Features and benefits of Easy Credit Card that make your life easier:

• Lowest Service Charges:
  Standard Chartered Easy Credit Card offers you global acceptability with a higher than usual credit limit and a highly competitive financial charge of only 2.08 % per month. Financial charges are levied on the amount from the transaction date and will apply on the billing date.
• Cheque Book Convenience:
  When you receive your Easy Credit Card (EC) you also receive an Easy Credit Cheque book. As an added convenience you can issue EC Cheques in Pakistan to your friends and family or to anyone you absolutely please. Furthermore, you can also issue EC Cheques at all places where Credit Card processing machines are not available.
• ATM Convenience:
  Your Easy Credit Card can also to act as an ATM Card. It lets you withdraw cash at ATMs bearing the MasterCard or M-Net logo worldwide.
• Global Acceptability:
  With EC Card's global acceptability - you have no fear of running out of cash anywhere in the world. You can use your EC Card globally and benefit from MasterCard's legendary global acceptability.

• Supplementary Cards:
  Be it your friends, family or loved ones, you can have Supplementary Cards issued and have the power of Easy Credit extended to absolutely anyone. Supplementary EC Card members receive a Supplementary EC cheque book as well. So feel free to share the countless advantages of Standard Chartered Easy Credit with others.
• BTF Ready:
  Easy Credit also offers you Balance Transfer Facility. You can now have other Credit Cards' outstanding balances transferred to your Easy Credit Card (EC) Account at a highly competitive financial charge of 2.08 % per month and then pay back at your convenience.
• Travel Accident Cover:
  As an international traveller, you are automatically covered for travel accidents up to 1 million Rupees, if you purchase your ticket through EC.
• Credit Cover:
  Easy Credit protects you from life's uncertainties with Credit Cover, be it prolonged illness or disability. If due to unforeseen circumstances, you are unable to pay your bill, you can just take advantage of the EC Credit Cover and have all outstanding payments covered.

• Zero Loss Liability:
  It is for your comfort and security, that with Zero Loss Liability, Easy Credit covers you for all fraudulent charges made on your EC Account. All you have to do is report the matter to us immediately and subsequently you are secured against loss, theft and even bad luck.
• Foreign Transactions:
  When you use your EC Card outside Pakistan, the transaction amount will be converted from the transaction currency to US Dollars, based on the international exchange rate prevailing on that date. In order to assist card members, all transactions will be converted into Pak Rupees for payment.

Q. What is Easy Credit?

Easy Credit is a Credit Card combined with the convenience of a cheque book, which means that you can pay anyone through cheques.

Q. Is there a cash withdrawal limit with my Credit Card?

You can withdraw cash up to 30 % of your credit limit. For example, if your credit limit is Rs. 100,000 and your withdrawal limit is 30 %, then your cash withdrawal limit will be Rs. 30,000.

Q. How is it better than any other credit facility?

Easy Credit offers you a globally accepted Credit Card, a highly competitive financial charge of 25 % per annum and a cheque book facility. This means that Easy Credit is the best credit line facility available across the country.

Q. Do I need to be a Standard Chartered Account Holder or Standard Chartered Card member to be eligible?

No, you just need to meet the Easy Credit criteria.

Q. Do I have to apply for the Easy Credit cheque book? Will I be charged for the cheque book?

Yes, you have to apply for the cheque book, through the request form, which is part of the Easy Credit Application Form. You will be required to pay a fee to have an Easy Credit cheque book issued.

Q. Where can I use the Easy Credit cheque book and how?

You can use the Easy Credit cheque book anywhere you like. For example, Easy Credit cheques can be used for payments where the merchant does not have a Credit Card processing machine or does not accept Credit Cards. It can also be used to pay anyone with a bank account. However Easy Credit cheques are 'Account Payee' cheques and can only be used within Pakistan.

Q. Is there a difference between an ordinary account cheque and an Easy Credit cheque?

Yes, there is, the amount is debited from the customer's bank account when using an ordinary account cheque, whereas with an Easy Credit cheque, the amount mentioned on the cheque is deducted from your Easy Credit Card Account. This means you don't have to pay the whole amount at the same time. Also Easy Credit Cheques are 'Account Payee' cheques only, i.e. the amount mentioned on the cheques can only be credited to the payee's account.

Q. How and where can I use the Easy Credit Card?

The Easy Credit Card can be used globally at any merchant establishment where a MasterCard is accepted.

Q. Whom can I pay with Easy Credit Card?

You can pay anyone. You can use your Easy Credit Card at any merchant accepting Credit Cards, or you can use an Easy Credit cheque to make a payment where Credit Cards are not accepted, even to a friend.

Q. Is this service extended to Supplementary Card members?

Yes. This service is valid for both Basic and Supplementary Card members.

Q. Will I be charged a fee for cash withdrawal / cash advance?

No fee is charged for cheques used to pay third parties. However, a fee will be charged as per the Schedule of Charges, for cash withdrawals through an ATM or over-the-counter.

Q. Can I transfer my outstanding balance from another bank's credit card to Easy Credit?

Yes, you can transfer the outstanding balance from any other bank's credit cards to Standard Chartered Easy Credit Account at an extremely competitive rate (Easy Credit Terms and Conditions apply).

Q. Do I have to clear my entire outstanding balance at the end of each month?

No, you can choose to revolve your credit and repay as little as 5% of your outstanding balance for competitive financial charges.

Q. How will I be charged the service fee?

A highly competitive financial charge of 2.08% per month will be levied from the transaction date till the complete outstanding balance on your Easy Credit is paid in full.

Q. How and where do I make my monthly payments?

You can make your monthly payment by:

• Paying cash over the counter at any Standard Chartered branch in Pakistan.
• Sending a cheque/pay order/draft in the name of 'Standard Chartered Bank, Credit Cards' by mail or through the Drop Box at any Standard Chartered branch or TCS Express Centres in Lahore, Islamabad or Karachi. Please indicate your name and card number on the reverse of the cheque.
• Through Auto Debit for Standard Chartered Current/Savings account holders (either 5% of the outstanding balance or the total amount).
• By Telegraphic Transfer. Your payment will be credited to your card account after funds are received by Standard Chartered, Consumer Banking, Cards, Pakistan.

Q. What should I do if I encounter a problem with my Easy Credit Card account?

If you face any problem with your Card or Card Account, call our 24-hour Customer Service on 111-002-002. Or e-mail your queries to ask.us@pk.standardchartered.com

Q. What should I do if I lose my Card, Cheque Leaf or Chequebook?

In the event that your card, cheque leaf or chequebook is lost or stolen, please report it immediately at 111-002-002.

Q. What if I have a discrepancy/error on my monthly statement?

If you notice any discrepancy in your monthly statement, report the matter to our customer service within 7 days. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.