O% Installment up to 42 Months on Koppel Aircons
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| Promo Mechanics: 1. The promo is open to all active principal and supplementary PNB-issued credit cards in good credit standing except Corporate Cards. 2. 0% installment up to 42 months payment term is applicable to the following item: Model Price Monthly Authorization for 42 months 4. The monthly installment amount shall be posted as a regular transaction on the 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. 5. Cardholder may request to charge the full amount of the remaining unpaid principal amount subject to PNB’s approval. A processing fee of 5% of the total unpaid principal balance or P500, whichever is higher, shall be charged to the cardholder’s account. The unpaid principal amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge. 6. Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable. 7. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB. 8. Offers (freebies and discounts) are not convertible to cash, points, miles, and cannot be used in conjunction with other PNB Credit Cards and partner merchants in-store promotion. 9. In the purchase of goods and services which are on promotional discount, The Senior Citizen can avail of the promotional discount or the discount provided under the Expanded Senior Citizens Act of 2010, whichever is higher. 10. The Terms and Conditions governing issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof. 11. In case of dispute, PNB has the final decision upon approval of DTI.
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