Her, her husband, and her 3 children
A bank that requires a client to obtain 10 credit cards in order to grant her a personal loan
A client of a national bank said that she received 10 credit cards for herself, her husband, and her three children, including a girl who had just turned 13.
The customer added to "Emirates Today" that she had submitted a personal finance request, so the bank required bringing four passport photos of her relatives or family, on the condition that the age of the passport holder is over 12 years old, indicating that she had already brought passport photos of her husband and three children, ages 20, 17 and 13. And when she asked about the reason, the employee informed her that the bank's management had requested that a condition to agree to complete the procedures of the personal loan, and that the bank would give her a credit card alongside the loan of 30,000 dirhams, so she thought that this was for marketing purposes only.
She indicated that she was surprised by a call from one of the delivery companies, which handed her 10 credit cards, with two cards for her, as well as two for each member of her family, with different credit limits.
And she continued, "I found two cards in my name, and the credit limit for each card is 15,000 dirhams, next to two in my husband's name, at a value of 3000 dirhams for each card, and the same for my 20-year-old son, in addition to four cards, each with a credit limit of 900 dirhams for her two daughters."
She said that she had taken the initiative to contact the bank employee, who explained to her that the bank agreed to grant a personal loan, provided that there were other products beside it, and that the total value of the cards was divided among her family members, and he told her that they have many advantages that can be used, but any default or Delayed payment directly borne by her, which appears in her credit report.
For his part, a banking source at the same bank told Emirates Today, who preferred not to be named, that the customer could close all the cards, reduce her credit limit, or activate them and take advantage of her benefits and her children.
He indicated that banks usually grant credit cards, in addition to personal loans to their clients, with the same documents presented for the loan, without the need for separate signatures or papers.
He added that the client received 10 cards, of which two are basic, bearing her name, and the rest are subsidiary cards in the name of her husband and children, but under the credit limit of the two main cards, and all the cards are on the client's same account, and the user is deducted from her directly from her balance, and her children or husband are not affected. Any obligations, stressing that they can be closed without fees, if the customer does not activate the cards, and on condition that she contact the customer service center and inform them of that, but if she decides to use it, she must follow up on how to spend through it, due to the rather large number of cards, in addition to her presence with teenagers and youth, perhaps They do not have sufficient financial awareness.
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