Example:

1. On 16 June you buy a TV set for 1000 PLN with your credit card.
2. After receiving the billing statement at the beginning of July you log in to Millenet or mobile app and order repayment of this amount in 12 instalments.
3. Each instalment given an interest rate of 19.00%, will be 92.16* PLN.
4. You will pay the first instalment together with the card monthly payment for August - i.e. by September 20th.
5. Every month enclosed with your billing statement you will find information about the instalment and number of instalments outstanding.

* Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty credit programme is 22,39%, total loan amount (net of debt-financed costs): PLN 2500, total amount due: PLN 2828,14, variable interest rate 18,50%, total cost of the loan: PLN 328,14 (including: fee for splitting transaction repayment into instalments 1% of debt value - PLN 25,00, interest PLN 303,14), 12 equal monthly instalments of PLN 235,68. The calculation was made as of 17.05.2024 on a representative example.

You can split your spending made with Millennium Impresja card into 0% equal monthly instalments. You get to choose the number of instalments yourself – the period can be 6, 9 or 12 months. You can use the 0% Easy Instalments programme twice a year up to the amount of 3000 PLN. In addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 1.88%, total loan amount (net of debt-financed costs): PLN 1800, total amount due: PLN 1818,00, fixed interest rate 0.0%, total cost of the loan: PLN 18,00 (including: fee for splitting transaction repayment into instalments 1% of debt value - PLN 18,00, interest PLN 00,00), 12 equal monthly instalments of PLN 151,50. The calculation was made as of 08.09.2022 on a representative example.

You can split-up spending made with Millennium Alfa card into 0% equal monthly instalments. Choose the number of instalments yourself: 6, 9, 12 or 24. You can use the 0% Easy Instalments programme once a year up to the amount of 3000 PLN. In addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 7.84%, total loan amount (net of debt-financed costs): PLN 1800, total amount due: PLN 1818,00, fixed interest rate 0.0%, total cost of the loan: PLN 72,00 (including: fee for splitting transaction repayment into instalments 4% of debt value - PLN 72,00, interest PLN 00,00), 12 equal monthly instalments of PLN 156,00. The calculation was made as of 08.09.2022 on a representative example.

You can repay in instalments any non-cash transactions made above 300 PLN or a specified amount of used credit limit. Minimum amount of Easy Instalments programme has to be higher than 300 PLN.

You can spread into instalments the transactions or used credit limit, which are not yet payable according to the billing statement (the instructions should be filed not later than 3 days before due and payable date).

You can submit the application when:

• cash withdrawal from an ATM other than Bank Millennium was not made or was made in part
• the service or goods were not delivered by the seller or service provider other than Bank Millennium or were not as agreed with such entity
• the transaction was billed more than once
• a previously cancelled transaction was billed

Transactions may be challenged regardless of whether the card involved is a company card or a private one. The complaint should be submitted by the cardholder whose name is printed on the card.

All you need to do is submit an application for a refund in Millenet, through helpline TeleMillennium 801 331 331 (fee in accordance with the operator's tariff) or at a Bank branch.

The request should contain:

• data of the cardholder as well as the card number
• data of the challenged transaction i.e.: date, amount and information on where the transaction was made
• date and type of planned service – in the case of a service that was to be performed at a later date, but for reasons beyond your control, it will not be able to be performed
• description of the problem
• declaration about an attempt to contact/having contacted the service provider (mainly when: the service or goods were not delivered, the service or goods were not as described, the transaction was rejected in the terminal, the Client paid with other means for the goods)

The institution that will process the application may ask you to provide additional documents related to the transaction. Depending on the type of transaction, you can use Chargeback for up to 120 days from the disputed transaction.

Once you submit the application with any documents, you don't need to do anything else.

We send your application to the institution that accounts for the given service provider to consider the application. If it rejects your request, it must provide information or documents to show that the debit to your account was correct. If he does not reject the application, we will consider the application to be justified.

We will inform you about the result of the procedure as soon as we receive the final position of the seller's / service provider's settlement institution. You will receive the information in the form you choose in the application: via Millenet, via SMS or e-mail.

The Chargeback procedure continues in accordance with the deadlines set by the regulations of international card organizations.