A cardholder is a customer that owns the credit card used to facilitate credit card transactions.
A merchant is the provider of goods and services that accepts credit cards as a means of payment.
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.
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.
The NCB FlexiPay instalment plan is available to all personal credit card customers who meet the following criteria:
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
Before a transaction is converted, it must meet the following criteria:
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.
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.
Once the transaction is posted to the credit card account, it may be placed on an NCB FlexiPay instalment plan using the following channels:
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.
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.
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.
You can view the full FlexiPay terms and conditions here
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.
You may call our Call Centre at 888-622-3477 for issues relating to Virtual Card.
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.
NCB FlexiPay
Pay off your large purchases with a flexible payment plan
Features and Benefits
0% interest for 3 months*
Minimum purchase amount of J$50,000 or US$300
Low interest for up to 12 months and
flexible payment options with 3, 6, and
12 month plans available*
Low processing fee of $2,500 inclusive
of GCT
*Failure to honour the agreed terms may result in the normal credit card rate being applied
How do I qualify for NCB FlexiPay?
NCB FlexiPay is being offered to cardholders who meet the following criteria:
You are the primary cardholder of an eligible NCB credit card
(i.e. not a supplementary cardholder)
Your account is in good standing for a minimum of 6 months
You made an eligible purchase of J$50,000/US$300 or
more with your eligible NCB credit card
NCB FlexiPay is available on all consumer credit cards:
Disclaimer: Amounts calculated are subject to change based on
the final assessment of your application.
Guide to set up a NCB FlexiPay plan
After making a purchase, sign in to your Manage My Card Profile then, follow the steps below:
Select FlexiPay from the menu list
Select your eligible NCB credit card
Choose your eligible purchase
Pick one of the suitable FlexiPay plan option (3, 6 or 12 months) and review the fees applied after selection
Read and agree to terms and conditions
Submit your plan
Want To Know More?
Here are the answers to the most frequently asked FlexiPay questions:
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.
The NCB FlexiPay instalment plan is available to all personal credit card customers who meet the following criteria:
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
Before a transaction is converted, it must meet the following criteria:
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.
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.
Once the transaction is posted to the credit card account, it may be placed on an NCB FlexiPay instalment plan using the following channels:
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.
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.
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.
You can view the full FlexiPay terms and conditions
Terms And Condition
IMPORTANT: Please read these Terms and Conditions carefully before you make any purchase of goods or convert any balance under the Instalment Plan. You will be deemed to have accepted these Terms and Conditions when you make a purchase, or submit a request to convert any balance, under the Instalment Plan.
Definition
The following expressions shall have the following meanings in these Terms and Conditions, unless the context otherwise requires:
"Cardholder Agreement" means the Terms and Conditions governing the use of the Card issued by National Commercial Bank Jamaica Limited ('the Bank') and applicable to the Card Account under which the Cardholder makes an Instalment Purchase.
"Instalment" means each Instalment amount reflected on your statement on a monthly basis during the Instalment Period, as calculated in accordance with Clause 4.
"Instalment Period" in relation to an Instalment Purchase means, the period designated within which the entire Instalment Purchase Amount is to be paid.
"Plan" means the NCB FlexiPay Instalment Plan made available by the Bank to you as a credit card cardholder of the Bank to enable Instalment Purchases to be paid for wholly or partly by Instalments subject to these Terms and Conditions.
"Instalment Purchase" means any purchase of Merchandise by you from a Merchant under the Plan or any purchase of Merchandise by you from a Merchant that is converted to an Instalment Purchase.
"Instalment Purchase Amount” means the whole or part of the Instalment Purchase that is to be paid by Instalments under the Plan.
"Merchandise" means goods and/or services which are the subject of an Instalment Purchase
Definitions of words and expressions in the Cardholder Agreement shall apply equally to these Instalment Plan Terms and Conditions, except where there is an express variation of a definition or a different meaning is assigned in these Instalment Plan Terms and Conditions for the purpose of the Plan.
Applicable Terms
In relation to your participation in the Plan:
The Cardholder Agreement shall apply in conjunction with these Instalment Plan Terms and Conditions.
In the event of any inconsistency between the Cardholder Terms and Conditions and these Instalment Plan Terms and Conditions, these Instalment Plan Terms and Conditions shall prevail in so far as they apply to the Plan.
The minimum and maximum Instalment Purchase Amount to qualify for the Plan shall be determined by the Bank and subject to change.
The interest rate and/or fees applicable to the Plan is as determined by the Bank and subject to change.
The Instalment Purchase Amount shall be taken into account when computing your available credit limit. Your credit limit shall be reduced by the amount of Instalment Purchase Amount and shall be restored as each Instalment paid by you.
Instalment Purchase
The eligible purchase transaction must be posted to the Cardholder’s account when verification is being conducted that an Instalment arrangement for the Cardholder meets Plan requirements.
Subject to these Instalment Plan Terms and Conditions, you agree to participate in an instalment plan if:
Primary account holder contacts the bank by phone or online and requests an Instalment Plan at any time during the period commencing on the date on which the transaction is posted to the Cardholder’s account and ending on the last day preceding the next statement date.
The Bank accepts your request to participate in the Plan
any other condition(s) as may be stipulated by the Bank from time to time in relation to the Plan has been met; and
there has been no breach of the Cardholder Agreement or these Instalment Plan Terms and Conditions herein.
The Bank reserves the right to reject your request to participate in the Plan without giving any reason thereof. The Bank is not and shall not be held liable or responsible in any manner for direct, indirect, special or consequential damages arising out of any such rejection.
A handling fee, at a rate to be determined by the Bank at its sole discretion from time to time, may be charged to your Card Account upon your request to participate in the Plan.
Instalment Principal & Interest
Eligible Cardholders will enjoy a flat interest rate on each Instalment. The instalment interest that will be charged will be the interest rate applicable from time to time on the repayment period applicable to the Plan tenure.
The Instalment interest will be charged on the Instalment Amount and will be computed based on an Amortized repayment method basis where the monthly instalment is fixed for the period. Example:
Instalment Purchase Amount: $500,000
Tenure : 12 months
Effective Interest Rate: 24% p.a
Interest Amount: $120,000
Total Instalment Plan Amount: $620,000
Monthly Instalment Principal: $41,666,67
Monthly Instalment Interest: $10,000
Once approved, the number of Instalments, the amount of each Instalment and the Instalment Period cannot be altered without the Bank's consent.
Payment
The Instalment Purchase Amount will be charged to your Card Account and the first instalment will be reflected in the minimum payment on the statement following the Bank's acceptance of your request to participate in the Plan and the subsequent instalments shall be reflected on your statement on a monthly basis thereafter.
Eligible Cardholders are responsible to service the monthly instalments which will be reflected in the eligible Cardholder’s NCB credit card account and will be reflected in the eligible Cardholder’s statement of account for the NCB credit card as part of the monthly minimum payment therein.
If the eligible Cardholder fails to honour his/her monthly minimum payment requirement for one statement cycle (delinquent 30 days) then the instalment plan will be accelerated and revert to the normal credit card account interest rate and governed by the Cardholder Agreement.
For the avoidance of doubt the terms of the Cardholder Agreement continue to apply generally in relation to payments.
Termination and Acceleration of Payment
The Bank
The Bank may at any time at its sole discretion terminate the Plan in respect of a Card Account.
The Bank may exercise its right under sub-clause(a) if:
The Card Account is cancelled or terminated (or notice of cancellation or termination of Card Account has been given) by you or the Bank for whatever reason;
You default in the payment of any amount due under the Cardholder Agreement or any Instalment due under these Instalment Plan Terms and Conditions;
You breach any of the provisions of the Cardholder Agreement or these Instalment Plan Terms and Conditions; or
In the event of your death or a bankruptcy petition is presented against you, or you are unable to pay your debts as they fall due.
Notwithstanding anything contained in the Cardholder Agreement and these Instalment Plan Terms and Conditions or any other document, the Bank shall at all times have the right at its sole discretion to demand from you or your personal representative(s) immediate payment of all Instalments and any other amounts payable under these Instalment Plan Terms and Conditions whether or not the same have already been reflected in the Monthly Statements or due and payable at the date of such demand.
The Cardholder
You may at any time terminate or accelerate the Instalment Plan by contacting the bank by phone or online and requesting termination.
The termination shall be irrevocable.
Where the Plan is terminated the balance of the Instalment Purchase Amount shall be payable as a normal charge on the Card Account.
An acceleration fee at a rate to be determined plus any outstanding interest accrued on the transaction by the Bank at its sole discretion from time to
time may be charged to your Card Account where either termination or acceleration is requested.
Exclusion of Liability
The provisions of the Cardholder Agreement regarding the purchase of Merchandise by use of a Card shall apply equally to each Instalment Purchase. You shall resolve all disputes or differences on the quality or quantity of the Merchandise with the Merchant directly. In particular, the Bank shall not be held liable for any inadequate, defective or damaged Merchandise or other disputes between you and a Merchant relating to any Instalment Purchase.
You hereby expressly authorise the Bank to continue to reflect the Instalment Amounts on the Card Account in accordance with the request to participate in the Instalment Plan regardless of any such dispute.
Refunds
Where a Merchant refunds or reverses to the Card Account the full or part of an Instalment Purchase Amount , the instalment will continue to be reflected on your monthly statement for the duration of the Instalment Period and you will continue to be responsible to service the monthly instalment as part of the monthly minimum payment therein unless you contact the bank by phone or online and request that the Instalment Plan is terminated in which event the above termination provisions will apply.
GOVERNING LAW AND JURISDICTION
These Terms and Conditions shall be governed by and construed in accordance with the laws of Jamaica and directives of regulatory bodies/agencies.
Any dispute or difference arising in relation to or in connection with these Terms and Conditions shall be subject to the jurisdiction of the Courts of Jamaica.