Frequently asked questions about Credit Cards

Yes. But please note that this transaction is subject to fees. Kindly refer to the price list for more information.

This is the day on which your card payment is due. It is usually a certain number of days after the statement closing date. Purchases and payments made with a credit card are paid in the following month. However, if you wish, you can make a one-time payment before the statement closing date.

Purchases and payments made with a credit card are paid in the following month. However, if you wish, you can make a one-time payment before the statement closing date.

You can view the balance of your credit card in the app. On the accounts screen, select the card you want to view and tap on "View details", then tap on "Balances".

The used balance refers to the amount used as credit, which corresponds to the outstanding debt. Depending on the payment option you have chosen, it may refer only to the current month (if you paid in full) or it can accumulate amounts from previous months (if you paid a different percentage).

The statement balance is the balance of the credit card as of the statement issuance date.

It is the balance still available, which will always be equivalent to the difference between the card's credit limit and the amount of the limit already used.

The credit limit is the maximum authorized amount for credit transactions and cash advances on the card.

If you exceed your credit card limit, the excess amount is debited from the current account. An over-limit fee will be charged, which you can find on the price list.

You can apply for a credit limit increase through the Millennium App. You just need to enter the amount you want to apply for and you'll get our response instantly.

If you don't need the credit limit you currently have, you can request a decrease through our home banking.

The minimum amount varies depending on the card you apply for.

You can make a one-time payment until 6:00 p.m. on the second-to-last business day before the card statement closes.

There is no limit to the number of one-time payments you can make. However, the total amount of these payments must not exceed your credit card limit plus 25% of its amount.

One-time payments exceeding 3% of the outstanding balance, made between the statement closing date and the business day prior to the payment due date, prevent automatic debit of the monthly payment. One-time payments below 3% of the outstanding balance, made between the statement closing date and the business day prior to the payment due date, prevent automatic debit of the scheduled payment, with only the remaining amount up to 3% of the outstanding balance being debited.

This option changes the monthly payment of your credit card and can be either a percentage of the used credit or a fixed amount. This change applies to the current month and upcoming months.