knh guI.

hgan hang Thuong maI 6o phan hgoaI Ihuong VIaI ham

Be nghi hh hat hanh cho Toi/Chung toi the tin dung theo cac thong tin sau:
1 Th0h TIh 6h0h
Ma so khach hang tai vietcombank (CF): ................. .........................................
Loai the va loai hinh hat hanh:
VIaIrombank kmarIran Exprass.
hang the: vang Chuan
Loai hinh: The Ca nhan The Cong ty
han muc tin dung de nghi: ...................................................................
VIaIrombank VIaInam kIrIInas kmarIran Exprass.
hang the: vang Chuan
Loai hinh: The Ca nhan The Cong ty
So hoi vien chinh thuc chuJng trinh 0LF: ..........................................
han muc tin dung de nghi: ...................................................................
hinh thuc bao dam the: Ky quy Cam co Tin cha

Z Th0h TIh 6h0 ThE 6hhh
ho va ten (nhu tren CMh0 hoac ho chieu): .......................................................
....................................................................................................................................
Ten in tren the (chu in, toi da 18 ky tu, gom ca ky tu trong):
0iJi tinh: ham hu
hgay sinh: ............................................... 0uoc tich: ............................................
So CMh0 hoac ho chieu: ......................................................................................
hgay ca: ............................................. hJi ca: ....................................................
Bia chi nha rieng: ...................................................................................................
....................................................................................................................................
Bien thoai nha rieng: ..............................................................................................
ien thoai di dong: .................................................................................................
Bia chi email: .........................................................................................................
Trinh do hoc van: ....................................................................................................
Tinh trang hon nhan: Boc than Ba co gia dinh Khac
hinh thuc sJ huu nha J: hha rieng hha bo me Khac
ThJi han con lai J viet ham ..................................................................................
(Jci vci iuci k|ci cu tru)
ho va ten Me de: ....................................................................................................
(su Jui trci truci |cp cai xac i|ai t|ci tii k|ai cap)
8 Th0h TIh hhE hhIEF
Bi lam Tu kinh doanh
Khac (xin ghi ro): ......................................................................................
hJi cong tac: ............................................................................................................
Bia chi cJ quan: .......................................................................................................
Bien thoai: ................................................................................................................
Chuc vu: ...................................................................................................................
ThJi gian cong tac: .................................................................................................
Thu nha binh quan nam va cac nguon thu khac neu co: .................................
....................................................................................................................................

4 hhh Th06 0I 8k0 kE Vk 6k6 Th0h TIh 60k hkh hkh
Be nghi hgan hang gui Bang sao ke cac giao dich hang thang va cac thong
tin khac theo chi tiet sau:
Bang duJng buu dien, theo dia chi:
Bia chi nha rieng Bia chi cJ quan
Bia chi khac: ..............................................................................................
......................................................................................................................
Bang email
Bang ca 2 hinh thuc tren

6 Thkhh T0kh 8k0 kE
FhuJng thuc thanh toan:
Tien mat Chuyen khoan
Tu dong ghi nJ tai khoan: Theo ngay Theo thang
Ty le thanh toan:
Thanh toan so tien toi thieu Thanh toan toan bo so du nJ
So tai khoan tien gui tai vietcombank

6 Th0h TIh ThkM 6hIE0
(su Jui trci truci |cp k|ci |ici |ac Jucc vci k|ac| |ai)
ho ten nguJi lien lac: ............................................................ .................................
0uan he vJi chu the: ............................................................ ..................................
Bia chi lien he: ............................................................ ............................................
Bien thoai lien he: ............................................................ ......................................

7 Th0h TIh VE TkI 8kh 8k0 kM
(Trci truci |cp k|ac| |ai p|at |ai| t|c cc tai sai |ac Jam)
hinh thuc cua tai san bao dam:
So tiet kiem:
So so: ....................................... tai hgan hang: .......................................
So tien: ..................................... ky han gui: .............................................
Tai san bao dam khac (xin ghi ro): ............................................................
........................................................................... ..............................................
So tien dang vay ngan hang (neu co): .........................................................................
ThJi han vay: ..............................................................................................................
8 Th0h TIh VE 80 0h ThE
Cac thuJng hieu the tin dung dang su dung:
hgan hang: Loai the:
1. ............................................................. 1. .............................................................
2. ............................................................. 2. .............................................................
han muc tin dung: 1. ..............................................................................................
2. ..............................................................................................
hkh hkh Th00h MkI 60 Fhkh h0kI Th00h VIET hkM
YE0 6k0 FhkT hkhh ThE Th 0h 006 TE
VIaIrombank kmarIran Exprass

lVIaIrombank VIaInam kIrIInas kmarIran Exprass

O1 (mot) ban sao noi dung Cac Bieu khoan va Bieu kien su dung the tin dung
quoc te vietcombank American Exress/vietcombank vietnam Airlines American
Exress se duJc cung ca khi the tin dung cua khach hang duJc hat hanh.
Ngay .......... thang .......... nam 20.........
Chu the chnh (Ky va ghi ro ho ten)
...................................................................................................................................
Chu the phu 1 (Ky va ghi ro ho ten)
...................................................................................................................................
Chu the phu 2 (Ky va ghi ro ho ten)
...................................................................................................................................
1Z Xk6 hhkh Thkhh T0kh 60k 60h TY (Danh cho the Cong ty)
Chung toi: .................................................................................................................
de nghi hgan hang TMCF hgoai thuJng viet ham hat hanh the tin dung cho
0ng/Ba: .....................................................................................................................
va uy quyen cho hgan hang TMCF hgoai thuJng viet ham tu dong ghi nJ
tai khoan cua chung toi so: ....................................................................................
mJ tai: ......................................................................................................................
de thanh toan cho cac khoan chi tieu, lai va hi hat sinh tu the tin dung cua
0ng/Ba neu tren.
Ngay .......... thang .......... nam 20.........
ka Ioan Iruong 6ong Iy(ky ten va ong dau) Iam dor 6ong Iy(ky ten va ong dau)
.................................................................. ...........................................................
Fhkh khh 6h0 hkh hkh TM6F h0kI Th00h VIET hkM
hgan hang TMCF hgoai thuJng viet ham cha nhan hat hanh the tin dung
theo cac thong tin da dang ky tren theo yeu cau hat hanh the cua khach hang.
LoaI Iha. vietcombank American Exress
vietcombank vietnam Airlines American Exress
LoaI hnh. The cong ty The ca nhan
han mur In dung. .................................................................................................
hIau Iur. ...................................................................................................................
hnh Ihur bao dam Iha. Ky quy Cam co Tin cha
Xac nhan cua Ngan hang TMCP Ngoai thng Viet Nam, ngay ............................
Can bo phat hanh Phu trach phong Giam oc chi nhanh
9 Th0h TIh 6h0 ThE Fh0 1 (e ngh gach cheo neu khong co)
ho va ten (nhu tren CMh0 hoac ho chieu): .......................................................
....................................................................................................................................
Ten in tren the (chu in, toi da 18 ky tu, gom ca ky tu trong):
0iJi tinh: ham hu
hgay sinh: ...............................................................................................................
0uoc tich: .................................................................................................................
So CMh0 hoac ho chieu: ......................................................................................
hgay ca: ............................................. hJi ca: ....................................................
Bia chi lien he:.........................................................................................................
....................................................................................................................................
Bien thoai lien he: ..................................................................................................
hJi cong tac: ...........................................................................................................
Bia chi cJ quan: ......................................................................................................
Bien thoai cJ quan: .................................................................................................
0uan he vJi chu the chinh: ....................................................................................
10 Th0h TIh 6h0 ThE Fh0 Z (e ngh gach cheo neu khong co)
ho va ten (nhu tren CMh0 hoac ho chieu): .......................................................
....................................................................................................................................
Ten in tren the (chu in, toi da 18 ky tu, gom ca ky tu trong):
0iJi tinh: ham hu
hgay sinh: ................................................................................................................
0uoc tich: .................................................................................................................
So CMh0 hoac ho chieu: ......................................................................................
hgay ca: ............................................. hJi ca: ....................................................
Bia chi lien he:.........................................................................................................
....................................................................................................................................
Bien thoai lien he: ..................................................................................................
hJi cong tac: ...........................................................................................................
Bia chi cJ quan: ......................................................................................................
Bien thoai cJ quan: .................................................................................................
0uan he vJi chu the chinh: ....................................................................................

11 Xk6 hhkh 60k khk6h hkh
Toi/Chung toi xac nhan cac thong tin tren day la dung su that va hoan toan chiu
trach nhiem ve cac thong tin da cung ca. Toi/Chung toi da doc, hieu ro, dong y
va cam ket tuan thu Cac Bieu khoan va Bieu kien su dung the tin dung quoc te
vietcombank American Exress/vietcombank vietnam Airlines American
Exress dinh kem cua hgan hang TMCF hgoai thuJng viet ham.
Yeu cau hat hanh the tin dung quoc te vietcombank American
Exress/vietcombank vietnam Airlines American Exress va Cac Bieu khoan
va Bieu kien su dung the tin dung quoc te vietcombank American Exress/
vietcombank vietnam Airlines American Exress dinh kem nay duJc la thanh
O1 (mot) ban chinh va duJc giu bJi hgan hang TMCF hgoai thuJng viet ham.
6k6 IE0 kh0kh Vk IE0 kIEh 80 0h ThE Th 0h 006 TE
VIaIrombank kmarIran Exprass

lVIaIrombank VIaInam kIrIInas kmarIran Exprass

IE0 1. IkI Th6h T0 h0

1.1. hgan hang (hh): la hgan hang ThuJng mai Co han hgoai ThuJng viet ham (vietcombank).
1.2. kmax: la Cong ty The American Exress

va cac chi nhanh cua Cong ty The

American Exress

.
1.8. Tha: La the tin dung quoc te vietcombank American Exress

/vietcombank
vietnam Airlines American Exress

do hh hat hanh.
1.4. 6hu Iha: la ca nhan hoac nguJi duJc uy quyen duJc hh ca the de su dung va co
ten tren the, chu the bao gom chu the chinh va chu the hu. Chu the chinh la ca
nhan hoac la ca nhan duJc cong ty dung ten xin hat hanh the cho chinh minh su
dung. Chu the hu la ca nhan khac duJc chu the chinh dong y hat hanh the.
1.5. hgan hang daI Iy (hhBL): la hgan hang duJc vietcombank uy quyen hoac bao trJ
thuc hien mot so dich vu the thong qua hJ dong ngan hang dai ly dich vu the.
1.G. hgan hang Ihanh Ioan Iha (hhTT): la cac to chuc tai chinh, tin dung duJc he
thuc hien viec thanh toan the thong qua dJn vi cha nhan the va/hoac diem ung tien
mat va/hoac may ATM mot cach hJ ha.
1.7. on v} rhap nhan Iha (BvChT): La cac to chuc hoac ca nhan cung ung hang hoa, dich
vu cha nhan the lam huJng tien thanh toan theo hJ dong da ky vJi hh va cac hhBL.
1.8. Iam ung IIan maI (BuTM): la cac dJn vi, hhBL, hhTT, ATM ma J do chu the
co the su dung the de duJc rut tien mat. BuTM duJc coi la mot BvChT dac biet.
1.O. May ruI IIan Iu dong (ATM Automated Teller Machine): La may giao dich tu
dong duJc coi nhu la mot BuTM, tai do chu the su dung the de rut tien mat va/hoac
thuc hien mot so dich vu khac.
1.1O.Ma so ra nhan (Fh): La ma so ca nhan mat cua chu the va duJc su dung de rut
tien mat hoac thuc hien cac giao dich khac bang the.
1.11.TaI khoan Iha: La tai khoan thanh toan the cua chu the tai hh va do hh quan ly.
1.12.Iao d}rh Iha: La giao dich duJc thuc hien bang the tai BvChT, BuTM, ATM, tren
nternet va/hoac cac kenh giao dich khac theo quy dinh cua hh.
1.18.hoa don Ihanh Ioan: la chung tu xac nhan giao dich the do chu the thuc hien.
1.14.han mur In dung: la so tien toi da ma chu the duJc hh cho he su dung trong
mot thJi han nhat dinh.
1.15.han mur su dung ngay: la so tien toi da chu the duJc he thanh toan cac giao
dich va/hoac rut tien mat tai ATM bang the trong mot ngay.
1.1G.8ao ka: la bang ke chi tiet cac giao dich the cua chu the cung cac khoan hi hat
sinh trong mot khoang thJi gian co dinh do hh quy dinh.
1.17.8o du no: la khoan tien hai thanh toan cua chu the bao gom cac gia tri giao dich,
hi va lai lien quan den viec su dung the duJc liet ke trong sao ke hang thang.
1.18.Tr} gIa Ihanh Ioan IoI IhIau: la khoan tien toi thieu chu the hai thanh toan cho
hh trong moi ky sao ke.
1.1O.hgay dan han: la ngay cuoi cung cua thJi han ma viec thanh toan cua chu the doi
vJi so du nJ tai hh duJc coi la dung han.
1.2O.TaI san bao dam: la tai san thuoc quyen sJ huu hJ ha cua chu the ma hh
cha nhan de bao dam cho viec su dung the.
1.21.hgay la ngay, thang, nam tinh theo duJng lich. hgay Iam vIar la cac ngay tu
thu 2 den thu G trong tuan tru cac ngay nghi le, Tet theo quy dinh cua hha nuJc
Cong hoa Xa hoi Chu nghia viet ham.
IE0 Z. 0YEh Vk hhk V0 60k 6h0 ThE
Z.1. uyan rua rhu Iha.
a. 0ung the de thanh toan hang hoa va dich vu tai cac BvChT, tren nternet va/hoac
rut tien mat tai cac ATM hoac BuTM trong va ngoai lanh tho viet ham.
b. Khieu nai ve viec su dung the, dJn huJng cham dut su dung the va yeu cau doi the,
hat hanh the mJi theo Bieu G, 7 va 8 tai ban Cac dieu khoan va dieu kien su dung the
tin dung quoc te nay.
c. Yeu cau hh tu dong ghi nJ tai khoan tien gui cua chu the mJ tai hh (tai khoan vhB
hoac tai khoan ngoai te) theo dang ky cua chu the de thanh toan so du nJ.
d. hang thang, chu the co quyen duJc nhan sao ke cua hh. Thang khong hat sinh cac
giao dich bang the, hh se khong gui sao ke cho chu the.
Z.Z. hgha vu rua rhu Iha.
a. Truc tie den hh nhan the/Fh hoac uy quyen cho nguJi khac den nhan the/Fh.
0iay uy quyen duJc la bang van ban theo quy dinh cua hh.
b. Ky chu ky mau vao o chu ky J mat sau the ngay sau khi nhan the. Moi lan su dung the
de rut tien mat hoac thanh toan tien hang hoa dich vu, chu the hai ky hoa dJn thanh
toan giong chu ky nay tru nhung giao dich thuc hien bang dJn dat hang qua thu, dien
thoai, nternet hoac cac loai hinh khac duJc su cha thuan cua hh ma khong yeu cau
co chu ky cua chu the.
c. Khong duJc chuyen nhuJng the hoac trao the cho nguJi khac su dung.
d. Thuc hien cac bien ha an toan cho the va cam ket khong tiet lo Fh cho bat cu ai.
Chu the hai hoan toan chiu trach nhiem ve Fh cua minh.
e. Chiu hoan toan trach nhiem doi vJi toan bo cac giao dich co chu ky va/hoac su dung
Fh cua chu the va cac giao dich khac neu hh cung ca duJc bang chung ve viec
the cua chu the da thuc hien giao dich ma khong can chu ky cua chu the.
. Chiu hoan toan trach nhiem va rui ro (neu co hat sinh) lien quan den cac giao dich
thuc hien qua mang nternet.
g. Khi ngung dich vu su dung the de chi tieu vJi cac giao dich mang tinh chat dinh ky
(hang thang, hang quy), chu the hai giu duJc bang chung da huy dich vu nay.
h. Khi the bi mat ca, that lac hoac Fh bi lo, truJc het, chu the hai bao ngay cho hh.
Sau do, chu the hai lien he vJi hh va cung ca bang van ban nhung thong tin sau:
* Ten chu the. * hJi mat the.
* So the. * ThJi gian hat hien mat the.
* hgay hieu luc cua the. * So chung minh nhan dan hoac ho chieu.
i. Khong su dung lai the da thong bao mat, that lac va tra lai cho hh the bi mat, that
lac khi tim lai duJc.
j. Thong bao ngay cho hh bang van ban nhung thay doi ve dia chi nha rieng, dia chi
thuJng tru, dia chi lien lac hay thay doi ve nghe nghie cua chu the.
k. Cung ca cac thong tin cua chu the cho hh theo yeu cau cua hh vao bat ky thJi gian nao.
l. Su dung the theo dung nhu quy dinh cua hh va Amex.
m. Cam ket khong thuc hien cac giao dich trai ha luat cua nuJc Cong hoa xa hoi chu
nghia viet ham, va/hoac nuJc sJ tai.
n. Thanh toan day du, dung han cho hh cac khoan vay (bao gom ca goc, lai va hi hat sinh)
theo quy dinh cua hh ve viec su dung the.
o. hang thang, hh gui sao ke cho chu the theo dia chi buu dien va/hoac dia chi email
ma chu the da dang ky vJi hh. Trong truJng hJ chu the khong nhan duJc sao ke,
chu the van co trach nhiem thanh toan cho hh cac khoan hai tra trong ky.
. hang thang, trong khoang thJi gian tu ngay sao ke den ngay den han thanh toan, hh se
thuc hien viec ghi nJ tu dong tai khoan duJc chi dinh theo yeu cau cua chu the so tien toi
da de thanh toan so du nJ cuoi ky. Chu the hai dam bao tai khoan nay luon du so du
can thiet de hh ghi nJ trong khoang thJi gian noi tren. heu trong khoang thJi gian tren
so tien trich tu tai khoan chu the khong du thanh toan so du nJ, chu the co trach nhiem
lien he vJi hh de thanh toan han nJ con lai va hai chiu cac hi, lai hat sinh neu co.
q. Chiu trach nhiem giai quyet cac tranh cha vJi BvChT ve cac van de lien quan den
giao dich the ma khong tri hoan viec thanh toan vao ngay den han.
r. Chu the co trach nhiem kiem tra tinh chinh xac cua noi dung ghi tren sao ke. Trong
truJng hJ co thac mac, chu the hai thong bao cho hh bang van ban cac thac mac
cua minh lien quan den cac giao dich trong vong 46 ngay ke tu ngay hat sinh giao
dich. heu sau thJi han do, hh khong nhan duJc cac khieu nai thi coi nhu chu the dong
y vJi tat ca cac giao dich va hi hat sinh.
s. The duJc chu the yeu cau khoa tam thJi van co the su dung de chi tieu va chu the van
hai chiu trach nhiem thanh toan cac giao dich chi tieu, cac hi va lai hat sinh neu co.
IE0 8. 0YEh Vk hhk V0 60k hkh hkh
8.1. uyan rua hgan hang.
a. BuJc mien trach trong truJng hJ he thong xu ly, he thong truyen tin bi loi... hoac vi
bat ky ly do ngoai kha nang kiem soat cua hh gay nen.
b. BuJc mien trach doi vJi bat ky su huJng hai nao tJi danh du, uy tin cua chu the trong
van de thu hoi lai the hoac yeu cau thu hoi the.
c. Khong chiu trach nhiem ve viec giao hang, chat luJng hang hoa, dich vu duJc thanh
toan bang the. BuJc quyen ghi nJ vao tai khoan the gia tri cac giao dich cho du hang
hoa, dich vu co duJc giao hoac duJc thuc hien hay khong.
d. Yeu cau chu the thanh toan cac giao dich bang the va cac khoan lai, hi lien quan
trong ky cham nhat vao ngay den han.
e. TruJng hJ chu the khieu nai khong thuc hien giao dich, hh duJc quyen yeu cau chu
the cam ket va cung ca cac bang chung chung minh khong thuc hien giao dich.
. TruJng hJ chu the khong thanh toan dung han cho hh theo quy dinh, hh duJc quyen
thu nJ tu tai san bao dam hoac ben bao lanh hoac bat cu tai san nao khac cua chu the
ma khong can co su dong y bang chu ky hay dau xac nhan cua chu the. heu hh thu
nJ tu tai khoan tien gui hoac so tiet kiem cua chu the de thanh toan cac khoan nJ hat
sinh thi tai khoan hoac so tiet kiem do duJc coi la khong ky han. hh duJc mien trach
ve viec ha ky han tien gui cua chu the.
g. BuJc mien trach trong truJng hJ the khong duJc bao dam an toan hoac bi lo Fh hoac
do sJ suat cua chu the lam ke gian lay ca duJc Fh.
h. BuJc mien trach doi vJi nhung rui ro lien quan den viec thanh toan mua sam hang hoa,
dich vu qua internet.
8.Z. hgha vu rua hgan hang.
a. Tuan thu cac quy dinh ve hat hanh, thanh toan the tin dung quoc te, dam bao cac quyen
lJi cua chu the, luu giu cac thong tin cua chu the, tru truJng hJ co quy dinh khac.
b. 0iai quyet cac yeu cau tra soat, khieu nai cua chu the lien quan den viec su dung the
theo quy dinh cua Amex.
c. hh chi chiu trach nhiem ve cac giao dich lien quan tJi the duJc thuc hien sau 5 ngay
(tren lanh tho viet ham) va sau 1O ngay (ngoai lanh tho viet ham) ke tu ngay nhan
duJc thong bao bang van ban ve viec mat ca, that lac the cua chu the.
d. hh thuc hien giai cha tai san cam co cua chu the sau 4O ngay ke tu ngay yeu cau
cham dut su dung the cua chu the co hieu luc theo quy dinh tai Bieu 7 cua ban Cac dieu
khoan va dieu kien su dung the tin dung quoc te nay chi khi cac tra soat khieu nai cua
chu the (neu co) da duJc giai quyet xong va tai san dam bao chua bi xu ly de thanh toan
cac nghia vu cua chu the. Boi vJi tai san cam co de tang han muc tin dung tam thJi,
hh cung se giai cha sau 4O ngay ke tu ngay han muc tin dung tam thJi het han va
chu the da thanh toan het cac khoan chi tieu lien quan den han muc tin dung duJc tang.
IE0 4. Thkhh T0kh Vk Tk h0
4.1. Chu the chiu trach nhiem thanh toan toan bo cac giao dich, ke ca cac giao dich qua
nternet va/hoac cac giao dich khac duJc cho la hJ le theo quy dinh cua hh neu hh
cung ca duJc bang chung lien quan chung minh the da duJc su dung ma khong can
chu ky cua chu the tren chung tu cung ca.
4.2. Chu the hai tra hi cho hh ve cac khoan ung tien mat, hi hat cham tra, hi vuJt
han muc va cac loai hi khac theo bieu hi do hh quy dinh. Khi thanh toan hang hoa
hoac dich vu, chu the khong hai tra hi cho BvChT.
4.8. Cac giao dich co su dung Fh va cac giao dich co cac chu ky cua chu the la bang chung
xac thuc chung minh rang chu the da thuc hien giao dich rut tien mat hay thanh toan hang
hoa dich vu. Bieu nay khong loai tru trach nhiem cua chu the trong truJng hJ hh co cac
bang chung ve viec chu the da thuc hien giao dich the ma khong can co chu ky cua chu the.
4.4. heu chu the su dung the de dat truJc cho cac dich vu nhung khong su dung dich vu
do va khong thong bao huy dich vu trong thJi gian quy dinh cua BvChT, chu the van
hai thanh toan mot han hoac toan bo gia tri dich vu, cac loai thue va hi lien quan
theo quy dinh cua tung BvChT.
4.5. hang thang, vao ngay sao ke, hh se liet ke tat ca cac giao dich cua chu the hat
sinh trong ky da duJc chuyen doi tri gia sang vhB theo ty gia cua Amex quy dinh
hoac theo ty gia quy doi cua hh tai thJi diem giao dich duJc ca nhat vao he thong
cua hh. Boi vJi cac giao dich duJc Amex chuyen doi sang vhB, Amex se a dung
muc hi chuyen doi ngoai te la 2% tinh tren so tien chuyen doi.
4.G. Chu the co trach nhiem kiem tra va thanh toan dung han cho hh tat ca cac khoan
nJ hat sinh nhu noi dung ghi tren sao ke theo quy dinh (muc it nhat bang tri gia
thanh toan toi thieu va toi da la toan bo so du nJ).
4.7. ThJi han hh tra lJi cac khieu nai cho chu the la 180 ngay Iam vIar ke tu ngay hh
nhan duJc khieu nai cua chu the. hh se hoan tra cho khach hang gia tri cac giao dich
khieu nai dung. Trong truJng hJ dac biet hh se co thong bao cu the cho chu the.
IE0 6. LkI Vk Fh 60k 6k6 Ik0 [6h 80 0h ThE
5.1. Thu tu uu tien thanh toan nJ: Fhi thuJng nien, lai, hi rut tien mat, cac khoan hi
khac, cac giao dich rut tien mat, cac giao dich thanh toan hang hoa dich vu va theo
thu tu ngay cac giao dich nay duJc ca nhat vao he thong.
5.2. 0iao dich thanh toan hang hoa, dich vu: Khi den han thanh toan, neu chu the tra toan
bo so du nJ cuoi ky thi hh se uu dai mien lai cho toan bo giao dich trong ky cua chu
the. heu chu the khong thanh toan hay chi thanh toan mot han so du nJ cuoi ky, hh
se tinh lai tat ca cac giao dich ke tu ngay cac giao dich duJc ca nhat vao he thong quan
ly the cua hh den ngay chu the tra nJ, cac giao dich con lai chua thanh toan se tie
tuc duJc tinh lai cho den khi duJc thanh toan va se duJc the hien tren ky sao ke tie theo.
5.8. 0iao dich rut tien mat: Khi thuc hien giao dich rut tien mat, chu the se hai chiu lai ngay
tu ngay giao dich duJc ca nhat vao he thong quan ly the cua hh den ngay sao ke va
khoan lai nay duJc the hien tren sao ke cung ky. Ben han thanh toan, neu chu the tra
toan bo du nJ cuoi ky dung han, chu the se duJc mien lai cho cac giao dich tien mat tu
ngay sao ke den ngay chu the tra nJ. heu chu the khong tra hoac chi tra mot han du
nJ, hh tie tuc tinh lai doi vJi cac giao dich rut tien mat ke tu ngay sao ke cho den
ngay chu the tra het nJ va cac khoan lai nay se duJc the hien tren sao ke ky tie theo.
5.4. 0iao dich tra soat: Lai va hi hat doi vJi cac giao dich tra soat cua chu the ma chua
thanh toan, cung duJc tinh theo nguyen tac tren. hh se hoan lai lai va hi hat cho
khach hang doi vJi nhung giao dich co khieu nai, tra soat dung.
5.5. Fhi cham thanh toan: heu den han thanh toan chu the khong tra hoac tra so tien nho
hJn tri gia thanh toan toi thieu ma hh yeu cau, chu the se chiu muc hi cham thanh
toan theo quy dinh cua hh tinh tren han tri gia thanh toan toi thieu.
5.G. Fhi vuJt han muc: Chu the se hai chiu hi vuJt han muc tinh tren so du nJ vuJt han
muc tin dung khi chu the su dung qua han muc tin dung duJc ca hoac chu the co
yeu cau tang han muc tin dung tam thJi trong khoang thJi gian den truJc ngay sao
ke theo quy dinh cua hh.
IE0 6. ThE 6hhh Vk ThE Fh0
(||ci ap Jui c|c t|c Victccm|aik Victiam Air|iics Amcricai xprcss)
G.1. Chu the chinh co the yeu cau hat hanh them toi da hai (O2) the hu cho nguJi duJc
minh uy quyen su dung. Chu the chinh va (cac) chu the hu cung su dung chung mot
tai khoan the doi vJi han muc tin dung ma hh ca cho chu the chinh. 0iao dich cua
the chinh va (cac) the hu duJc the hien tren cung mot sao ke va duJc gui cho chu
the chinh de thanh toan.
G.2. The cong ty uy quyen cho ca nhan su dung hoac the hat hanh co su bao lanh cua
cong ty khong duJc hat hanh the hu.
G.8. Chu the chinh la nguJi chiu trach nhiem ve cac giao dich thuc hien bang the cua the
chinh va (cac) the hu va chiu trach nhiem thanh toan cho hh so du nJ khi duJc yeu
cau. Trong truJng hJ chu the chinh chet hoac khong co kha nang thanh toan so du
nJ, (cac) chu the hu hai co trach nhiem thanh toan toan bo so du nJ.
G.4. Chu the chinh co quyen yeu cau hh ngung viec su dung the hu bang van ban ma
khong can su dong y cua chu the hu. heu chu the chinh chinh thuc cham dut viec
su dung the thi chu the hu cung hai ngung theo.
IE0 7. 0I, FhkT hkhh LkI Vk h0h 80 0h ThE
7.1. Khi bi mat, that lac the hoac muon doi the khac, chu the co the yeu cau hh hat
hanh the mJi thay the va hai tra hi doi the cho hh.
7.2. Khi sa het thJi han su dung the, hh se thong bao truJc bang van ban cho chu the
ve viec sa het thJi han su dung the va huJng dan chu the thu tuc dang ky thJi han
mJi. viec chu the khong lam thu tuc de tie tuc su dung the vJi ky han mJi theo quy
dinh cua hh duJc mac nhien hieu la cham dut viec su dung the nhung khong loai tru
nghia vu hai hoan tat viec thanh toan theo ban Cac dieu khoan va dieu kien su dung
the tin dung quoc te nay cua chu the doi vJi hh.
7.8. Khi dJn huJng cham dut su dung the, chu the hai gui thong bao bang van ban cho
hh. Yeu cau cham dut su dung the cua chu the chi co hieu luc va duJc hh cha thuan
khi chu the thuc hien day du cac nghia vu va trach nhiem quy dinh tai Bieu 7 cua
ban Cac dieu khoan va dieu kien su dung the tin dung quoc te nay.
7.4. Khi cham dut viec su dung the theo yeu cau cua hh hay theo yeu cau cua chu the thi
toan bo so du con lai tren tai khoan the se dao han va chu the co trach nhiem thanh
toan moi chi hi hat sinh tJi thJi diem do. Khi ngung su dung the, chu the hai gui
tra the da duJc cat doi tJi hh va cham dut viec su dung the de thanh toan cac giao
dich mua hang hoa hay dich vu ke ca cac giao dich thong qua internet, dien thoai
hoac thu tin. heu chu the khong hoan tra lai the cho hh, chu the se hai chiu hi
thong bao mat ca, that lac the theo quy dinh cua hh. heu chu the da cham dut su
dung the nhung van tie tuc su dung the de thanh toan hang hoa, dich vu thi chu the
van hai co trach nhiem thanh toan cac giao dich tren.
7.5. hh duJc quyen thu hoi hoac khoa the cua chu the trong nhung truJng hJ sau:
* Sau GO ngay ke tu ngay den han, chu the khong tra hoac chi tra khoan tien nho
hJn tri gia thanh toan toi thieu;
* Chu the da chi vuJt han muc tin dung ma khong duJc hh cho he;
* Chu the vi ham quy dinh ve su dung the cua hh hoac vi ham ha luat trong
viec su dung the;
* Cac truJng hJ nghi ngJ lien quan den gia mao va quan ly rui ro;
* Theo yeu cau cua cJ quan co tham quyen;
* hh co the thu hoi the vao bat cu luc nao bang cach thong bao bang van ban ve
viec thu hoi nay cho chu the hoac thong qua hhBL, hhTT hoac BvChT.
IE0 8. 6k6 IE0 kh0kh 80k 0I 80 80h
hh se thong bao cho chu the bang van ban hoac tren cac huJng tien thong tin dai
chung hoac trang thong tin dien tu chinh thuc cua hh (website: www.vietcombank.com.vn)
ve viec sua doi ban Cac dieu khoan va dieu kien su dung the tin dung quoc te nay
(neu co). Chu the se co mot thJi han nhat dinh (theo thong bao cua hh) de can nhac
viec tie tuc su dung the cua hh theo noi dung sua doi duJc thong bao. Chu the duJc
coi la cha thuan toan bo nhung noi dung sua doi theo thong bao cua hh neu chu the
khong thuc hien thu tuc cham dut su dung the trong thJi han neu tren.
IE0 9. 6h0YEh Ik0
Chu the cha thuan, ca trong hien tai va bat ky thJi diem nao trong tuJng lai, doi vJi
viec hh chuyen giao toan bo hoac bat ky han nao quyen han va nghia vu cua hh
lien quan den viec hat hanh va thanh toan the cho Amex va dong y rang bat ky su
chuyen giao nao nhu vay cung co hieu luc ke tu ngay de tren van ban ma hh hoac
Amex gui tJi chu the thong bao ve viec chuyen giao.
IE0 10. L0kT IE0 6hhh, IkI 0YET Tkhh 6hkF
1O.1.Ban Cac dieu khoan va dieu kien su dung the tin dung quoc te nay duJc dieu chinh
bJi luat ha nuJc Cong hoa xa hoi chu nghia viet ham, cac quy dinh ve hat hanh,
su dung va thanh toan the 0uoc te cua Amex va hh hien hanh.
1O.2.heu co bat cu tranh cha nao hat sinh trong qua trinh thuc hien, truJc het cac ben
se cung nhau giai quyet thong qua thuJng luJng, hoa giai. TruJng hJ hoa giai khong
thanh thi cac ben co quyen dua vu tranh cha do ra Toa an nhan dan co tham quyen
J viet ham de giai quyet.
IE0 11. IE0 kh0kh ThI hkhh
11.1.Chu the chinh va (cac) chu the hu cung chiu trach nhiem thuc hien Cac dieu khoan
va dieu kien su dung the tin dung quoc te nay. TruJng hJ chu the chinh chet, va/hoac
to chuc uy quyen su dung (chu the la ca nhan duJc uy quyen) cham dut hoat dong thi
khong xoa bo trach nhiem cua (cac) chu the hu va/hoac ca nhan duJc uy quyen su
dung va nguJc lai.
11.2.Ban Cac dieu khoan va dieu kien su dung the tin dung quoc te nay cung cac tai lieu
kem theo (neu co) la mot bo han khong tach rJi cua 'Yeu cau hat hanh the tin dung
quoc te vietcombank American Exress/vietcombank vietnam Airlines American
Exress' va co hieu luc ke tu ngay ky 'Yeu cau hat hanh the tin dung quoc te
vietcombank American Exress/vietcombank vietnam Airlines American Exress'
cho den khi cham dut viec su dung the (do het han hieu luc cua the ma chu the khong
tie tuc gia han hoac theo yeu cau cua hh/chu the/cJ quan co tham quyen) hoac khi moi
nghia vu thanh toan cua chu the doi vJi hh da hoan thanh, tuy thuoc ngay nao den sau.
Chu the va hh xac nhan la da doc, hieu ro va cam ket thuc hien dung Cac dieu khoan
va dieu kien su dung the tin dung quoc te neu tren, cac quy dinh khac cua hh, cua
Amex cung nhu ha luat hien hanh cua viet ham.
Lu y:
* 0ac muc p| trci Ja |ac cm t|uc STST.
* F| c|uyci Jci icai tc. Jc Amcx qui Jii|.
* F| tra scat. || sc k|ci t|u p| icu k|ac| |ai ycu cau tra scat Jui.
* F| t|ay t|c t|c k|ai cap. k|ci |ac cm c|i p| ui t|c
* Ty ia quy Jci. La ty ia Jc || ap Jui t|cc ty ia cua Amcx quy Jii| |cac t|cc ty
ia quy Jci cua || tai t|ci Jicm iac Jic| Jucc cap i|at vac |c t|ci cua ||.
* 8icu p| iay k|ci |ac cm p| Jc cac |ai |ai k|ac quy Jii| (icu cc).
* 8icu p| iay cc t|c Jucc t|ay Jci t|cc t|ci |ac cua || trci trai t|ci tii Jici tu c|i|
t|uc cua || (wc|sitc. www.victccm|aik.ccm.vi) |cac qua cac kci| iac Jic| cua ||.
8IE0 Fh FhkT hkhh Vk 80 0h ThE Th 0h 006 TE
vietcombank American Exress/vietcombank vietnam Airlines American Exress
LoaI ph

Fhi thuJng nien
Fhi ca lai the/doi the (theo yeu cau
cua chu the)
Fhi chuyen doi ngoai te
Fhi tra soat khieu nai
Fhi thong bao the mat ca, that lac
Fhi thay the the khan ca
Fhi rut tien mat
Fhi thay doi han muc tin dung, hinh
thuc dam bao
Fhi vuJt han muc
vuJt qua han muc tu O1 den O5 ngay
Tu OG den 15 ngay
Tu ngay thu 1G trJ di
Fhi cham thanh toan
Lai suat cho vay
Fhi ung tien mat khan ca J nuJc ngoai
hang vang:
* The chinh: 4OO.OOO vhB/the
* The hu: 2OO.OOO vhB/the
hang Xanh:
* The chinh: 2OO.OOO vhB/the
* The hu: 1OO.OOO vhB/the
hang vang: 4OO.OOO vhB/the
hang Xanh: 2OO.OOO vhB/the
Mur ph
VIaIrombank kmarIran Exprass
VIaIrombank VIaInam kIrIInas
kmarIran Exprass
5O.OOO vhB/lan
2% gia tri giao dich
8O.OOO vhB/giao dich
2OO.OOO vhB/lan/the
1OO.OOO vhB/lan
4% so tien giao dich, toi thieu 5O.OOOvhB/giao dich
8O.OOO vhB/lan
8%/nam (so tien vuJt han muc)
1O%/nam (so tien vuJt han muc)
15%/nam (so tien vuJt han muc)
8% tri gia thanh toan toi thieu. Toi thieu: 5O.OOO vhB
Thay doi theo thong bao cua hh ghi trong sao ke
TuJng duJng 8 uS0/giao dich