Για να δείτε το μήνυμα πρέπει να έχετε εγκατεστημένο το Macromedia Flash.
Frequently Asked Questions
What is Credicom e-Services?
For you that you want to control your accounts wherever you are, Credicom Consumer Finance has created the electronic banking service "e-Sevices".
 
e-Services "transfer" the Bank on the screen of your computer through the Internet, with direct access to your bank accounts. Now you can perform your banking transactions 24 by 7, quickly, easily and safely. Visit our site www.credicom.gr, select Click2Bank, use your personal code and you will find detailed instructions for e-Services activation.
 
How can I pay my installments?
You can pay your installments:
  • At any Emporiki Bank branch before the installment date,
  • With a standing order from an Emporiki Bank account,
  • Through the Web Banking of Emporiki Bank using your account number,
  • At the post office (ELTA) using the relevant form provided with your periodical statement. Please note that your payment should be made at least 5 working days before the due payment date in order for your account to be credited in time,
  • At the bank of your choice through Dias Debit service ( Press here for a list of Diasdebit members ),
  • Through e-Services at https:// eservices.credicom.gr, 24 by 7, using your deposit account at Emporiki Bank.
Please note that for certain means of payment expenses could be applicable, for which you can be informed by the relevant Bank. These expenses are applied and collected by the cooperative Banks or ELTA and not by Credicom Consumer Finance.



 
Where are the Credicom Consumer Finance branches located?

Credicom Consumer Finance does not have a traditional branch network. However, several alternative networks and services including a comprehensive in-house telephone call center, internet and SMS, are available to our customers. Moreover, several means of payments are available (i.e. at Emporiki branches, through standing orders from the bank account of your choice, at the Hellenic Post Office, online payments, etc.).

How can I set up a standing order ?
Installments can be drawn automatically from your Emporiki Bank account or an account of another Bank, member of Dias Debit services. Please make a written, signed request and attach a copy of the first page of your bank account book. The standing order will be set up within one business day! (Fax: 210-9396601)
How can I make a prepayment?
Please contact with Credicom Customer Services.To speak with one of our representatives please call 801-11-96600 (from land lines – call is charged at the local rate throughout Greece) or 210-9396600 (from cell phone or abroad). For your convenience,  you, should always have  available your payment id or credit card and also your personal data.
May I pay off the loan before the end of its duration?
Please contact with Credicom Customer Services.To speak with one of our representatives please call 801-11-96600 (from land lines – call is charged at the local rate throughout Greece) or 210-9396600 (from cell phone or abroad). For your convenience,  you, should always have  available your payment id or credit card and also your personal data.
Can I change the duration of my loan?
The duration of your loan can be extended, upon your request. The evaluation and reply to your request is provided shortly and is carried out at no extra cost to you!
What should I do after the repayment of my car loan?
Upon full repayment of your loan installments, please contact us and we will send you:
  • The document assuring the full repayment of your loan and stating the Bank's agreement for the waiving of retention of ownership (in case retention of your vehicle's ownership existed). This document must be delivered to the dealership where the vehicle was purchased from. There, you will be informed of the steps that need to be followed in order for the waiving of the retention of ownership to be completed.
or
  • A document assuring the full repayment of your loan in case your vehicle's ownership was not retained. 
How can I change my mailing address?
You may change your mailing address by providing us with a utility public service bill in your name where your new address is stated or any other document indicating your name and new address.
How often will I receive a notice to pay my installments?
 
If your loan is linked to a credit card account you will receive a monthly statement. If it is not linked to a credit card account, you will receive a loan statement every three months.

Request your loan statement to be sent to you by fax, e-mail or post by using our automatic IVR service or by contacting one of our representatives!
 
When will I receive the contracts that I signed at the dealership for my consumer loan?
You will receive the original financing documents by post once your loan has been disbursed and before the date of your first instalment payment. These documents include the contracts signed at the dealership, a detailed instalment schedule including all the loan instalments and the insurance policy you have been enrolled to an insurance programme.
 
 
 
 
 
Is there an insurance product available which guarantees the payment of my loan instalments?
Emporiki Credicom, through Emporiki Credicom Insurance Brokers recommends Protection 4Χ4 which guarantees:  
  • Payment of your loan instalments in case of unemployment, short-term disability and loss of income due to hospitalization after an accident occur, and,
  • Full payment of the outstanding balance of the loan in case of death or total permanent disability due to accident.
At the moment I am employed in the private sector but I will soon become a civil servant or a self-employed individual. Will anything change with my insurance policy?
Our insurance products are designed to cover our customers regardless of their profession.

Therefore, should the nature of your job change during the term of your loan, coverage relevant to your job is activated while other coverage may be rendered inactive. This procedure may be repeated each time your profession changes during the term of your loan.
 
 
I already have a personal insurance policy which covers the benefits offered by your insurance products. Why should I pay additional premiums?
Our insurance products work in conjunction with our customers loans and therefore they cover specific areas related to the loans. By adding an insurance policy you secure your loan and should a covered risk occur your loan will be paid in full or in part depending on the situation. You are concurrently entitled to compensation from your personal insurance which may cover your expenses for a stay in hospital or for surgery, depending on what benefits are covered by the policy.
Can I purchase two Credicom insurance products for the same loan?
You may purchase two products for the same loan provided that they do not cover the same risks. For example, if you have a life insurance product for illness or accident you may also have coverage for unemployment or hospital expenses and short-term disability due to accident at the same time.
Is my insurance cancelled if I pay off the loan?
As our insurance products are designed to cover Emporiki bank loans, the insurance is cancelled once the loan is paid back in full.

Naturally, unearned premiums are refunded to you based on the date the insurance is cancelled.
 
Do I pay the premiums to the insurance company?
The bank undertakes to pay the premiums to the insurance company on your behalf. You submit the premiums with your loan installment and nothing further is required on your part.
What is my refunding procedure?
You may contact with the phone numbers of the Insurance Company, in order to inform for the risk occurred and as the case may be, highly skilled employees inform you for the refunding procedure.
The premium is paid by the Insurance Company directly to the bank, so as it doesn’t have any further claim from you.
What should I do to report a credit card as lost or stolen?

If your credit card is lost or stolen, you should immediately report this to Credicom Consumer Finance by calling 24 hours/day, 7 days/week to 801-11-96600 (using a land line, with local rate charge) or 210-9396600 (from mobile phone or abroad).
How can I apply for Credicom Visa ?

You can apply for  Credicom Visa by :

  • Apply online here or
  • Telephone application on 801-11-96500 from a land line or on 210 9396500 from a mobile phone.One of our representatives will fill up your application.
How can I apply for a co brand Visa card issued in cooperation with automobile or furnishing/fashion companies ?
You may apply for a co brand credit card at our partners' locations. They will send the application  electonically for evaluation.
How can I find out the status of my Credicom Visa application?
If you applied for Credicom Visa online, you can check your application status online, by clicking to Check the status of my application and submitting your e-mail and the unique security code  you have previously received. Alternatively, you can call to 801-11-96500 or 210-9396500.

In the case of a telephone application you can be informed about your application’s status by calling to    801-11-96500 or 210-9396500 during regular working hours.
How will I receive my card?
You will receive your credit card by registered post, to the address provided to your application.
How should I receive my Personal Identification Number (P.I.N.) ?
A few days after the issue and mailing of your card to the address you have indicated to Credicom Consumer Finance, we will sent by regular mail your P.I.N. number.
When should I pay my credit card statement?
Your credit card statement will be issued monthly on a specific date and will be sent to you by regular mail.  It must be paid (the minimum payment amount at least) until the due date, which is approximately 20 calendar days from the issuance date.
What is IVR?
Interactive Voice Response system is Credicom Consumer Finance 24h Automatic service that gives you several options through the keyboard of your telephone device, simply by providing your account or credit card number and your personal information ( Tax Identification Number and birth date).

Some of the services provided automatically are receiving information concerning your loan account or credit card balance, your monthly installment, your last payment conducted, as well as other important product information. 

Also, through Credicom Consumer Finance Interactive Voice Response System you can report immediately yyour credit card as lost or stolen or, automatically and avoiding long waiting, request a copy of your account statement or any other document related to your finance.

Additionally, you can provide your telephone details in order to be contacted by the Bank for the settlement of your financing.