Frequantly Asked Questions
HOW CAN YOU APPLY FOR A CREDIT CARD?
It is necessary to visit the nearest branch office of Halkbank AD Skopje where you will have to make an analysis of your creditworthiness. You will be able to download the necessary application documentation at the branch office or you can do the same through the online application.
- Credit card application completed by the user and the employer
- Transaction account statement from the last 3 months as a confirmation of monthly income / inflows
- Copy of a valid ID card
HOW CAN YOU PAY THE DEBT ON A CREDIT CARD?
You can sign a standing order that will automatically deduct funds from your credit card debt settlement account each month, thus saving your time.
DOES THE CLIENT MUST BE A RECEIVER OF SALARY / PENSION AT HALKBANK AD SKOPJE?
The product is intended for individuals with regular monthly income - salary / pension recipients in Halkbank AD Skopje and / or clients who will provide the card with a deposit.
DOES THE VISA GOLD USER NEED TO BE ISSUED AN ACCIDENT INSURANCE POLICY BY HALK INSURANCE?
With the newly issued Visa Gold credit card, the client will have to prepare an accident insurance policy from Halk Insurance with an annual premium of 600 MKD - for a period equal to the repayment period of the Visa Gold card. The cost of the policy is covered by the Bank and the credit card user is not indebted. The policy is renewed every year.
For all previously issued Visa Gold credit cards from Halkbank, the terms and benefits continue to apply according to the signed agreement.
HOW LONG DOES THE PROCEDURE FOR ISSUING A NEW CARD TAKE?
Once the request is approved, the procedure for making and delivering the card to the appropriate branch office takes 2 working days and you will receive a notification via SMS.
HOW CAN I GET AN INVOICE FOR THE CREDIT CARD THROUGH E-MAIL?
You need to report to one of our branch offices the e-mail address where you would like to receive the monthly reports, after which the data are updated and the invoices will be delivered to you on a monthly basis.
VALIDITY OF THE CARD?
The validity of the card is 3 years. When used regularly, the card is automatically reissued.
HOW THE BONUS POINTS CAN BE USED?
The collected points can be used for future payments in the network of POS Terminals from Halkbank. 1 bonus point is equal to 1 denar.
The bonus program is valid only for credit cards from the brand Mastercard and Visa for individuals.
Use your bonus points in 3 short steps (.pdf format)