A credit line is set up on a separate account – a credit line account. You can keep a sum on this account, which is equal to
the credit line sum issued to the client. If you make a transaction and the sum on the credit line account then exceeds the
credit line sum, the excess sum shall be transferred back to the client’s current account during day change. If someone else
transfers the excess sum, the excess sum is still transferred back to the client's current account and not to the current
account of the person who made the transaction.
Credit line requires the client to pay a commitment fee for the unused loan sum. In case the client does not respond to the
extension conditions, the client does not need to repay the whole loan sum immediately but it can be done over 48 months.
Signing a separate repayment schedule is not necessary for terminating the contract. The limit shall decrease automatically
every month and the client shall have the right to use the sum that has not been repaid.