DSK shopping mobile background

DSK Shopping credit card

What do I get with DSK Shopping?


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With a DSK Shopping card, you can buy the goods you want in equal installments and receive a free limit for your daily purchases.
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The limit is restored and you can use it for new POS purchases or ATM withdrawals upon repayment of each monthly installment.

What are the advantages of the DSK Shopping card?


  • You buy the desired goods and pay for them in equal installments

  • You have additional funds to pay at a POS terminal or withdraw from an ATM

  • You do not pay interest on POS purchases when you repay the entire debt on time

  • You receive free SMS notifications about amounts due and transactions

  • No additional service fee is charged for the DSK Shopping card

  • Shop quickly and securely online


How to get a DSK Shopping card?

How is DSK Shopping issued?

In the retail network where we offer commodity loans. Our consultant will inform you about this option when you apply to purchase goods on credit.

What limit do you get?

The limit you receive is granted according to your customer profile, so that you can purchase the goods you want plus an additional free limit for use at POS or ATMs if needed.

Where to look for your card?

You can choose to receive it at a branch of your choice or by courier. You will receive a notification when the card is at the branch. If you prefer courier delivery, you will receive a call to arrange delivery.

What else do you need to know?


How to use the card?

  • Once you have purchased the desired goods, you can use the card up to the available limit. Each month, as you pay off the installments for the goods, the limit will increase and can be used again.
  • For example: Granted limit - BGN 2 000. Financing of goods (including interest due) - BGN 1 200. (12 months x BGN 100). Available limit at the time of receiving the card - BGN 2 000 - BGN 1 200 = BGN 800.
  • Once you pay off the first installment for the goods in the amount of BGN 100, the available limit increases to BGN 800 + BGN 100 = BGN 900, and so on each subsequent month.

How can you know the amount of the debt and when it should be repaid?

  • The due date is automatically determined based on the time of the month you apply and is either the 10th or 20th. The due date is specified in the contract.
  • Every month, one day after the due date (if there are holidays, then on the first working day), you will receive an SMS/Viber message about the amount due and the payment deadline.
  • The payment includes the amount due for the goods and 3% of the available limit if the card is used at a POS terminal or ATM.
  • Be sure to take action to settle the debt after you receive the notification to ensure that the reporting period is closed.

What would card service look like?


The example given has a due date of the 10th. Usually, the final repayment date is the 25th of the same month. If the due date is the 20th, the final repayment date is the 5th of the following month.



1.
You sign a POS credit agreement and take out DSK Shopping on 02.01 (the first due date will be 10.01).
2.
On January 11, you will receive an SMS or Viber message with the amount due, which you must pay by January 25.
3.
From January 11 to February 10, you can withdraw cash using your card at an ATM or pay at a POS terminal.
4.
You will see the fee due for the transactions in the message you will receive on 11.02.
5.
You pay the amount due for the stock credit together with the POS or ATM transaction fee by 25.02.