Credit Advisory

Providing assistance and advices to customers in making the right banking decisions.

Awareness and Education

Increasing customer awareness of the banking products and services that best suit their needs and as well as enhancing their understanding of their banking rights and responsibilities. 

Credit Advisory Services

How Credit Advisory Can Help?

Credit Advisory section has a dedicated team with excellent banking experience to:

  • Deal with disputes between the customer and the concerned departments in the bank that issue credit cards, debit cards and loans without going to SAMA.
  • Provide customers with guidance, advices and successful banking solutions for customers that applied for personal finance or mortgage or credit card to help them in making the right banking decisions and provide them with full information of the credit contract and how it could match their other financial commitments.
  • To guide the customers, how to be aware of their rights and responsibility as well as bank rights.

Credit Advisory Tips

How to manage your money step by step

Do you feel like whatever you earn every month is slipping through your fingers? Many share the same feeling, most of us are lost when it comes to money management.

So that to control this issue, All you need is a little bit of time to read the simple, step-by-step method we’ve outlined for you to start managing your money to accomplish your financial objectives.

Plan your finance smartly

Financial goals reflect things you want to do with your money within a certain period of time. Setting these goals will help you understand the value of money and encourage prudent spending. Be sure to know how long you should plan for each goal.

Are they short, medium or long term goals? Which one of the following are your financial goals?

  • Buying a House
  • Buying a car
  • Traveling
  • Child’s education plan

Know where your money goes to

Start developing a spending plan so that it’s easier to achieve your goals. Remember that your aim is not to cut your budget but to note the direction of your spending.so you will know:

  • Where and how you spend your money?
  • How much you owe monthly?
  • How much is left at the end of the month?

Then, look through your list of expenses and determine if they are a necessity or luxury item.

Be Committed

Many times goals are not reached because the action was never taken. Having a plan, by itself, doesn't mean you will reach your goals. You must be committed to do the things listed in your plan.

Remember SMART Goals should be :

  • S- Specific
  • M-Measurable
  • A- Achievable
  • R- Realistic
  • T- Time

Tips You Should Know :

  1. Purpose of the loan
  2. Loan period suit you (short, medium, long).
  3. Source of repayment
  4. Method of payment
  5. Bank rate and fees/charges.
  6. Principle amount including bank interest
  7. Transparency and credibility when fill the application
  8. Red and understand terms and condition for product & services and get your copy either Arabic or English
  9. Be committed on payment to avoid delinquency.
  10. Get a credit advisory consultation if needed.

Education And Awareness

 

Financial Awareness and Education Portal

Awareness and Education portal established to Increase customer awareness of the banking products and services that best suit their needs as well as enhancing their understanding of their banking rights and responsibilities and financial planning.

Awareness is power especially designed to equip people (in all life stages) with essential financial knowledge ,providing them the confidence and ability to make responsible financial designs.

Life stages

We go through different stages in life, facing different situations and embark on new adventures each time. Be prepared to face your future. Be sure that you and your family are financially secure. Learn how you can make the most of your money with our life stages financial strategies.

Kids Plan:

Goal

Provide practice developing effective spending plans and following where money goes.

  • Grades: between 6- 12 years old.
    Children in grades 6 -12 are capable of managing small amounts of money. They can divide their money into several categories, including "spend," "save," and "give." At the same time, they can spend their money and keep a record of what was spent and what was saved.

Teens Plan:

  • Children between 13-17 years old.
    A teenager between 13-17 years old should have a strong background in financial fundamentals by the time he or she attending college . The education and awareness training here build upon that foundation with discussion of the skills required to meet a lifetime of financial challenges.
    Also to provide them with an opportunity to learn more about decision-making, to be encouraged to consider various topics related to career planning.

Adults:

This is the time that you need to deal on your own and managing your personal finances. Learn to manage your money properly and calculate your budget

Consider putting your allowance into a bank account . Providing you with an efficient way to save and withdraw money, this account will also enable you to apply for internet banking services to conduct online banking.

You should learn the basics of saving to ensure continued financial stability and security.

Special needs:

Everyone you know and everyone you will ever meet is special and different in some way. Often, the hard part is accepting others because they are different and knowing how they might want to be treated.

Plan for future development of the personal and finance skills. There are a lot of products and services to meet the needs that will help you cope with the circumstances of life.

Start Now:

Place the proper plan suits your needs and requirements ... and do not forget your goals should be SMART that giving criteria to guide in the setting of objectives

Consumer Protection Code

Consumer Protection

Click here to view or download the file.

Financial Consumer Tips & Alerts

Common Fraud

Spam Emails are a type of spam that is distributed by Emails involving nearly identical messages sent to numerous recipients by email. The messages may contain disguised links that appear to be from familiar Sender/Websites but in fact it leads to phishing web sites or linking to a malware trap. Spam emails may also include malware as scripts or other executable file attachments. Definitions of spam usually include the aspects that email is unsolicited and sent in bulk.

Do’s & Don'ts to Spam E-Mails:

  • Don't release any emails that seem Suspicious in your email SPAM Quarantine.
  • Don't Open suspicious emails.
  • Don’t Release emails in your SPAM quarantine without reading the email body in the quarantine itself.
  • Do verify the sender of the email in the SPAM Quarantine and make sure it is the same sender once you released it.
  • Do take a moment and think prior to Releasing, Replying or Forwarding to an E-mail.
  • Do Verify the email with the sender in case you know him.

Foreign scams: phone call about a foreign investment that is 'too good to be true'.

Telemarketing scams: commonly include prize offers, travel packages, investments, charities, work-at-home schemes, magazine sales, and business /educations opportunities.

Automatic debit scams: fraudulent telemarketers use this technique to improperly take money from accounts. DO NOT give out account information over the phone unless you are familiar with the company.

Toll-free scams: Make sure the calls are really free.

Prepaid phone card scams: Selling prepaid calling cards may involve a multi-level marketing scam with a large up-front fee.

Financial Tips / Alerts

Fraud Warning Signs

How to avoid becoming a victim

  • High-pressure sales techniques
  • Insistence on an immediate action
  • Offers that sound too good to be true
  • A request for your credit card number for any purpose other than to make a purchase
  • An offer to get your money quickly (e.g. send someone to your home or office to pick it up).
  • A statement that a product or service is free, followed by a request that you pay for something.
  • Claims of an investment that is 'without risk'.
  • Inability or refusal to provide written information or references about the company, product, service or investment.
  • Don't be pushed into a decision
  • Request written information about organization and product or investment.
  • Don't buy anything on terms that you don't fully understand
  • Request the name of the government body by/with whom the firm is regulated or registered
  • Investigate the company or organization.
  • Find out about refund, return and cancellation policies.
  • Don't believe testimonials you can't verify.
  • Don't provide any personal financial information. If you must, hang up!

Risks related to the current and savings account and the services associated with the account

Sequence Current Account Risks Necessary Action
1 Personal Responsibility
  • The bank has the right to close the account and take the appropriate action with the customer if it is found that he has not provided (personal information, identity data, contact information, e-mail, national address, financial information, employment, and monthly income) and preserved it, or provided misleading information or Wrong details.
  • The use of addresses of third parties such as relatives and friends (e-mail, regular mail, contact numbers) leads to disclosure of the financial information of the client.
  • Ensure the mobile number that is used constantly when opening the account or updating its data, to be aware of all the operations that take place on his account.
  • The customer may be held accountable if the bank is not informed of any irregular or unknown source transaction that took place on his account.
  • The customer's account will be suspended if the bank finds that the account was used for non-personal purposes
2 Checks
  • Issuing a check without balance exposes the customer to penalties, which may amount to imprisonment, a fine, and defamation.
  • Not informing the bank immediately of the loss of the check book, the customer shall bear all the consequences of operations carried out on the lost check book.
  • Not keeping the check book in a safe place and signing all its papers in blank may expose the customer to theft, and he must bear all the operations that take place using it.
3 Debit Card (Mada)
  • Using a mada ATM card and disclosing its secret number to others and not informing the bank when it is lost or not canceled from electronic wallets such as Apple Pay (Mada), the customer is charged with all the operations that were carried out, whether by card or electronic wallets without any responsibility on the bank.
  • When using the card in point of sale operations, the customer must verify the amount written on the point of sale device before passing the card through the device in order to avoid any error or exploitation.
  • Choosing a secret number that can be guessed, such as serial and repeated numbers, or related to personal data, exposes the customer to information theft and bears full responsibility for using the card from third parties.
  • The customer must maintain privacy when using the ATM, and make sure that there is a sufficient distance to preserve privacy during the completion of the process and enter the password to avoid theft.
  • The customer must, before purchasing from the websites, verify the reliability of the service provider or the merchant in order to avoid penetration of his information.
  • Taking pictures of bank cards, keeping them in the phone's memory, or sharing them through social networking sites may expose the customer to theft and misuse them.
  • When traveling outside the Kingdom, the customer must check the validity date of the card's use in order to avoid its expiry while traveling, and keep the mobile phone registered with the bank in operating mode when traveling to view messages of financial operations.
4 Online
  • Failure to maintain the confidentiality of the access data to the electronic service channels may expose the customer to information theft.
  • The customer is responsible for all the consequences of operations or modifications made to the account through the electronic channels, and he must sign out after completing the use of the electronic channels.
  • Using computers and public internet networks to carry out financial operations exposes the client to the theft of his information.
5 Fraud
  • Implementing any process (payment - deposits - transfer) on behalf of others that may make the client a victim of suspicious operations and expose him to legal accountability.
  • The customer not ignoring messages and calls from suspicious numbers that claim to be from the bank, will make the customer a victim of fraud.
  • The client may be subject to accountability and penalties in the event of depositing or transferring amounts of unknown origin to his account and it has not been reported.
  • In the event of purchasing from stores, the customer must carry out the purchase process using the ATM card himself and not allow the seller to take the card in order to avoid data theft.
  • The customer bears all the consequences of the operations carried out using the ATM card on the websites, and he must remove the card data from the websites so that the customer's data is not exposed to theft.
6 The Transfer
  • Uncertainty of the transfer process data in the transfer form and alternative channels may affect the correct completion of the process, and the customer bears full responsibility in the event of any error in the transfer process.
  • The client must not transfer to unaccredited and unlicensed charities in order not to be a victim of terrorist financing operations.
  • Accepting transfers on behalf of third parties may expose the client to money laundering or terrorist financing operations.
7 Account Closing
  • The customer should avoid the cases in which the bank has the right to close the customer’s account, which are:
    • Not using the account within 90 days from the date of opening the account without making a deposit.
    • Using the account without the terms agreed upon in the account opening agreement.
    • In the event that the account is opened and the customer deposits and then withdraws from it and his balance becomes zero and it remains without balance or use for a period of 4 years, then the bank, after verifying that there are no commitments or obligations on the account, will close the account.
8 Safe Boxes
  • The customer is responsible for misuse of safety boxes and their content, as they are intended for documents, documents, jewelry, and all tools made of gold and silver only.
  • The customer bears the value of the safety deposit box key, and in case of misuse or loss of the key, the customer will be obligated to pay the value of changing the lock of the safe box and, if necessary, the expenses of opening the box.
9 Standing Instructions
  • The customer must ensure the adequacy of the balance on the maturity date of the standing instructions, the beneficiary's account number, the duration and date of the standing instructions in order to avoid any delay or wrong transfer that hinders the customer's commitment to any party.
10 Official agency-general/authorized signatories
  • The agent will have complete and absolute discretion for all.

Risks related to Credit Cards

Sequence Credit Cards' Risks Required Action
1 Personal Responsibility
  • Adhere to keeping the Card data and PIN code under the control and the responsibility of the card holder
  • Do not write down the Card number or PIN code, do not leave it in your wallet nor store the same at your mobile phone's contacts.
  • Do not ignore the Bank notifications, whether via SMS or phone calls as regards banking transactions or balance.
  • The data provided by you in the card's application form shall be under your own responsibility. It is required to verify of its validation and update the same once a change is made (personal details, national address and contact numbers).
  • Select your own suitable payment method, whether the payment of minimum or full amount due, and verify that the same is in line with your own monthly liabilities.
  • Upon desiring to select a credit card, verify of reviewing each card's terms and conditions.
2 Receipt of Card
  • Assure receiving the summary statement enclosed with the card, containing the card's basic information, including card's credit limit, cash withdrawal's limit… etc.)
  • It is required to immediately sign the receipt of card at the allocated area on the back of the card. The Bank shall not be responsible for any outcomes or damages that might result from non-adherence to signing on the back of card.
  • Prior to activating the card, proactively contact the Bank via Al Jazira Phone at any time; to get benefit from the service of credit advisor, who provides you with awareness service, for free, about the credit cards (features, characteristics, credit financial tips, risks, your rights as a consumer… etc.)
  • Activate the card by person, to be qualified for utilizing the same and benefitting from the services and advantages thereof, using the contact means that are attested and approved by the Bank.
3 Loss of Card
  • Notify the Bank about the loss or theft of card immediately by contacting the bank phone or by the bank's electronic channels. In the event the Bank is not notified of the card's loss or theft, the customer shall be responsible for all transactions carried out using the card, until the notification of card's loss or theft.
  • Assure applying for the deactivation of card on the electronic portfolios, such as: Apple Pay & Mada Pay).
4 Card-Associated Commissions & Fees
  • To get benefit from any offer provided by the Bank for the exemption from annual fees, it is required to activate the card within forty five (45) days as of card's issuance date, or otherwise the offer shall be deemed revoked.
  • When applying for the credit card, you are requested to carefully read the initial disclosure form attached to the card application, showing all fees and commissions related to the credit card.
  • Prior to activating the card, verify of the type of fees imposed on the card, by contacting the bank phone.
  • The profit margin shall be calculated on a monthly basis as to the remaining due amount on the maturity date. So, do not spend randomly via the card balance, and proactively pay to avoid the accumulation of fees.
  • When carrying out any transactions outside the Kingdom, pay in the local currency of the country in which, you exist.
5 Card Use
  • Use the card in the personal transactions only.
  • Not use the card for any illegal purpose, including the purchase of forbidden services or commodities under the applicable laws of the Kingdom of Saudi Arabia. Or otherwise, the Bank shall be entitled to cancel the basic card and any other additional card, and cancel all acquired loyalty points, provided that the customer shall pay the due amount directly.
  • When using the card in the transactions of points of sale (PoS), verify of the sum of money written down on the PoS device, prior to passing the card to the device.
  • Keep the receipt of payment, whether the transaction is accepted or rejected.
  • When using the card, verify of activating the SMS service for pursuing the transactions carried out using the credit card.
  • Revise the monthly account statement forwarded to you by the Bank for verifying of card transactions. In case of not receiving the account statement, contact the bank phone or visit the nearest branch of Bank Al Jazira, or via the customer account on Al Jazira online.
  • In case of objecting to any transaction incorporated in the account statement, submit an objection application to the Bank in association with such a transaction within thirty (30) days as of date on which, the account statement is issued.
6 Non-Payment of Card Dues
  • Payment Delay: Pay the dues on time and do not delay; in order to avoid the accumulation of profit margin. Whereas the profit margin shall be calculated on a monthly basis as to the unpaid or defaulted amount of money on the maturity date. It will reflect also to your credit register.
  • Default: Adhere to paying on a regular basis; in order to avoid any default. In case of not paying the credit card for three (3) successive installments, that will affect your credit register in Saudi Credit Bureau (SIMAH) and that will be reflected also to your credit register in the future, in case you wish obtaining a credit product.
7 Points of Loyalty Program
  • Any acquired points shall have a validation period. Be keen on benefitting from the points of loyalty program prior to the expiry thereof.
  • In case of payment default, all loyalty program's acquired points shall be cancelled, and the customer shall have no right in claiming the same.
  • When using the card for non-personal purposes, the Bank shall have the right in cancelling the card and revoking all acquired points.
8 Fraud
  • Prior to purchasing from websites, verify of the reliability of service provider or trader.
  • If you have any suspicions as to a transaction carried out using your card, proactively suspend the card by contacting the Bank phone or the Bank's electronic channels.
  • Not to disclose the card information to an unknown body alleged to be Bank Al Jazira.
  • Verify of removing the credit card's information from the websites, after executing the transaction. Be keen on not to keep the card details at the website.
  • Avoid delivering the credit card to any person for executing the transactions at stores via the point of sale (PoS); in order to avoid the robbery of credit data.
  • The Bank staff shall not request for any information about your own PIN code. We remind you again not to share the card information.

Risks related to Personal Finance

Sequence Personal Finance Risks Necessary Action
1 Personal Responsibility
  • The client should review his current and future obligations to be able to keep the financial burden of paying installments under control and to increase the degree of protection from financial default.
  • Disclosing the information (personal, current job, financial information) and correctly acknowledging the health status in the form (the funding request for the personal finance program), and the data must be updated in the event of any change in the information in the future with the bank such as the national address or job information.
  • Disclosing the correct monthly expenses in the main banks statement form (according to the responsible financing policies) in order for the credit study to be carried out by the bank, which is commensurate with the client's needs and financial obligations.
  • Informing the bank of the retirement plan before starting the financing procedures so that solutions and alternatives are created to suit the client's circumstances.
  • Signing personal finance contracts and its annexes is the personal responsibility of the customer. Therefore, the contracts must be carefully read and understood, ensure the completeness and validity of the data mentioned in the contract, and request explanation and advice from the credit advisor when needed for clarification before signing the contract.
  • The customer must receive a signed copy of the contract and its attachments and keep it after completing the financing procedures.
2 Late payment
  • The customer must commit to regular payment and not be late or default in payment so as not to affect the customer's credit record at the credit information company "SIMAH" and it will be reflected in the future on the credit record in the event the customer wants to obtain one of the credit products.
  • Communicating with the bank to request credit counseling in the event the customer encounters financial difficulties in paying his obligations towards the bank so that the bank can offer the options that it can make available to the customer in proportion to his financial situation, without that obligating the bank to waive any of its rights.
  • The customer must be regular and not be late in payment, and the customer will be considered defaulting in the event of his delay in paying three consecutive installments or the passage of 90 days since the delay in paying the amounts due.
3 Buyout Finance
  • The customer must abide by the procedures for purchasing indebtedness from another bank, as the customer will be considered obligated before the bank to pay from the date of signing the contract, and the remaining amount of financing is not deposited in the customer’s account at Bank Al-Jazira after purchasing the indebtedness, except under the following conditions:
    1. The customer must provide the bank with a letter (disclaimer) from the other bank.
    2. The customer must provide the bank with a letter (salary confirmation) with Bank Al-Jazira.
    3. The remaining amount of the indebtedness shall not be deposited into the client’s account at Bank Al-Jazira until after the first salary is deposited into his account in the bank.
4 Breach of contract The customer shall avoid cases in which he is deemed to be in breach of his obligations and commitments before the bank under the financing contract. The installments that are not due are considered a case and are due in one payment from the customer in the following cases:
  • When the customer fails to pay the due installments and does not correct the default within the period agreed upon by the bank.
  • When the customer breaches the guarantees provided, for example, but not limited to transferring the salary, and performs any action or procedure that affects the bank's rights arising from it.
  • The client's breach of the terms or conditions contained in the financing contract documents and the failure to correct that.
  • When it is proven that any information, pledges, declarations or guarantees submitted by the client under the financing contract are incorrect.
5 Insurance coverage in case of death or total disability
  • The customer must answer correctly the health status declaration questions in the personal finance program form and not hide any essential facts related to his health status that would affect the required insurance coverage, and in case it is proven to the contrary, the bank is not obligated to fulfill any claim.
  • The customer or his legal heirs are obligated to submit all official documents proving the natural death, disability or total disability and any documents that the bank may request within the time period specified by the insurance company.
  • The insurance coverage excludes cases of death or disability resulting from:
    • The client deliberately injures himself, or attempts to commit suicide - whether he was sane or mentally ill at the time.
    • natural disasters.
    • Decisions of the court or the competent judicial authority under the regulations in force in the Kingdom of Saudi Arabia. Consumption of alcohol, drugs, or illegal drugs. Participation or training in any sport, or dangerous competition such as participating in horse races or car races. Death or injury arising from the nature of the work. What is produced due to or arising from or to which nuclear weapons or nuclear radiation or radiation pollution have contributed from any nuclear fuel or waste resulting from the combustion of nuclear fuel resulting from the combustion of nuclear fuel. War, invasion, acts of foreign aggression, hostile acts, or warlike acts. Acts of sabotage and terrorism committed by a person or persons acting alone or on behalf of or in connection with any terrorist organization.

Risks related to the mortgage product

Sequence Real Estate Financing Risks Necessary Action
1 Personal Responsibility
  • Choosing the right property that meets the client's needs and is compatible with his income and obligations is the responsibility of the client.
  • The customer must disclose the correct monthly expenses in the basic expenses statement form (according to the principles of responsible financing for individuals) in order for the credit study to be carried out for financing by the bank, which is commensurate with the customer's needs and financial obligations.
  • Disclosing the information (personal, current job, financial ability) correctly on the mortgage application form, and the data must be updated in the event of any change in the information with the bank such as the national address or job information and others.
  • Correctly answer the health status acknowledgment questions in the funding application form.
  • Informing the bank of the retirement plan before starting the financing procedures so that solutions and alternatives are created to suit the client's circumstances
  • The customer must receive a copy of the terms and conditions of the financing contract, read it and request advice if desired before starting the financing procedures.
  • Submitting the required documents (income, job and real estate) and their validity is under the responsibility of the client.
  • The client must ensure the safety of the property and that it is free from engineering and construction defects, as the bank's valuation of the property depends on the market price of the property and does not guarantee the engineering quality.
  • The customer must ensure that the real estate financing offer has been received, reviewed and communicated with the credit advisor in the bank during the waiting period of five working days from receiving the offer and not to take any action regarding the property during the waiting period, such as: providing an advance payment or a deposit.
  • Signing real estate finance contracts and their attachments is the client's personal responsibility. Therefore, the contracts must be carefully read and understood, ensure the completeness and validity of the data mentioned in the contract, and request explanation and advice from the credit advisor when needed for clarification before signing the contract.
  • The customer must receive a signed copy of the contract and it attachments and keep it after completing the financing.
2 Late payment
  • The customer shall be obligated to pay regularly and not be late or default in payment so as not to affect the customer's credit record in the credit information company "SIMAH" and it will be reflected in the future on the credit record in the event the customer desires to obtain one of the credit products.
  • Communicate with the bank to request credit advice in the event the customer encounters financial difficulties in paying his obligations towards the bank so that the bank can offer the options that it can make available to the customer in proportion to his financial situation, without that obligating the bank to waive any of its rights.
  • The customer is obligated to pay regularly, as in the event of non-payment of three consecutive installments or delay in payment of five separate installments, the customer will be considered defaulting and the bank will have the right to start taking legal procedures with the competent judicial authorities.
3 Death or total disability
  • The customer must be credible by answering the health status acknowledgment questions in the real estate finance application form in order to obtain insurance coverage (exemption) in the event of death or total disability, God forbid.
  • The customer or his family must visit the bank in case of death or total disability, God forbid, with the required documents mentioned in the (Life Takaful Policy) to benefit from the insurance coverage during the time period specified by the insurance company
4 Expenses that may be incurred by the customer and are non-refundable
  • The bank is not entitled to ask the customer to pay any amounts in excess of the amounts incurred according to the financing contract, except in the following cases:
    • If taxes, levies, or fees are imposed on the property in the future, including value-added tax.
    • In the event that the client refuses to pay and is considered defaulted and the collection procedures are exhausted, the client will be transferred to the judicial decision and the client will bear the litigation expenses after the issuance of the judicial ruling.
    • Evaluation fees for real estate finance that are paid by the customer. The customer has no right to ask the bank to recover it after starting the evaluation stage procedures.
5 Insurance
  • The customer must review, receive and abide by the terms of the insurance policies (Life Takaful Insurance Policy) and (Property Damage Insurance Policy) and keep them.
  • The customer must not do any action that affects the validity or effectiveness of the insurance coverage
6 Construction defects of the property
  • The customer must ensure that the property is free of any construction or engineering defects by consulting personally or contracting with an engineering company and verifying the guarantees on the foundations, structures and internal extensions from the seller, if any, before starting the financing procedures to avoid the occurrence of any defects that partially or completely affect the property Avoid future maintenance costs.
7 Warranties
  • The customer must maintain the continuity and validity of all the guarantees provided to the bank and not do anything that reduces the value of the guarantees provided or affects the bank's rights arising therefrom.
  • The customer has to commit to regular payment to avoid default and to avoid execution by the bank on the guarantees provided by the customer.
8 Breach and termination of contract
  • The customer should avoid the cases in which the bank has the right to terminate the financing contract on its own, which are:
    • When the customer fails to pay the due installments and does not correct the default within the period agreed upon by the bank.
    • The client's breach of the terms or conditions contained in the financing contract documents and the failure to correct that.
    • When it is proven that any information, pledges, declarations or guarantees submitted by the client under the financing contract are incorrect.

Communicate with a Credit Advisory

Dear Customer,

Contact us to get advices on the best products that suits your financial status and obligation. Our advisors will support you with the highest level of transparency in order protect your banking rights.