Ncb credit card application form

This occurs when the acquirer (Merchant) refutes or returns the Dispute request by providing documentation to substantiate the charge.

A Pre Arbitration or Second Presentment is the final chance an Acquirer (Merchant) has to resolve a dispute with the Issuer (Card Holder) before it is escalated to Visa or MasterCard for them to make a FINAL ruling on the case.

An Arbitration is the final stage of the Dispute process. If the Issuer (Cardholder) is unable to resolve the dispute with the acquirer (Merchant) then a case is filed with Visa/MasterCard to decide which party is responsible or liable for the disputed transaction(s). This decision is final and must be accepted by both parties.

A provisional credit is the interim reversal of a transaction, pending the outcome of an investigation. The transaction can be re-applied based on the finding of the investigation.

• The Dispute request should be raised within 100 days of the transaction.
• The Provisional Credit will be applied to the customer’s account and held for 10 days days pending the outcome of our investigations.
• Generally, the Provisional Credit will be released after 10 days. However, the hold can be extended based on the outcome of our investigations.

Yes, you may update your contact information my using the Update Contact Information feature to change your cell phone number, email address or mailing address using RSA verification.

These Fees are ONLY applied if it is found that the Card holder is at fault.

• Research fee on non-Jamaican Currency transactions – US$25.00 .
• Research fee on Jamaican Currency transactions – JA$ 850.00 .
• US$500 arbitration/compliance fees

To report your card lost, stolen, not received or damaged click on the "Request a Replacement Card” tab and complete the form. If you still need to speak to a customer care representative Click Here for a list of all emergency contact numbers.

Stolen or damaged cards do not attract replacement fees. However, fees associated with replacement of lost card are product specific and in accordance with existing schedule of rates and charges.

Cards reported lost, stolen, not received or damaged are immediately replaced and dispatched for collection within three (3) working days from the post office.

Cards reported lost, stolen, not received or damaged are immediately replaced and subsequently dispatched for collection. Therefore, due care must be taken prior to making report as this cannot be cancelled after submission if card is found

Select block or unblock a card tab and click the button on the appropriate card. For unblocking card, your RSA Token is required. If you still need to speak to a customer care representative Click Here for a list of all emergency contact numbers.

To block a card means that a temporary restriction is place on the card to prevent any further transaction authorization. However, this does not prevent applicable card fees and charges from being generated and monthly payment required.

Your card can be unblocked at any time you choose using RSA Token. However, to facilitate further usage, temporary blocked should be removed as soon as possible.

RSA Token should be reset or you may contact a customer care representative Click Here for a list of all emergency contact numbers.

• A dispute is a complaint filed by a cardholder regarding a transaction posted on his/ her credit card account.
• The dispute is a transaction reversal meant to serve as a form of consumer protection from unauthorised transactions on credit cards, which can be committed by both merchants and individuals.

• For unfamiliar transactions (fraud), you may start the process by replying to the transaction text alert which will automatically block your card from any further attempts. Then you proceed to the Create new Dispute tab and follow the steps provided.
• Other types of disputes which are not classified as fraud considering that the transaction would be known to you, kindly proceed to the Create new Dispute tab and follow the steps provided.

I did not receive a transaction text message but recognized an unfamiliar transaction done on my card?

You may immediately proceed to create a dispute using the Create New Dispute tab and follow the steps provided.

Yes, in replying you should type the keyword just as is.

Yes. After 24 hours, the reply feature with the specific keyword will no longer be valid. If you have not responded within 24 hours, kindly proceed to the Create new Dispute tab and follow the steps provided or call Customer Care for assistance.

You will receive a second text confirming that your card has been blocked and a replacement card sent to your address. You will then be required to proceed to create the dispute as soon as possible.

An email will be sent to you upon receipt of the request and another once the transaction has been processed by the merchant. You can also view the Track your Dispute for updates.

Yes, if after 14 days the merchant has not settled, the request can be cancelled, however you may attempt to raise the dispute via the portal once the merchant settles.

Yes, you may update your contact information my using the “Update Contact Information” feature to change your cell phone number, email address or mailing address using RSA verification.

This could be numerous reasons, you may need to ensure you have credit to send a text, or you may have replied after 24 hours or there could have been a telecom network or system failure at the time. Please immediately, visit the Create new Dispute tab and proceed to raise your dispute or call our Customer Care to assist in creating the dispute.

If there are no keyword included in your purchase or decline text alert, it could mean that the mobile number we have on records for you is an international number. In this case, you would be required to proceed to Create new Dispute or call Customer Care here for assistance to create the dispute.

No the reply feature will be functional only on local mobile numbers (area code 876, 658). Cardholders with International numbers will be required to visit the managemycard.jncb.com, select Create new Dispute tab and follow the instructions.

NCB FlexiPay instalment plan allows NCB personal credit card customers to convert credit card purchases of J$50,000 (or US$300) or more into smaller repayments of fixed monthly instalments. Cardholders may opt for a repayment term of three (3), six (6) or twelve (12) months at agreed interest rates as low as 0%.

Yes. There is one time, fixed processing fee of J$2,500 or US$20 (inclusive of GCT) on credit cards denominated in JMD and USD respectively. The fee is applied immediately to all NCB FlexiPay instalment plans upon conversion.

• Has maintained the credit card for at least 6 months
• No delinquency in the last 6 months
• Account is in good standing
• Must be the primary cardholder

• Purchase must be posted to the account before the next statement date.
• Transaction must be greater than or equal to J$50,000, US$300.
• Credit card account must be in good standing.

Purchases made at Government agencies such as Jamaica Customs or Tax Administration Jamaica cannot be converted to NCB FlexiPay.

A transaction must be posted to the account, prior to being placed on the NCB FlexiPay instalment plan. This means that the merchant must have settled their machine. This may take anywhere from 1 to 3 business days after the purchase.

Yes. The minimum single receipt purchase amount to qualify is J$50,000 and US$300 for credit cards denominated in JMD and USD respectively.

Is there a limit to the number of purchases that I can place on an NCB FlexiPay at any point in time?

Yes. Only one (1) purchase may be converted using NCB FlexiPay at any given time. However, upon closing one, a new purchase may be converted.

1. Website – Customers may visit www.jncb.com/flexipay and complete the request form available. A confirmation call will be made to the cardholder within 24 business hours. Note: Requests submitted on the weekend or public holidays will be acknowledged on the following business day.
2. NCB Customer Care Centre (CCC) – Customers may call 888 622 3477 to have an NCB FlexiPay Specialist perform the necessary conversion and advise of the monthly payment options.

Yes. The credit card statement will reflect the transaction amount, fixed month payment, interest rate and the number of instalments left to be paid.

The monthly instalment amount will form a part of the minimum payment which must be paid in full, on or before your due date to remain in good standing. If this amount is not paid by the due date, the instalment arrangement would have been forfeited and the transaction would be converted to the regular interest rate on the credit card. A late payment fee will be applied on the next statement and the card restricted based on the length of time the amount remains unpaid.

How does a purchase on the NCB FlexiPay instalment plan affect the available credit limit on my card?

Like any other purchase, transactions placed on the NCB FlexiPay instalment plan will reduce the available credit limit by the purchase amount. Your available credit limit will be replenished by the principal portion of each payment as the total amount due is made each month.

Yes. However, a cancelled plan will attract the interest which was calculated for the duration of the plan. To cancel a plan, please call our 24-hour Customer Care Centre at 888-NCB-FIRST and an NCB FlexiPay specialist will be happy to assist.

NCB FlexiPay instalment monthly payments are included in the minimum payment and amount due and will be placed on each credit card statement commencing on the first statement generated after the initiation of an NCB FlexiPay instalment plan.

The NCB Virtual card is a free, secure and easy way to conduct purchases using a digital card instead of a physical card online or in-store by adding it to the NCB Pay Mobile wallet – our new digitized payment solution that allows secure and easy payment at any point of sale (POS) machine from your phone.

The NCB Virtual card offers a seamless application process issuing your card almost instantly without visiting a branch. Your card is stored on your smartphone, so you can conduct transactions online or in-store without having to use a physical card.

Yes, it is! Your virtual card has an added layer of security which encrypts the sensitive card information and only displays the token or digitized account number to the merchant.

• Simple to activate and use for online purchases right away. Add it to your NCB Pay Mobile Wallet for immediate use at any POS machine in-store.
• An added layer of security as you will be able to make purchases without using your physical card number.
• Hassle-free online and in-store shopping experiences, no need to pull out your physical card.

• A virtual card is issued online within 24 hours after your request. You will receive a notification to advise you on how to access your card.
• Activate immediately by visiting managemycard.jncb.com or calling 876 936-4228 as you would for a physical card so that you may start enjoying the benefits.
• You can then proceed to add your virtual card to your Internet Banking profile, your NCB Pay wallet which will facilitate in-store NFC transactions. You can also proceed to carry out online purchases from your favourite websites.
• Transactions conducted using your virtual card will be displayed on your usual monthly statement and becomes expired at the same time as your physical card.
• Card-related requests such as requesting a refund from your merchant will require the presentation of your physical card and follow the same process as requesting refunds with your physical card.

There are a few similarities to note between the virtual and physical cards, like, both cards will be the same card type. For example, a visa classic physical card will render a visa class virtual card with the same limit and expiration date, etc. However, the cards are different in several ways, such as:
• The card numbers
• CVV2

If you are a new credit or prepaid card applicant, you can apply for your virtual card during the same credit or prepaid card application process by visiting creditcard.jncb.com. Be sure to select the option to request a virtual card request. Upon approval of your physical card, you will receive a notification (email or text) which will provide you with information on how to view your virtual card.

If you are an existing credit or prepaid card customer, you may visit managemycard.jncb.com and proceed to select the option to request a virtual card on your existing physical card. You will receive a notification (email or text) which will provide you with information on how to view your virtual card.

After completing the activating process, your internet banking profile will be updated and a display of your masked virtual card will automatically be presented on your internet banking profile.

You will be required to add the card number as a payee then you may proceed to make payments to your virtual card. You also have the option to make payments to the physical card which is associated with the virtual card as they are both on the same account and will reflect the same balance and limit.

Requesting your virtual card is at no additional cost to you. However, the virtual card does function like a regular card. Subsequently, in the event of missed or partial bill payment, the associated interest will apply. For more information on the general credit card rates and charges, please visit: https://www.jncb.com/JNCB/media/Main-Librarie/pdf/NCB_Credit_Card_Rates_and_Charges_2021.pdf

A virtual card can be used to make purchases online and in-store. the in-store purchases are facilitated by use of NCB Pay wallet which can be downloaded from the Google Play store. Transactions are processed locally and internationally at any merchant who processes contactless transactions.

You can find your virtual card details by logging into Manage-My-Card portal with your credentials and navigating to ‘View my Virtual Cards’.

After activating your virtual card, proceed to add your virtual card to your NCB Pay wallet and simply tap on the point-of-sale terminal at the merchant.