Digicel Trinidad and Tobago Quick Credit Service.

 The following are the Terms and Conditions governing this Quick Credit:-

1. What is this product about?

·       With Quick Credit loan, you can now request a credit loan if you are unable to perform a top up or if you need extra credit to activate any of Digicel’s plans offered by dialing *214# or texting Credit to 214.

2.    How can I access this Quick Credit loan?

·       You can qualify for a Quick Credit loan at any time regardless of the amount of credit you have on your account once you meet the following criteria:-

                    I.            You must be on the network for a minimum of sixty (60) days

3.    Does this Quick Credit loan have a service charge?

·       Yes, the Quick Credit loan has a service charge of 12%.

4.    How do I repay my Quick Credit loan?

·       Only Top Up can be used to repay your loan amount.

·       You will be required to repay the full loan amount, regardless of how much you have used, including the service fee.

5. Is there a deadline to repay my Quick Credit?

·       Yes, you will be required to repay your outstanding loan within thirty (30) days

 6. What happens if I haven’t repaid my loan by the deadline?

·       If loans are not repaid on time (within 30days after loan access), you will be barred from accessing additional loans, until you repay the loan. The barring period begins immediately after the last recharge is made to fully repay the outstanding loan amount.
Once your account goes into bad debt ( having an outstanding loan amount for a period equal to or greater than 30 days) and the 30-day barring period has passed; if you wish to continue using the Quick Credit loan service, your maximum allowed loan value will be lesser than the previous allowed maximum loan value. The barring period begins immediately after the last recharge is made to fully repay the outstanding loan amount.

7. What happens if my next top-up is not sufficient to cover my outstanding loan?

·       If your next top up is not sufficient to repay your Quick Credit loan, any top-ups made after will go towards clearing any outstanding loan balance.

8. When will my Quick Credit loan expire?

·       Your Quick Credit Loan has no expiration. The credit received will be available until it is fully used.

9. What services can I use the Quick Credit loan for?

·       You can use Quick Credit loan for calls, SMS messages, Pay As you Go data or to purchase any Digicel offered plans.

10. What is the minimum amount of credit that I must have on my account to request Quick Credit?

·       There is no minimum amount. You can have any amount of credit on your account when requesting a Quick Credit loan.

18.      CONDITIONS OF USE:

·       The Quick Credit product is offered for the personal use of individuals and not commercial use or usage by groups of individuals. Any usage at all by an individual that in Digicel’s sole discretion is intended for financial gain or profit by you or by groups of individuals will result in the immediate termination of the particular product.

·       To the extent permitted by law, Digicel reserves the right to amend, terminate or unilaterally change any of the above terms and conditions subject to notifying customers of such amendments or termination. Such notification may be by way of text message, advertisement in the national media and/or our website. If the promotion under the usual terms and conditions is used after notice of the amendment, then the amendment shall be deemed accepted.

·       Digicel reserves the right to modify or discontinue (permanently or temporarily) this product being offered to its customer at its discretion.

·       Digicel expressly reserves the right to take such legal action as is permissible against any Customer/user engaging in bypass of the service or any other fraudulent activity on the network.

·       Customers should be solely responsible for keeping their mobile handsets properly secured and for all activations and other activities that occur on or through their mobile handsets. Any request made for a Quick Credit loan via the use of a text message or an USSD code from a mobile handset shall be deemed a legitimate request from the customer to whom the said mobile handset is registered. Digicel shall not be responsible for any losses arising out of the unauthorized use of a customer’s handset.

·        Subject to the above, standard Prepaid terms and conditions apply.