the billing date will be the same as credit approval date.

I withdrew different amounts in different days, what is the grace period for each of them?

If you make all the transactions within one billing period, then the grace period will be the same for all amounts. If you make transactions after given billing period, then the grace period will change.

Having billing dates from April 10^th to May 10^th, all the amounts used in this period will have to be covered till June 4^th. Amounts withdrawn after May 10^th will have grace period till 5^th of July (next grace period).