Credit Card

Manual

Introduction Of Credit Cards

A small plastic card issued by bank
allowing holder to purchase goods &
services on credit.
BUY NOW PAY LATER

Intro Of CFG
CFG location
Departments

Criteria To Apply Credit Cards

M inimum criteria to apply for credit card is
25000 k(Gross).Further details are mentoined
below.
Category A 25K (Gross)
Category B 30K (Gross)
Category C 40K (Gross)

Criteria To Apply Credit Cards

Gold

Rs. 50,000

Titanium

Rs. 100,000 --Rs. 125,000

Platinum

Rs. 135,000 --Rs. 160,000

BAL-EMP

Rs. 10,000 (Permanent Staff Only)

How To Apply For Credit Card

If customer call at contact center and ask from
PBO how to apply for credit card,
officer has to guide customer minimum
criteria of income.
Provide info regarding documents & will
forward a LEAD from software (Tracking
Silp) and guide cm TAT of one month.

Lien Based Credit Cards

Cards issued against security are called lien based
cards. Cards are issued upto 75% .
Remaining amount is reserve as security.
TAT of one month required for releasing of amount when
customer wants to cancelled
his card.

Types Of Visa Cards

VISA CARDS
MASTER CARDS

Credit Card Bins & Catagories

Table

Credit Card Bins & Catagories

Utility Bill Payments

Introduction :
BAL Credit Card customers can pay their Utility and Warid
Bills through Credit Card by calling at 24 hour helpline
services. Online bill payment facility has started to provide
customers hassle free life. Customers do not need to go to
the branches and wait for their turns, now on a single call
they can pay their Utility bills on due dates and even after the
working hours, which is not possible in direct payments.

Utility Bill Payments

Mode of Bill Payments:
Monthly bill Payment through Direct Debit:
If the customer is enrolled for Direct Debit facility
then
his monthly Utility bill payment will be debited
automatically from Credit Card, 03 days prior to due
date.
For Example: Let suppose if the customers bill
payment due date is 21st of the month then his bill
payment pick date will be 18th of the month.

Utility Bill Payments

Direct Debit (DD) will not process in the
following conditions.

limit not available in cms account.

Card account is blocked due to monitor 6.
Card is blocked Lost/Stolen then system will
not
process the payment.

Utility Bill Payments

Utility Bill payments Companies:
o
o
o
o

PTCL
Sui Gas (SSGC and SNGPL)
Electricity (KESC, IESCO, HESCO, FESCO, LESCO,
PESCO, GEPCO, MEPCO)

Utility Bill Payments

One time bill payment through Call Center:

Customers can call at 24 hours helpline to pay their Utility

bills, bill payment can be done till bill payment due date and
even after the working hours and on holidays, other then this
after due date and bills with arrears are also acceptable
through call center, only installment bills cannot be paid .

Utility Bill Payments

Screens which are necessary to check before bill payment & verifications required
are mentioned below.

Given CLI#
Monitor code
Category of card
Aging
Available limit
Memos

VERIFICATIONS:
Three basic verifications are required.
CHARGES:

Utility Bill Payments

Officer will put a memo line after bill payment in
V5.
MEMO:
Lesco bill payment processed of amount ()/-as per
cm request I.D
If more than one bill, then put
3 utility bills processed of amount()/- as per cm
request
I.D

Cancellation Of Utility Bill Payments

Officer can take request of cancellation on same
date of bill payement.
Officer has to make following steps for
cancellation.

Cancellation Of Utility Bill Payments

Put an I.D after cancellation of bill payment.
MEMO:
Bill payment is cancelled as per cm request on
lesco
bill ref#() , dtd () cli#.

Cancellation Of Direct Debit

Facility on Utility Bills

If cm dont wants to continue his dd facility of utility bills ,

he has to call at contact center for cancellation

After cancellation , officer has to put ID

MEMO:
DD facility is cancelled as per cm request on lesco bill
ref#..... I.D