What is the "Credit Risk Center"?
„Credit Risk Center” (CRC) represents a specialized structure in collecting, storing, and centralizing information regarding:➤⠀exposure ...
When is the data in the CRC database updated?
Information is reported monthly, between the 1st and 17th of each month, for the previous month. 📆In case the 17th is not a business day, ...
What can be the minimum value of arrears and how long is the information provided to the CRC stored?
The arrears have a minimum value of 1 RON and the information provided to the CRC is stored for a period of 7 years. ⏳
What can be the minimum value of credits through which information is declared?
At the Credit Risk Center, credit risk information is declared for debtors who have a cumulative exposure greater than 20,000 RON or ...
Who is reported within the Credit Risk Center?
➤⠀non-banking natural and legal person debtors who have exposure greater than 20,000 RON or equivalent RON;➤⠀groups of natural persons and / or ...
What is IRCC and how does it influence my monthly loan rate?
IRCC is an index established by the National Bank of Romania and updated quarterly. It affects only loans with variable interest: if the IRCC increases, the rate increases; if it decreases, ...
What is the minimum income I need to apply?
The minimum income required to apply for a Star Card shopping card is 800 lei net per month. The income refers to that obtained from salaries, ...
Can I hold multiple BT credit cards simultaneously?
Yes, it is possible to hold multiple credit products at BT, but each request is analyzed individually based on the total level of debt, ...