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With a Coop Pank credit card, you decide for yourself when you make repayments, and you can change the repayment date at any time in the Internet bank.
You can also transfer funds from your credit card to your current account, and any purchases you make with the card are automatically insured. With a credit card you can quickly, easily and securely make payments with the help of Apple Pay or Google Pay.
On top of all that, the approval process for applications is instantaneous
Make the most of the 40-day interest-free period and repay what you’ve used whenever and in whatever amount you want. You can amend your preferences at any time.
You can make transfers from your credit card to your current account in Coop Pank. Applications are processed immediately, and if approved, you can start using the money as soon as you sign your contract.
Our credit card comes with automatic purchase insurance, with larger purchases being covered for 180 days.
Be sure to review the credit card terms and conditions and the price list.
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Make repayments according to your needs. You can always quickly and conveniently change your choice in the Internet Bank.1. Repay the total credit limit drawn down in the previous month
You are using the credit card without interest, as the entire credit limit drawn down in the previous month will automatically be debited from the current account tied to your card on the 10th day of each month.2. Make repayments yourself
Choose when to pay back the credit limit you have drawn down and in what amount. You can choose the frequency and the amount of repayments. Only the interest accumulated for the credit limit you have drawn down will be debited from the current account tied to your card on the 10th day of each month. You can choose the repayment date of the used limit yourself. No interest is charged if the repayment is made before the 10th day of the month. The total credit limit drawn down must be repaid when the contract expires.3. Repay a fixed amount every month
You can determine a specific amount to be debited from your current account linked to your account on the 10th day of each month. The monthly payment will not be charged automatically if you have not drawn down the credit limit or have already paid it back yourself. The repayment does not include interest. The interest accumulated for the credit limit you have drawn down will be debited from your current account on the 10th day of each month.
The initial annual percentage rate is 22.21% under the following example conditions: credit limit of €1,000, fixed interest 18% per year, monthly fee for the card €1 per month, total amount of credit €1,119.76 and amount of repayments €1,107.76.
The rate is calculated on the assumption that the entire credit limit is drawn down at the earliest opportunity and in full, that the used credit limit is repaid in equal monthly instalments over 12 consecutive months and that interest and the monthly fee for the card are paid together with the instalments of the credit limit.
What is purchase insurance?
Purchase insurance is 180-day insurance cover automatically applied to your larger purchases for which you have paid by a Coop Pank debit or credit card.Which purchases are covered by purchase insurance?
Purchase insurance applies to every purchase of durable goods* made from a shop or online store that costs €100-2,500. The deductible per each insured event is €30.
* Durable goods are products designed for long-term use by the manufacturer: mobile phones, tablets and laptops, clothes, footwear, electric scooters, precious stones and metals, fur products, paintings, sculptures, etc. For example, used goods, food, motor vehicles, plants and animals are not durable goods. Please note that the maximum indemnity limit for certain goods (e.g. technical equipment) is €500. Read more about the terms and conditions of purchase insurance here.
Does purchase insurance also apply to goods purchased abroad or ordered from an online store?
Yes, just pay the purchase using your Coop Pank debit or credit card and your purchase will automatically be covered for 180 days.
What should I do in the case of an insured event?
As the purchase insurance partner of Coop Pank is IF P&C Insurance AS, please report the insured event* here so we can handle your claim faster. Just write the keyword “Coop” in the policy field.
* Insured event means the sudden and unforeseeable destruction, damage or theft of the insured product. Losing or forgetting a products is not deemed an insured event.
Do I have to keep the purchase receipt to receive compensation in the case of an insured event?
No, a statement from the Internet bank is enough to prove the purchase related to the insured event.
Read the terms and conditions of purchase insurance here.
A credit card represents a financial obligation in assuming which we recommend that you seriously consider your needs and possibilities.