card terms and conditions

1. Introduction

By using the Quero Debit Card, the cardholder agrees to comply with all applicable regulations of the International Visa Center and accepts the terms and conditions established by the Bank, the card issuer.

2. Cardholder Agreement

As a Quero customer, you agree to the following terms:

Compliance

You agree to follow all rules and policies set by the Bank for card use and electronic fund services.

Card Ownership
  • The card remains the property of the Bank and must be returned upon request.
  • The card is non-transferable.
  • Do not share your card or PIN. You are responsible for all transactions made using your card and PIN until you notify the Bank to cancel and reissue it.
Transaction Refusal

The Bank may deny a transaction if:

  • The card is reported lost or stolen.
  • The card is canceled or the account is closed.
  • The transaction exceeds your available balance.
  • Unusual or suspicious activity is detected.
Service Changes

The Bank may change or cancel card services at any time without notice, unless required by law.

Bank Liability

The Bank’s liability for incomplete transactions is limited and governed by the “Financial Institution’s Liability” section of the Electronic Fund Transfers disclosure.

Security Advice

Never enter your PIN at suspicious ATMs or unknown devices.

3. Limits and Transactions

Point-of-Sale Use

You may use your Quero Debit VISA Card to:

  • Purchase goods or services in person, online, or by phone.
  • Withdraw cash at merchants or financial institutions that allow it.
Transaction Limits
  • Payment Limit: You can only use funds available in your checking account.
  • ATM Withdrawals: Daily ATM withdrawal limit is $3,000. Individual ATMs may have lower limits.
Illegal Transactions

Using your card for illegal activities (e.g., unlawful gambling) is strictly prohibited. A card logo does not imply legal acceptance in all regions.

4. Fees

Card Replacement

Fees may apply for replacing lost or stolen cards.

ATM Usage
  • Fees may be charged by non-Bank ATMs.
  • Balance inquiry without completing a transaction may also incur a fee.

5. Unauthorized Transfers

Reporting

Immediately contact the Bank if your card or PIN is lost, stolen, or used without your authorization.

Liability
  • Delayed reporting may result in the loss of all funds, including any linked overdraft protection.
  • You may be fully liable if gross negligence or fraud is determined.

6. Error Resolution

Reporting an Error

Contact [email protected] right away if:

  • You notice an error on your statement or receipt.
  • You need more details about a transaction.
Reporting Deadline

You must report the issue within 60 days from the date of the statement that first showed the error.