0% installment at the SM Store with your PNB Credit Card!
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ZAPP Promo Mechanics: 1. The 0% interest is open to all active principal and supplementary PNB issued credit cards in good credit standing except Corporate Cards. 2. Minimum transaction amount for 0% installment is P3,000. Cardholders will be duly informed of both minimum purchase requirements and available installment options by partner merchant. 3. 0% interest is subject to bank approval and shall apply if the total outstanding balance is paid in full. 4. All 0% installment transactions posted in the Cardholder’s account shall earn rewards points/miles and will be reflected in the SOA upon posting of the monthly amortization. 5. The monthly installment amount shall be posted as a regular transaction on the cardholder’s credit card account and shall form part of the total amount due. Should the cardholder choose to pay only a portion of the total amount due, but not less than the minimum amount due, the monthly installment shall be subject to the regular finance charges. 6. Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total unpaid installment balance or Php500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment amount plus interest and applicable fees will form part of the outstanding balance and subject to monthly finance charge. 7. Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable. 8. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB. 9. The Terms and Conditions governing issuance and use of PNB Credit Cards are incorporated herein by reference and made integral part hereof. 10. In case of dispute, PNB has the final decision upon approval of DTI. Per DTI Fair Trade Permit No. FTEB-182402 Series of 2023. |
