Have you just received your credit card and don't know how to activate it? We know what your main doubts are, so we have prepared this basic guide with the first steps and everything you need to know to use your card and get the most out of it, always with discipline and responsibility. Go!
How is the credit card activated?
The Banco Pichincha credit card is automatically activated 48 hours after the courier delivers it to the requested address. In this case, you will receive an SMS to inform you of the activation. Then, you can use it in thousands of national and international businesses.
If you pick it up at an agency, the activation time is the same: 48 hours.
How do I get my credit card password?
The code of your card will arrive to you through an SMS in the following 48 hours after you receive it. This key is used at ATMs to request cash advances or express cash.
How do I know what my court date is?
If you request your credit card online, you can choose your cut-off date. Otherwise, your date will be randomly assigned and you will be able to check it in your account statement , once you make purchases with your card.
When should I pay my card and where can I check it?
You have 15 days to pay your installment whenever you want: from the cut-off date to the maximum payment date. This information can be found at:
- Account status.
- Web Banking.
- Mobile banking.
- Telephone Banking, at (02) 2999-999.
- WhatsApp, to the only official number of Banco Pichincha, 0962992999.
What happens if I pay after the maximum date?
Interest is generated for default ; For this reason, it is important that you always keep in mind your maximum payment date and organize your finances so as not to exceed that limit.
How can I use my credit card for the first time?
From the moment your Banco Pichincha credit card is active, it is also ready for you to use at any affiliated establishment. Remember that your card has contactless technology and you do not need to insert it into the strip reader at the payment point.
What is the minimum payment and the total payment? What should I pay?
The minimum payment is the minimum accepted fee that you can pay on your debt and, although you do not default, it does generate financing interest. If you choose to pay the total installment, you cover the principal and interest of your debt and it will not take so long to cancel it. You should not confuse the total installment with the total amount of your debt.
How do I access the Pichincha Miles program?
After you have received your Pichincha Miles card, you must go to the page www.pichinchamiles.com , click on "Enter" and select "Activate your account". Enter your identification number to receive a code in the email to continue with the registration. Once finished, you will be able to check your balance of miles and exchange them for trips, products and experiences. You also have an exclusive line for your queries: 1800 276 453.
What happens if I have a credit card and I don't use it?
If you have a card and do not use it, you are not contributing to building and improving your credit history . In addition, your quota will gradually decrease and you will be assuming renewal costs without taking advantage of the product to meet your personal goals.
What benefits do I get when using my credit card?
First of all, you start to build a credit history that can improve over time, you have access to the Pichinch a Miles rewards program to earn miles and redeem them for products or trips, you also have insurance and assistance accounts and access to promotions and discounts in multiple shops of different categories.
What is the statement of account and what is it for?
The credit card account statement is a document that provides detailed information on movements, debits, deferrals, installments, interest, important dates and other concepts.
What is a cash advance or express cash and how is it done?
It is a benefit that allows you to have cash quickly. You can make money advances with your credit card and receive it in your Banco Pichincha account. The maximum value depends on the available space you have on the card.
You can make cash advances at our ATMs, Web Banking and Mobile Banking or Telephone Banking.