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These terms and conditions comprise the agreement between STERLING BANK PLC (hereinafter referred to as “the Bank”) and the CARDHOLDER (hereinafter referred to as “the holder”) in connection with the cardholder’s STERLING BANK Visa Credit Card. In this agreement CARDHOLDER shall include (where appropriate) persons whom the STERLING BANK VISA CREDIT CARD has been issued to subject to the customer’s instruction. By using the STERLING BANK VISA CREDIT CARD, the holder unconditionally agrees to be bound by the laws, rules, regulations, and official issuances applicable, now existing or which may hereinafter be enacted, issued or enforced.
for the STERLING BANK Visa Credit Card to be issued in favour of . The card may be used for the purpose of effecting payment for goods or services on a credit basis. The parties have agreed that the relationship shall be governed by the terms and conditions set out hereunder."
Account - STERLING BANK Visa Credit Card account held or to be held with STERLING BANK, the number of which shall be communicated to the Account holder as appropriate. Account Currency-Currency in which the Account is denominated.
Account Holder - means an individual or anybody corporate or non-corporate in whose name an account is maintained. Card-means a STERLING BANK Visa Credit Card issued by STERLING BANK PLC, including any renewal or replacement Card or Cards.
Cardholder - means the possessor of the card and/or persons having power alone to operate the Account in accordance with the Bank’s mandate in respect thereof, having been so authorised by the Account Holder.
Credit Limit - means the maximum debit balance permitted to the Account Holder as determined and noticed to the Account Holder by the Bank from time to time.
Debit Balance - The level of indebtedness of the customer, comprising all transactions, fees and interest (finance) charges.
PIN - means the personal identification number issued to the Cardholder for use with the Card.
Transaction - means any cash withdrawal or payment made using the Card, or any refund arising in connection with the use of the Card in any authorized manner for debit or credit to the Account.
By signing this application form, the cardholder consents that STERLING BANK shall share all
relevant customer information with credit bureaus operating in Nigeria, under the guidelines of
the CBN, including notification of late and missed repayments. STERLING BANK shall not be
liable for any errors in the information supplied to the bureaux or the subsequent use of any
information by any other financial institutions in Nigeria.
The Bank will refund a claim by the account holder, for a debit incorrectly or erroneously applied,
brought to the notice of the bank, only after an independent investigation is conducted and the
bank satisfied that such claims are verifiable. The account-holder shall not base a claim against the
bank on another claim against a third-party, unless there is a pre-existing legal right to that effect.
The Bank may amend the terms of this agreement, including charges upon notification to the cardholder by the following means:
I, , warrant that the information supplied by me is true and correct. I agree that:
The card is issued to the Bank’s terms and conditions as stated
I have read, understood, and hereby agree to be bound by the Visa Credit Card Terms and Conditions by signing and submitting this application. I hereby authorize the bank to undertake credit search credit search on my behalf and debit my account for all costs accrued.
Date of application:
Applicant’s Full Names: