Your personal financial freedom.

With the installment facility you can control the payment of your credit card expenses discreetly and without complications. You decide yourself which amount of your monthly statement you would like to remit.

Only a minimum payment of 5% of the total statement amount, but no less than 50 CHF, is due each month. The installment facility of your credit card gives you the flexibility and convenience you need within your card limit.

Your advantages at a glance:

  • Shop safely world-wide and without cash, using your credit card
  • Financial flexibility within the spending limit
  • Decide yourself when and how many installments are paid
  • Clear limits thanks to the spending limit

How does the installment facility work?

Instead of paying the whole credit card statement all at once, you can distribute repayment over several months. Each month you decide yourself which amount you want to transfer. The monthly minimum amount is indicated clearly on your monthly invoice.

What do I have to do to be able to benefit from the installment facility?

First you should check if the installment facility is already active for your credit card. You can see this by looking at your monthly statement. If the amount under «Minimum payment» is lower than the total amount of your monthly invoice, this means that the installment facility is activated. If not, the appropriate application form can be filled in on the screen and sent to Swisscard AECS GmbH. We will pay the postage for you. Please use the prepaid envelope for this.

Do I have to use the installment facility if it is active?

No, the installment facility is available for you if it has been activated, and you may use it as and when you want.

What is the credit amount available for me?

We assess your credit rating according to the details given by you. Following this assessment, we define a credit limit for your credit card, which corresponds with the spending limit of your card. You may use the installment facility within your credit limit. Please note that we will adjust your credit limit should your financial situation deteriorate. This is for your own protection. As a matter of course, you may apply for an increase of your credit limit with an improvement of your financial situation.

How much does the installment facility cost me?

You pay an effective annual interest as agreed in your credit card conditions.

What happens if I get into financial difficulties?

We recommend planning your budget carefully. The Balance Protection Insurance your payment obligation in the framework of the insurance conditions, so that in the event of a sudden emergency situation, such as disability or unemployment, you suffer no financial shortages.

Application Form Balance Protection Insurance