1. imaginersGen S.A, agent of CaixaBank, S.A. CaixaBank, S.A. markets products of the hybrid payment institution CAIXABANK PAYMENTS & CONSUMER, E. F. C., E. P., S. A. U. (CPC), with registered office at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid), and the entity that offers the cards. The system chosen by CPC to protect service users' funds is to deposit them in a separate account opened with CaixaBank S.A. The card is granted subject to analysis of the applicant's credit rating and their ability to pay, in keeping with the risk policies of CPC.
2. €0 issue and maintenance fee for the credit card (MyCard). You can view the prices usually applied to the banking services most frequently provided (Annex 1) at https://www.caixabank.es/particular/general/tarifascomisiones_es.html
3. The instalment payment method consists of paying the purchase with interest in the instalments of your choice (between 2 and 12 from €40, and for purchases of €600 or more, also 15, 18, 21 and 24 instalments). The minimum purchase amount is €40 and the maximum amount is the credit limit available on your card. Example of installment payments activated before purchase (no grace period). Terms range from 2 to 12 months and 15, 18, 21, and 24 months. Representative example calculated for a €1,500 purchase (total credit) split with the card over 12 months: 22.42% APR. 20.40% NIR. Total amount owed: €1,670.88. Total cost of credit (interest payment): €170.88. Monthly installment amount: 12 installments of €139.24. French amortization system. Example of instalment plan activated after the purchase (with a one-month grace period): representative example calculated for a purchase of €1,500 (total credit) split with the card over 13 months, 12 instalments, with a one-month grace period (principal and interest) with interest on the principal. Total amount owed: €1,699.26. Total cost of the credit (interest payment): €199.26. Amount of the monthly payments: 11 instalments of €141.61 and a final instalment of €141.55. 22.42% APR. 20.40% NIR. French repayment system. You can see the usual prices for the most common banking services (Annex 1) at: www.caixabank.es/tarifas
4. CaixaBank will not charge for using its ATMs when you withdraw cash using your card.
5. We won't charge you for debit cash withdrawals with these cards from any foreign ATM.
