MAKE IT

A HABIT!
Good habits are the foundation of cybersecurity just like they are for safety and
security in the physical world - like locking your front door or wearing your seat
belt in the car.

Important cybersecurity habits to incorporate into your online life:

Try to make these habits automatic. They will help protect your information, your family, and
your work. They will also reduce your risk of getting scammed!

Always think twice before clicking Automate software

on links or opening attachments. updates and Restart
your devices
Verify requests for private periodically.
information (yours or anyone’s),
even if the request seems to come
from someone you know. Delete sensitive
information when you
are done with it.
Protect your passwords by:
a. Making them long and strong.
b. Never reveal your password to anyone. Back up
c. Using different passwords for different critical files.
accounts,
d. Clicking “no” when websites or apps ask
you to remember your password.
e. Using strong authentication where
possible, such as multi-factor
authentication (MFA) and fingerprints.
 ‫اﺟــﻌﻠﻬﺎ‬
‫ﻋـــﺎدة!‬
‫ً‬
‫ﺗﻤﺎﻣﺎ ﻛﻤﺎ ﻫﻮ اﻟﺤﺎل ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﺴﻼﻣﺔ واﻷﻣﻦ‬ ‫إن اﻟﻌﺎدات اﻟﺠﻴﺪة ﻫﻲ أﺳﺎس اﻷﻣﻦ اﻟﺴﻴﺒﺮاﻧﻲ‪،‬‬
‫ﻓﻲ اﻟﻌﺎﻟﻢ اﻟﻤﺎدي ‪ -‬ﻣﺜﻞ إﻏﻼق ﺑﺎب اﻟﻤﻨﺰل أو ارﺗﺪاء ﺣﺰام اﻷﻣﺎن ﻓﻲ اﻟﺴﻴﺎرة‪.‬‬

‫ﻋﺎدات ﻣﻬﻤﺔ ﻟﻸﻣﻦ اﻟﺴﻴﺒﺮاﻧﻲ ﻳﺠﺐ أن ﺗﺪﻣﺠﻬﺎ ﻓﻲ ﺣﻴﺎﺗﻚ ﻋﻨﺪ اﺳﺘﺨﺪام اﻹﻧﺘﺮﻧﺖ‪:‬‬
‫ً‬
‫أﻳﻀﺎ‬ ‫ﺣﺎول أن ﺗﺠﻌﻞ ﻫﺬه اﻟﻌﺎدات ﺗﻠﻘﺎﺋﻴﺔ‪ .‬ﻓﺴﻮف ﺗﺴﺎﻋﺪك ﻓﻲ ﺣﻤﺎﻳﺔ ﻣﻌﻠﻮﻣﺎﺗﻚ وﻋﺎﺋﻠﺘﻚ وﻋﻤﻠﻚ‪ ،‬ﻛﻤﺎ ﺳﺘﻘﻠﻞ‬
‫ﻣﻦ ﺧﻄﺮ ﺗﻌﺮﺿﻚ ﻟﻠﺨﺪاع!‬

‫ﻳﺠﺐ ﻋﻠﻴﻚ أﺗﻤﺘﺔ ﺗﺤﺪﻳﺜﺎت اﻟﺒﺮاﻣﺞ‬ ‫ً‬

‫ﺟﻴﺪا ﻗﺒﻞ اﻟﻨﻘﺮ ﻋﻠﻰ اﻟﺮواﺑﻂ أو ﻓﺘﺢ‬ ‫ﻓﻜﺮ‬
‫وإﻋﺎدة ﺗﺸﻐﻴﻞ أﺟﻬﺰﺗﻚ ﺑﺸﻜﻞ‬ ‫اﻟﻤﺮﻓﻘﺎت‪.‬‬
‫دوري‪.‬‬
‫ﺗﺤﻘﻖ ﻣﻦ ﻃﻠﺒﺎت اﻟﺤﺼﻮل ﻋﻠﻰ‬
‫ﻣﻌﻠﻮﻣﺎت ﺧﺎﺻﺔ )ﺑﻚ أو ﺑﺸﺨﺺ آﺧﺮ(‪،‬‬
‫اﺣﺬف اﻟﻤﻌﻠﻮﻣﺎت اﻟﺤﺴﺎﺳﺔ ﻋﻨﺪ‬
‫ﺣﺘﻰ ﻟﻮ أن اﻟﻄﻠﺐ وارد ﻣﻦ ﺷﺨﺺ ﻗﺪ‬
‫اﻻﻧﺘﻬﺎء ﻣﻨﻬﺎ‪.‬‬
‫ﺗﻌﺮﻓﻪ‪.‬‬

‫اﺣﻤﻲ ﻛﻠﻤﺎت اﻟﻤﺮور اﻟﺨﺎﺻﺔ ﺑﻚ ﻣﻦ‬

‫اﺣﺘﻔﻆ ﺑﻨﺴﺨﺔ اﺣﺘﻴﺎﻃﻴﺔ ﻣﻦ‬ ‫ﺧﻼل‪:‬‬
‫اﻟﻤﻠﻔﺎت اﻟﻬﺎﻣﺔ‬ ‫ﺟﻌﻠﻬﺎ ﻃﻮﻳﻠﺔ وﻗﻮﻳﺔ‪.‬‬ ‫أ‪.‬‬
‫ب‪ .‬ﻋﺪم ﻛﺸﻒ ﻛﻠﻤﺔ اﻟﻤﺮور اﻟﺨﺎﺻﺔ ﺑﻚ ﻷي‬
‫ﺷﺨﺺ‪.‬‬
‫اﺳﺘﺨﺪم ﻛﻠﻤﺎت ﻣﺮور ﻣﺨﺘﻠﻔﺔ ﻟﻜﻞ ﺣﺴﺎب‪.‬‬ ‫ج‪.‬‬
‫اﻧﻘﺮ ﻓﻮق "ﻻ" ﻋﻨﺪﻣﺎ ﺗﻄﻠﺐ ﻣﻮاﻗﻊ اﻹﻧﺘﺮﻧﺖ‬ ‫د‪.‬‬
‫أو اﻟﺘﻄﺒﻴﻘﺎت ﺣﻔﻆ ﻛﻠﻤﺔ ﻣﺮورك‪.‬‬
‫اﺳﺘﺨﺪم ﻣﺼﺎدﻗﺔ ﻗﻮﻳﺔ ﻟﻠﺘﺤﻘﻖ ﻣﻦ ﻛﻠﻤﺔ‬ ‫ه‪.‬‬
‫اﻟﻤﺮور إن أﻣﻜﻦ‪ ،‬ﻣﺜﻞ ﻣﺘﻌﺪد ﻋﺎﻣﻞ‬
‫اﻟﻤﺼﺎدﻗﺔ )‪ (MFA‬وﺑﺼﻤﺎت اﻷﺻﺎﺑﻊ‪.‬‬
‫‪a) Payment Due‬‬ ‫أ( اﺳﺘﺤﻘﺎق اﻟﺪﻓﻊ‬
‫‪i. Credit Cards‬‬ ‫‪ .i‬اﻟﺒﻄﺎﻗﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪As a Cardmember, you are requested to pay the Minimum Payment Due as shown‬‬ ‫اﻟﻤﺒﻴــﻦ ﻋﻠــﻰ اﻟﺼﻔﺤــﺔ‬
‫ّ‬ ‫ﻛﻌﻀــﻮ ﺑﻄﺎﻗــﺔ‪ ،‬ﻳﺠــﺐ ﻋﻠﻴــﻚ ﺗﺴــﺪﻳﺪ اﻟﺤــﺪ اﻷدﻧــﻰ ﻟﻠﻤﺒﻠــﻎ أو أﻛﺜــﺮ ﻣــﻦ اﻟﻤﺒﻠــﻎ‬
‫‪on the first page of the statement, or an amount that exceeds the Minimum‬‬ ‫اﻟﻤﺒﻴــﻦ‬
‫ّ‬ ‫اﻷوﻟــﻰ ﻣــﻦ ﻛﺸــﻒ اﻟﺤﺴــﺎب‪ .‬إذا ﻟــﻢ ﻧﺴــﺘﻠﻢ اﻟﺤــﺪ اﻷدﻧــﻰ ﻟﻠﺪﻓــﻊ ﻗﺒــﻞ اﺳــﺘﺤﻘﺎق اﻟﺪﻓــﻊ‬
‫‪Payment Due. In case the required Minimum Payment Due is not received on time‬‬ ‫ﻓــﻲ اﻟﻜﺸــﻒ‪ ،‬ﻓﺈﻧــﻪ ﻗــﺪ ﻳﺘــﻢ ﺗﺠﻤﻴــﺪ ﺣﺴــﺎﺑﻚ إﻟــﻰ ﺣﻴــﻦ اﺳــﺘﻼم اﻟﺤــﺪ اﻷدﻧــﻰ ﻟﻠﻤﺒﻠــﻎ‪ .‬ﻳﺠــﺐ اﺳــﺘﻼم‬
‫‪as per the Payment Due Date, your account may be suspended until Minimum‬‬ ‫اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ ﻗﺒﻞ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎق اﻟﺪﻓﻊ اﻟﻤﺬﻛﻮر ﻓﻲ اﻟﺼﻔﺤﺔ اﻷوﻟﻰ ﻣﻦ ﻛﺸﻒ اﻟﺤﺴﺎب‪.‬‬
‫‪Payment is received. All payments must be settled before the Payment Due Date‬‬
‫‪mentioned on the first page of this statement.‬‬ ‫‪ .ii‬اﻟﺒﻄﺎﻗﺎت اﻻﻋﺘﻤﺎدﻳﺔ‬
‫• ﻛﻌﻀــﻮ ﺑﻄﺎﻗــﺔ‪ ،‬ﻳﺠــﺐ ﻋﻠﻴــﻚ اﻟﺘﺄﻛــﺪ ﻣــﻦ ﺗﺴــﺪﻳﺪ اﻟﻤﺒﻠــﻎ اﻟﻤﺴــﺘﺤﻖ ﻋﻠــﻰ ﺑﻄﺎﻗﺘــﻚ ﺑﺎﻟﻜﺎﻣــﻞ ﻛﻞ‬
‫‪ii. Charge Cards‬‬ ‫اﻟﻤﺒﻴــﻦ ﻓــﻲ اﻟﺼﻔﺤــﺔ اﻷوﻟــﻰ ﻣــﻦ ﻛﺸــﻒ اﻟﺤﺴــﺎب‪ .‬إن‬
‫ّ‬ ‫ﺷــﻬﺮ ﻓــﻲ ﺗﺎرﻳــﺦ اﺳــﺘﺤﻘﺎق اﻟﺪﻓــﻊ‬
‫•‬ ‫‪As a Cardmember, you are requested to pay in full, every month, by the‬‬ ‫ﻳﺘﻮﺟــﺐ ﻋﻠﻴــﻚ دﻓﻌــﻪ ﻫــﻮ‬
‫ّ‬ ‫ﻋــﺪم اﻟﺴــﺪاد ﻗــﺪ ﻳــﺆدي إﻟــﻰ ﺗﺠﻤﻴــﺪ ﺣﺴــﺎﺑﻚ‪ .‬إن اﻟﻤﺒﻠــﻎ اﻟــﺬي‬
‫‪Payment Due Date shown on the first page of this statement. Non-payment‬‬ ‫اﻟﻤﺪون ﻓﻲ اﻟﺼﻔﺤﺔ اﻷوﻟﻰ ﻣﻦ ﻛﺸﻒ اﻟﺤﺴﺎب‪.‬‬ ‫ّ‬ ‫اﻟﻤﺒﻠﻎ‬
‫‪may result in your account being suspended. The amount you are required to‬‬
‫‪pay is in the Current Balance shown on the first page of your statement.‬‬ ‫• ﺗﻤــﺖ إﺿﺎﻓــﺔ ﻣﻴــﺰة اﻟﺤــﺪ اﻻﺋﺘﻤﺎﻧــﻲ اﻟﻤﺘــﺎح ﻟﻠﺘﻘﺴــﻴﻂ إﻟــﻰ ﺑﻄﺎﻗــﺔ أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ‬
‫اﻟﻤﺴــﺘﺤﻘﺔ ﻋﻠــﻰ رﺻﻴــﺪك اﻟﺤﺎﻟــﻲ‬
‫اﻟﺨﻀــﺮاء واﻟﺘــﻲ ﺳــﺘﻤﻜﻨﻚ ﻣــﻦ ﺗﻘﺴــﻴﻂ ﺟــﺰء ﻣــﻦ اﻟﻤﺒﺎﻟــﻎ ُ‬
‫•‬ ‫‪Revolving feature is a feature exclusive to the American Express Green Card‬‬ ‫ﻛﻞ ﺷــﻬﺮ ﺑﺤﻴــﺚ ﻳﺘﻄﻠــﺐ ﻣﻨــﻚ ﺳــﺪاد اﻟﺤــﺪ اﻷدﻧــﻰ اﻟﻤﺴــﺘﺤﻖ اﻟﺪﻓــﻊ اﻟﻤﺬﻛــﻮر ﻓــﻲ ﻛﺸــﻒ‬
‫‪that allows You to revolve a portion of Your Current Balance each month such‬‬ ‫اﻟﺤﺴﺎب ﻓﻲ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎق اﻟﺴﺪاد‪.‬‬
‫‪that You will be required to pay only the Minimum Payment Due as shown on‬‬
‫‪Your Statement by the Payment Due Date.‬‬
‫ب( ﻃﺮق ﺗﺴﺪﻳﺪ اﻟﺤﺴﺎب‬
‫‪b) Methods of Payment‬‬
‫‪ .i‬ﺳﺪاد‬
‫ﺗﻤﻨﺤــﻚ ﺧﺪﻣــﺔ ﺳــﺪاد اﻟﻘــﺪرة ﻋﻠــﻰ ﺗﺴــﺪﻳﺪ ﻓﻮاﺗﻴــﺮك ﻣــﻦ ﺣﺴــﺎﺑﻚ ﺑﺴــﻬﻮﻟﺔ وﺑﺴــﺮﻋﺔ ﻣﺘﻨﺎﻫﻴــﺔ ﻋﺒــﺮ‬
‫‪i. SADAD‬‬
‫ﻛﺎﻓــﺔ ﻗﻨــﻮات اﻟﺒﻨــﻮك )ﻣﺜــﻞ ﺷــﺒﻜﺔ اﻹﻧﺘﺮﻧــﺖ‪ ،‬أﺟﻬــﺰة اﻟﺼـ ّـﺮاف‪ ،‬ﻓــﺮوع اﻟﻤﺼــﺎرف‪ ،‬ﺗﻄﺒﻴﻘــﺎت اﻟﻬﻮاﺗــﻒ‬
‫‪SADAD is a very convenient method of payment. You can settle your account‬‬ ‫اﻟﺬﻛﻴــﺔ‪ ،‬واﻟﻬﺎﺗــﻒ اﻟﻤﺼﺮﻓــﻲ(‪ .‬ﻋﻨــﺪ اﻟﺘﺴــﺪﻳﺪ ﻣــﻦ ﺧــﻼل ﺳــﺪاد‪ ،‬اﻟﺮﺟــﺎء اﺳــﺘﺨﺪام ”رﻣــﺰ اﻟﻔﺎﺗــﻮرة –‬
‫‪quickly through all channels offered by your bank (such as Internet, ATM, Bank‬‬
‫‪Branches, Smartphone Apps and Telephone Banking). When paying by SADAD‬‬ ‫اﻟﻤﺒﻴﻦ ﻓﻲ اﻟﺼﻔﺤﺔ اﻷوﻟﻰ ﻣﻦ ﻛﺸﻒ اﻟﺤﺴﺎب‪.‬‬ ‫ّ‬ ‫ﺳﺪاد “و“ رﻗﻢ اﻟﺤﺴﺎب ‪ -‬اﻟﺴﺪاد“‬
‫”‪please ensure you use our “Biller Code – SADAD” and “Account Number – SADAD‬‬ ‫ً‬
‫ﺷﺨﺼﻴﺎ‬ ‫‪.ii‬‬
‫‪shown on the first page of your statement.‬‬
‫ﻳﻤﻜﻨــﻚ اﺧﺘﻴــﺎر ﺗﺴــﺪﻳﺪ ﺣﺴــﺎب اﻟﺒﻄﺎﻗــﺔ ﻟــﺪى أي ﻣــﻦ ﻓــﺮوع اﻟﺒﻨــﻚ اﻟﺴــﻌﻮدي ﻟﻼﺳــﺘﺜﻤﺎر ﻣــﻦ ﺧــﻼل‬
‫‪ii. In Person‬‬ ‫ـﺪا أو ﺑﻮاﺳــﻄﺔ اﻟﺸــﻴﻜﺎت‪ .‬ﻳﻨﺒﻐــﻲ دﻓــﻊ اﻟﺸــﻴﻜﺎت إﻟــﻰ أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ اﻟﺴــﻌﻮدﻳﺔ ‪-‬‬ ‫اﻟﺪﻓــﻊ ﻧﻘـ ً‬
‫‪You may settle your account at any branch of The Saudi Investment Bank by paying‬‬ ‫أﻣﺮﻳﻜﺎن إﻛﺴﺒﺮﻳﺲ ]رﻗﻢ اﻟﺤﺴﺎب ‪ -‬اﻟﺴﺪاد[‪.‬‬
‫‪in cash or by cheque. Cheques should be payable to “American Express Saudi‬‬
‫‪Arabia. -American Express [Your Account Number - SADAD]”.‬‬ ‫‪ .iii‬اﻟﻘﻴﺪ اﻟﻤﺒﺎﺷﺮ‬
‫إذا اﺧﺘــﺮت أن ﺗﺴــﺪد ﺣﺴــﺎﺑﻚ ﺑﻮاﺳــﻄﺔ اﻟﻘﻴــﺪ اﻟﻤﺒﺎﺷــﺮ‪ ،‬ﻓــﺈن اﻟﺨﺼــﻢ ﻣــﻦ ﺣﺴــﺎﺑﻚ اﻟﻤﺼﺮﻓــﻲ‬
‫‪iii. Direct Debit‬‬ ‫ﺳــﻴﺘﻢ ﺗﻠﻘﺎﺋﻴـ ًـﺎ‪ .‬اﻟﺮﺟــﺎء اﻟﺤــﺮص ﻋﻠــﻰ وﺟــﻮد رﺻﻴــﺪ ﻛﺎﻓــﻲ ﻓــﻲ ﺣﺴــﺎﺑﻚ اﻟﻤﺼﺮﻓــﻲ ﻟﺘﺴــﺪﻳﺪ اﻟﻤﺒﻠــﻎ‬
‫‪If you have selected the Direct Debit option, the payment will be automatically‬‬ ‫اﻟﻤﺴﺘﺤﻖ‪ .‬ﻟﻼﺷﺘﺮاك ﻓﻲ ﻫﺬه اﻟﺨﺪﻣﺔ‪ ،‬اﻟﺮﺟﺎء اﻟﺘﻮاﺻﻞ ﻣﻌﻨﺎ ﻋﻠﻰ اﻷرﻗﺎم اﻟﻤﺬﻛﻮرة أدﻧﺎه‪.‬‬
‫‪debited. Please ensure that you have sufficient funds in your designated bank‬‬
‫‪account to cover the payment. If you wish to set-up Direct Debit as a payment‬‬ ‫‪ .iv‬ﺣﻮاﻻت ”ﺳﺮﻳﻊ“ اﻟﻤﺼﺮﻓﻴﺔ‬
‫‪option, please call our customer service hotlines mentioned below.‬‬ ‫ﺗﺴــﻤﺢ ﻟــﻚ ﺣــﻮاﻻت ”ﺳــﺮﻳﻊ“ اﻟﻤﺼﺮﻓﻴــﺔ ﺑﺴــﺪاد ﻓﻮاﺗﻴــﺮك ﻣــﻦ ﺣﺴــﺎﺑﻚ ﻣﺒﺎﺷــﺮة‪ .‬ﻳﺮﺟــﻰ اﻻﻧﺘﺒــﺎه‬
‫ﻟﻠﺘﻔﺎﺻﻴﻞ اﻟﺘﺎﻟﻴﺔ أﺛﻨﺎء ﺗﻌﺒﺌﺔ ﻃﻠﺐ ﺣﻮاﻻﺗﻚ اﻟﻤﺼﺮﻓﻴﺔ‪:‬‬
‫‪iv. “SARIE” Bank Transfer‬‬
‫‪ -‬اﺳﻢ اﻟﻤﺴﺘﻔﻴﺪ‪ :‬أﻣﺮﻳﻜﺎن إﻛﺴﺒﺮﻳﺲ اﻟﺴﻌﻮدﻳﺔ‬
‫‪You can pay your bill directly from your bank account through “SARIE” transfer.‬‬ ‫‪ -‬رﻗﻢ ﺣﺴﺎب اﻟﻤﺴﺘﻔﻴﺪ‪0101 - 121212 - 009 :‬‬
‫‪Please note the following details while filling the bank transfer form:‬‬ ‫‪ -‬رﻗﻢ اﻵﻳﺒﺎن‪SA78 6500 0000 1011 2121 2009 :‬‬
‫‪- Beneficiary Name: American Express Saudi Arabia‬‬ ‫‪ -‬اﻟﺒﻨﻚ اﻟﻤﺴﺘﻔﻴﺪ‪ :‬اﻟﺒﻨﻚ اﻟﺴﻌﻮدي ﻟﻼﺳﺘﺜﻤﺎر‬
‫‪- Account Number: 0101-121212-009‬‬ ‫‪ -‬ﻋﻨﻮان اﻟﺒﻨﻚ‪ :‬اﻟﻔﺮع اﻟﺮﺋﻴﺴﻲ – اﻟﺮﻳﺎض – اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ‬
‫‪- Beneficiary IBAN Number: SA78 6500 0000 1011 2121 2009‬‬ ‫‪ -‬رﻗﻢ اﻟﺴﻮﻳﻔﺖ‪SIBCSARI :‬‬
‫‪- Beneficiary Bank: The Saudi Investment Bank‬‬ ‫‪ -‬اﻟﻤﺮﺟﻊ‪] :‬اﺳﻤﻚ ورﻗﻢ ﺣﺴﺎﺑﻚ ‪ -‬ﺳﺪاد[‬
‫‪- Bank Address: Main Branch, Riyadh, Saudi Arabia‬‬ ‫‪ .v‬اﻟﺘﺤﻮﻳﻼت اﻟﻤﺼﺮﻓﻴﺔ اﻟﺪوﻟﻴﺔ ﺑﺎﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ‬
‫‪- SWIFT Code: SIBCSARI‬‬ ‫ّ‬
‫ﻣﺤﻠــﻲ ﺧــﺎرج اﻟﻤﻤﻠﻜــﺔ اﻟﻌﺮﺑﻴــﺔ اﻟﺴــﻌﻮدﻳﺔ‪ ،‬ﻳﺮﺟــﻰ ﻣﻼﺣﻈــﺔ ﻣــﺎ‬ ‫إذا ﻛﻨــﺖ ﺗﺤـ ّـﻮل اﻷﻣــﻮال ﻣــﻦ ﺑﻨــﻚ‬
‫]‪- Reference: [Your Name and Your Account Number - SADAD‬‬
‫ﻳﻠﻲ أﺛﻨﺎء ﻣﻞء اﺳﺘﻤﺎرة اﻟﺘﺤﻮﻳﻞ‪:‬‬
‫‪ -‬اﺳﻢ اﻟﻤﺴﺘﻔﻴﺪ‪ :‬أﻣﺮﻳﻜﺎن إﻛﺴﺒﺮﻳﺲ اﻟﺴﻌﻮدﻳﺔ‬
‫‪v. International Bank Transfer in USD‬‬ ‫‪ -‬رﻗﻢ اﻵﻳﺒﺎن‪SA5165000000101121212010 :‬‬
‫‪If you are remitting funds in USD from a local bank located outside of Saudi Arabia,‬‬ ‫‪ -‬اﻟﺒﻨﻚ اﻟﻤﺴﺘﻔﻴﺪ‪ :‬اﻟﺒﻨﻚ اﻟﺴﻌﻮدي ﻟﻼﺳﺘﺜﻤﺎر‪ ،‬اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ‬
‫‪please note the following details while filling the bank transfer form:‬‬ ‫‪ -‬ﻋﻨﻮان اﻟﺒﻨﻚ‪ :‬اﻟﻔﺮع اﻟﺮﺋﻴﺴﻲ – اﻟﺮﻳﺎض – اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ‪ ،‬ﺻﻨﺪوق ﺑﺮﻳﺪ‬
‫‪- Beneficiary name: American Express Saudi Arabia‬‬ ‫‪ 3533‬اﻟﺮﻳﺎض ‪11481‬‬
‫‪- Beneficiary IBAN Number: SA5165000000101121212010‬‬ ‫‪ -‬رﻗﻢ اﻟﺴﻮﻳﻔﺖ‪SIBCSARI :‬‬
‫‪- Beneficiary Bank: The Saudi Investment Bank, Saudi Arabia‬‬ ‫‪ -‬اﻟﻤﺮﺟﻊ‪] :‬اﺳﻤﻚ ورﻗﻢ ﺣﺴﺎﺑﻚ ‪ -‬ﺳﺪاد[‬
‫‪- Bank Address: Main Branch, Riyadh, Saudi Arabia‬‬ ‫‪ -‬رﻗﻢ اﻟﺴﻮﻳﻔﺖ ﻟﻠﺒﻨﻮك اﻟﻤﺮاﺳﻠﺔ‪ CHASUS33XX :‬أو ‪BKTRUS33XX‬‬
‫‪P.O Box 3533, Riyadh 11481‬‬
‫‪- SWIFT code: SIBCSARI‬‬ ‫ت( اﻹﺑﻼغ ﻋﻦ ﻓﻘﺪان أو ﺳﺮﻗﺔ اﻟﺒﻄﺎﻗﺔ أو وﺟﻮد ﺧﻄﺄ ﻓﻲ ﻛﺸﻒ اﻟﺤﺴﺎب‬
‫]‪- Reference: [Your Name and Your Account Number - SADAD‬‬ ‫‪ .i‬وﺟﻮد ﺧﻄﺄ ﻓﻲ ﻛﺸﻒ اﻟﺤﺴﺎب‬
‫‪- Correspondent Banks SWIFT Codes: CHASUS33XX or BKTRUS33XX‬‬ ‫اﻟﻤﻘﻴــﺪة ﻋﻠــﻰ ﺣﺴــﺎﺑﻚ‪ ،‬ﻓﻴﻨﺒﻐــﻲ ﻋﻠﻴــﻚ ﻣﺮاﺟﻌﺘﻨــﺎ ﺧﻄﻴـ ًـﺎ‬
‫ّ‬ ‫إذا ﻛﺎن ﻟﺪﻳــﻚ أي اﺳﺘﻔﺴــﺎر ﺣــﻮل اﻟﺮﺳــﻮم‬
‫اﻟﻤﺒﻴــﻦ ﻋﻠــﻰ اﻟﺼﻔﺤــﺔ‬
‫ّ‬ ‫ﻋﻠــﻰ اﻟﻔــﻮر‪ ،‬ﻋﻠــﻰ أﻻ ﺗﺘﺠــﺎوز اﻟﻤـ ّـﺪة ﺷــﻬﺮ ﻣــﻦ ﺗﺎرﻳــﺦ إرﺳــﺎل ﻛﺸــﻒ اﻟﺤﺴــﺎب‬
‫‪c) Reporting of Lost/Stolen Cards and Statement Errors‬‬ ‫اﻟﻤﺤــﺪدة‪ ،‬ﻓﻠﻨــﺎ اﻟﺤــﻖ ﻓــﻲ أن ﻧﻔﺘــﺮض‬
‫ّ‬ ‫اﻷوﻟــﻰ ﻣــﻦ اﻟﻜﺸــﻒ‪ .‬وإذا ﻟــﻢ ﺗﺮاﺟﻌﻨــﺎ ﺧــﻼل اﻟﻔﺘــﺮة‬
‫‪i. Statement Errors‬‬ ‫ﺻﺤــﺔ ﻣــﺎ ورد ﻓــﻲ ﻛﺸــﻒ اﻟﺤﺴــﺎب‪ .‬ﻟﻠﻤﺰﻳــﺪ ﻣــﻦ اﻟﻤﻌﻠﻮﻣــﺎت‪ ،‬ﻳﺮﺟــﻰ اﻟﺘﻮاﺻــﻞ‬ ‫ّ‬ ‫ﻣﻮاﻓﻘﺘــﻚ ﻋﻠــﻰ‬
‫‪If you have any queries about the charges appearing on this statement, you must‬‬ ‫ﻣﻌﻨﺎ ﻋﻠﻰ اﻷرﻗﺎم اﻟﻤﻮﺟﻮدة أدﻧﺎه‪.‬‬
‫‪immediately inform us in writing and in any event, not later than one month from the‬‬
‫‪Statement Date mentioned on the first page of this statement. If you fail to notify us‬‬
‫‪ .ii‬اﻟﺒﻄﺎﻗﺎت اﻟﻤﻔﻘﻮدة أو اﻟﻤﺴﺮوﻗﺔ‬
‫‪within that period, we shall be entitled to assume that you agree to the correctness‬‬ ‫ﻮﺛﻘــﺔ إذا ﻓﻘــﺪت ﺑﻄﺎﻗﺘــﻚ أو أي ﺑﻄﺎﻗــﺔ إﺿﺎﻓﻴــﺔ‪ ،‬أو‬‫اﻟﻤ َ‬ ‫ﻋﻠﻴــﻚ أن ﺗﺒﻠﻐﻨــﺎ ﻓـ ً‬
‫ـﻮرا ﻋﺒــﺮ وﺳــﺎﺋﻞ اﻻﺗﺼــﺎل ٌ‬
‫‪of the statement. For more information, please contact us at the numbers provided‬‬ ‫إذا ﺗﻠﻔــﺖ أو ﺳــﺮﻗﺖ‪ ،‬أو إذا اﻛﺘﺸــﻒ ﺷــﺨﺺ آﺧــﺮ رﻗﻤــﻚ اﻟﺸــﺨﺼﻲ‪ .‬ﻓﺎﻟﺮﺟــﺎء اﻟﺘﻮاﺻــﻞ ﻣﻌﻨــﺎ ﻋﻠــﻰ‬
‫‪below.‬‬ ‫اﻷرﻗــﺎم اﻟﻤﺬﻛــﻮرة أدﻧــﺎه‪ .‬ﻓــﻲ ﺣــﺎل ﻓﻘــﺪان أو ﺳــﺮﻗﺔ اﻟﺒﻄﺎﻗــﺔ‪ ،‬ﻳﻤﻜﻨــﻚ أﻳﻀـ ًـﺎ إﻳﻘــﺎف ﻋﻤــﻞ ﺑﻄﺎﻗﺘــﻚ‬
‫ﻋﻦ ﻃﺮﻳﻖ اﺳﺘﺨﺪام ﺗﻄﺒﻴﻖ اﻟﻬﻮاﺗﻒ اﻟﺬﻛﻴﺔ أو ﻋﻦ ﻃﺮﻳﻖ اﻟﻤﻮﻗﻊ‬
‫‪ii. Lost or Stolen Cards‬‬ ‫‪www.americanexpress.com.sa‬‬
‫‪You must inform Us immediately via authenticated communication channels if you‬‬
‫‪lose your Card or any Supplementary Card(s); or if the Card is damaged, stolen or‬‬
‫‪the PIN is discovered by others. Our contact details are provided below. In case of‬‬ ‫ث( ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ ورﺳﻢ اﻟﺴﺪاد اﻟﻤﺘﺄﺧﺮ‬
‫‪loss or theft of your Card, you may also disable your Card by using our Smartphone‬‬
‫‪App or by logging into www.americanexpress.com.sa‬‬ ‫‪ .i‬اﻟﺒﻄﺎﻗﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ )ﻧﺴﺒﺔ ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ و رﺳﻢ اﻟﺴﺪاد اﻟﻤﺘﺄﺧﺮ(‬
‫ـﺎء ﻋﻠــﻰ ﻣﺒــﺪأ اﻟﺘــﻮرق‪ .‬ﺳــﻴﻄﻠﺐ ﻣﻨــﻚ دﻓــﻊ‬
‫اﻟﺒﻄﺎﻗــﺔ ﻣﺘﻮاﻓﻘــﺔ ﻣــﻊ أﺣــﻜﺎم اﻟﺸــﺮﻳﻌﺔ اﻹﺳــﻼﻣﻴﺔ ﺑﻨـ ً‬
‫ﺷﻬﺮﻳﺎ‪ ،‬ﻋﻠﻰ أي ﻣﺒﻠﻎ ﻏﻴﺮ ﻣﺪﻓﻮع ﻣﻦ رﺻﻴﺪك اﻟﺤﺎﻟﻲ واﻟﻤﺒﻴﻦ ﻓﻲ‬ ‫ً‬ ‫ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ ﺑﻨﺴﺒﺔ ‪%2.75‬‬
‫‪d) Murabaha Margin and Late Payment Fee‬‬ ‫ً‬
‫اﻋﺘﺒﺎرا ﻣﻦ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎق اﻟﺴﺪاد‪.‬‬ ‫ﻛﺸﻒ ﺣﺴﺎب ﺑﻄﺎﻗﺘﻚ اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫)‪i. Credit Cards (Murabaha Margin and Late Payment Fee‬‬
‫‪The Card is a Sharia compliant Tawarruq based product. You will be required to pay‬‬ ‫إذا ﻟــﻢ ﻳﺘــﻢ ﺗﺴــﺪﻳﺪ اﻟﺤــﺪ اﻷدﻧــﻰ ﻟﻠﻤﺒﻠــﻎ اﻟﻤﺴــﺘﺤﻖ ﻋﻠــﻰ ﺑﻄﺎﻗﺘــﻚ اﻻﺋﺘﻤﺎﻧﻴــﺔ ﻓــﻲ أو ﻗﺒــﻞ ﺗﺎرﻳــﺦ‬
‫‪a Murabaha Margin of 2.75% per month, on any unpaid portion of your current‬‬ ‫ﻧﻘﻴﺪ ﻋﻠﻰ ﺣﺴﺎﺑﻚ رﺳﻮم ﺗﺄﺧﻴﺮ اﻟﺘﺴﺪﻳﺪ ﺑﻤﺒﻠﻎ ‪ 100‬رﻳﺎل ﺳﻌﻮدي )‪26.67‬‬ ‫اﺳﺘﺤﻘﺎق اﻟﺪﻓﻊ‪ ،‬ﻓﺴﻮف ّ‬
‫‪balance shown on your credit card statement as of the Payment Due Date.‬‬ ‫دوﻻر أﻣﺮﻳﻜﻲ(‪.‬ﻳﺮﺻــﺪ رﺳــﻢ اﻟﺴــﺪاد اﻟﻤﺘﺄﺧــﺮ ﻟﻠﺤــﺪ ﻣــﻦ اﻟﺘﺄﺧــﺮ ﻓــﻲ اﻟﺴــﺪاد ﺑﺎﻹﺿﺎﻓــﺔ إﻟــﻰ أﻧﻨــﺎ‬
‫َﺳﻨَ ﺘَ ﺒﺮع ﺑﻜﺎﻣﻞ ﻫﺬا اﻟﺮﺳﻢ ﻟﻸﻋﻤﺎل اﻟﺨﻴﺮﻳﺔ ﺗﺤﺖ إﺷﺮاف ﻫﻴﺌﺔ اﻟﺮﻗﺎﺑﺔ اﻟﺸﺮﻋﻴﺔ ﻟﺪﻳﻨﺎ‪.‬‬
‫‪If the Minimum Payment Due is not settled on your credit card on or before the‬‬
‫‪Payment Due Date, We will charge you a Late Payment Fee of SAR 100 (USD 26.67).‬‬ ‫‪ .ii‬اﻟﺒﻄﺎﻗﺎت اﻻﻋﺘﻤﺎدﻳﺔ )ﻧﺴﺒﺔ ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ(‬
‫‪The Late Payment fee is charged to discourage late payment. This entire fee will be‬‬ ‫ﺑﻨــﺎء ﻋﻠــﻰ ﻣﺒــﺪأ اﻟﺘــﻮرق‪ .‬ﺳــﻴﻄﻠﺐ ﻣﻨــﻚ دﻓــﻊ‬
‫ً‬ ‫ﺗﺘﻮاﻓــﻖ اﻟﺒﻄﺎﻗــﺔ ﻣــﻊ أﺣــﻜﺎم اﻟﺸــﺮﻳﻌﺔ اﻹﺳــﻼﻣﻴﺔ‬
‫‪contributed to charity, under the supervision of our Sharia Board.‬‬ ‫ﺷﻬﺮﻳﺎ‪ ،‬ﻋﻠﻰ أي ﻣﺒﻠﻎ ﻏﻴﺮ ﻣﺪﻓﻮع ﻣﻦ رﺻﻴﺪك اﻟﺤﺎﻟﻲ واﻟﻤﺒﻴﻦ ﻓﻲ‬ ‫ً‬ ‫ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ ﺑﻨﺴﺒﺔ ‪%2.75‬‬
‫)‪ii. Charge Cards (Murabaha Margin‬‬ ‫ﻛﺸــﻒ ﺣﺴــﺎب ﺑﻄﺎﻗﺘــﻚ اﻻﻋﺘﻤﺎدﻳــﺔ اﻋﺘﺒـ ً‬
‫ـﺎرا ﻣــﻦ ﺗﺎرﻳــﺦ اﺳــﺘﺤﻘﺎق اﻟﺴــﺪاد‪ .‬ﺑﺎﻹﺿﺎﻓــﺔ إﻟــﻰ ﻫﺎﻣــﺶ‬
‫اﻟﻤﺮاﺑﺤــﺔ‪ ،‬ﻗــﺪ ﻧﻔــﺮض ﻋﻠﻴــﻚ رﺳــﻮم ﺗﺤﺼﻴــﻞ ﺑﺎﻟﺴــﻌﺮ اﻟﻤﺤــﺪد ﻓــﻲ اﻟﻤﻠﺤــﻖ »أ« ﻣــﻦ اﺗﻔﺎﻗﻴــﺔ ﻋﻀــﻮ‬
‫‪The Card is a Sharia compliant Tawarruq based product. You will be required to pay‬‬
‫‪a Murabaha Margin of 2.75% per month, on any unpaid portion of your current‬‬ ‫اﻟﺒﻄﺎﻗﺔ إذا ﻛﺎﻧﺖ ﻋﻠﻰ ﺑﻄﺎﻗﺘﻚ ﻣﺒﺎﻟﻎ ﻣﺘﺄﺧﺮة اﻟﺴﺪاد ﻟﻤﺪة ﺛﻼﺛﺔ )‪ (3‬أﺷﻬﺮ أو أﻛﺜﺮ‪.‬‬
‫‪balance shown on your charge card statement as of the Payment Due Date. In‬‬
‫‪addition to this Murabaha Margin, We may charge you a Collection fee at the rate‬‬
‫‪specified in Annex «A» of your Cardmember Agreement if Your Card is overdue for‬‬
‫‪three (3) months or more.‬‬
e) Other Disclosures
i. Charges and Costs for Delayed Payment
Your Cardmember Agreement states that if the payment is not received (refer to (a)
for details) before the Payment Due Date, American Express Saudi Arabia will apply
charges to the account. American Express Saudi Arabia. may charge you for the full
costs incurred in the recovery of any overdue payment, and for any other similar
charges incurred by American Express Saudi Arabia. If your card account falls
overdue, we regret that we cannot guarantee uninterrupted usage of the Card or
any Additional Cards.
ii. Change of Address Details
If any part of your Address on the first page of this statement is incorrect or has
changed or if you have changed your e-mail address or mobile phone number,
please call our customer service hotlines or send in a service request by logging into
www.americanexpress.com.sa or by using our Smartphone App and providing your
updated information. Our contact details are provided below.
iii. Online Services
Please note that you can access your full account details and manage your full
details through our Online Service. Please visit www.americanexpress.com.sa OR
download our latest Smartphone App from iTunes or Google Play.
iv. Feedback and Complaints
If you wish to provide your feedback about our services or register a complaint,
please visit the step-by-step complaints procedure page at
www.americanexpress.com.sa/content/complaint-feedback
v. Credit Advisory Services
On the American Express Credit Card, if you have an outstanding balance of SAR
7,000 and you choose to pay only the minimum due, it will take 81 months to settle
the balance in full. The total Murabaha Margin (term cost), in this case, would be
SAR 6,296.
Here are a few tips to optimize your experience and minimize your cost of owning
and using the Card:
• Repay your balance in full, before the Payment Due Date and by doing so
avoid paying Murabaha Margin or Late Payment Fees.
• If, on a Credit Card, you choose to pay only the Minimum Payment Due then
ensure that you do so before the Payment Due Date in order to avoid Late
Payment Fees. You will be required to pay a Murabaha Margin of 2.75% per
month, on any unpaid portion of your current balance shown on Your credit
card statement as of the Payment Due Date.
We encourage you to visit www.americanexpress.com.sa/CAS to find out more tips
on how to manage your personal finances.
vi. Charge Card
Our Charge Cards have no preset spending limit. The purchasing power adjusts with
your use of the Card. Please refer to the Cardmember Agreement for further details.
Unless your Card has been issued with a collateral or you have specifically sought
for or been approved with a nil credit limit, your initial credit limit will be at least USD
1,000 (SAR 3,750) for The American Express Green Card, at least USD 2,000 (SAR
7,500) for The American Express Gold Card, at least USD 6,000 (SAR 22,500) for
The Platinum Card and at least USD 30,000 for The Centurion Card.
vii. Cardmember Agreement
We invite you to log into our
website www.americanexpress.com.sa/termsandconditions to view the latest
Cardmember Agreement.
CUSTOMER SERVICE CONTACT DETAILS
Credit Cards & Consumer Charge Cards: 800 124 2229
Outside KSA: +966 11 292 6666
Platinum Services: 800 119 5555 or +966 11 407 1999
Centurion Services: 800 122 5225 or +966 11 407 1999
Fatwa Reference No. for Credit Cards on Tawarruq Model: Amx-902-08-04-06-18
Fatwa Reference No. for Charge Cards on Tawarruq Model: Amx-359-01-01-08-15
‫ج( ﻣﻌﻠﻮﻣﺎت أﺧﺮى‬
‫ رﺳﻮم وﺗﻜﺎﻟﻴﻒ اﻟﺪﻓﻊ اﻟﻤﺆﺟﻞ‬.i
‫ﺗﻨــﺺ اﻻﺗﻔﺎﻗﻴــﺔ ﻋﻠــﻰ أﻧــﻪ إذا ﻟــﻢ ﺗﺴــﺪد اﻟﻤﺒﺎﻟــﻎ اﻟﻤﺴــﺘﺤﻘﺔ ﻗﺒــﻞ اﺳــﺘﺤﻘﺎق اﻟﺪﻓــﻊ )اﻟﺘﻔﺎﺻﻴــﻞ‬
ً
‫رﺳــﻮﻣﺎ إﺿﺎﻓﻴــﺔ‬ ‫ﻣﺒﻴﻨــﺔ ﻓــﻲ اﻟﻔﻘــﺮة )أ(( ﻓــﺈن أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ اﻟﺴــﻌﻮدﻳﺔ ﺳــﻮف ﺗﺤﺘﺴــﺐ‬
‫وﺗﻘﻴــﺪ ﻋﻠــﻰ ﺣﺴــﺎﺑﻚ ﺑﺤﻴــﺚ ﺗﻐﻄــﻲ اﻟﻤﺼﺎرﻳــﻒ اﻟﻤﺘﺮﺗﺒــﺔ ﻋﻠــﻰ‬ ّ ‫ﻣﺴــﺪدة‬
ّ ‫ﻣﻘﺎﺑــﻞ اﻟﻤﺒﺎﻟــﻎ اﻟﻐﻴــﺮ‬
‫ وأي رﺳــﻮم أﺧــﺮى ﻣﻤﺎﺛﻠــﺔ ﻗــﺪ ﺗﺘﻜﺒﺪﻫــﺎ أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ‬،‫ﺗﺤﺼﻴــﻞ أي ﻣﺒﺎﻟــﻎ ﻣﺘﺄﺧــﺮة اﻟﺴــﺪاد‬
‫اﻟﻤﺤــﺪدة ﻓﺈﻧــﻪ ﻳﺆﺳــﻔﻨﺎ إﺷــﻌﺎرك أﻧــﻪ ﻻ‬
ّ ‫ إذا ﺗﺠــﺎوز ﺣﺴــﺎب ﺑﻄﺎﻗﺘــﻚ ﻓﺘــﺮة اﻟﺘﺴــﺪﻳﺪ‬.‫اﻟﺴــﻌﻮدﻳﺔ‬
.‫ﻳﻤﻜﻨﻨﺎ ﺿﻤﺎن اﺳﺘﻤﺮار ﺗﻔﻌﻴﻞ اﻟﺒﻄﺎﻗﺔ أو أي ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ أﺧﺮى‬
‫ ﺗﻐﻴﻴﺮ اﻟﻌﻨﻮان‬.ii
‫إذا ﻛﺎن أي ﺟــﺰء ﻣــﻦ اﻟﻌﻨــﻮان اﻟﻤﺬﻛــﻮر ﻓــﻲ اﻟﺼﻔﺤــﺔ اﻷوﻟــﻰ ﻣــﻦ ﻛﺸــﻒ اﻟﺤﺴــﺎب ﻏﻴــﺮ ﺻﺤﻴــﺢ أو إذا‬
‫ ﻳﺮﺟــﻰ اﻻﺗﺼــﺎل‬،‫ﻏﻴــﺮت ﺑﺮﻳــﺪك اﻹﻟﻜﺘﺮوﻧــﻲ أو رﻗــﻢ ﻫﺎﺗﻔــﻚ اﻟﻤﺘﻨﻘــﻞ‬
ّ ‫ أو إذا‬،‫ﺗﻐﻴــﺮ‬
ّ ‫ﻛﺎن ﻋﻨﻮاﻧــﻚ ﻗــﺪ‬
‫ﻋﻠﻰ ﺧﻂ ﺧﺪﻣﺔ اﻟﻌﻤﻼء أو إرﺳﺎل ﻃﻠﺐ اﻟﺨﺪﻣﺔ ﻋﻦ ﻃﺮﻳﻖ ﺗﺴﺠﻴﻞ اﻟﺪﺧﻮل إﻟﻰ اﻟﻤﻮﻗﻊ‬
‫ أو ﻋــﻦ ﻃﺮﻳــﻖ اﺳــﺘﺨﺪام ﺗﻄﺒﻴــﻖ اﻟﻬﻮاﺗــﻒ اﻟﺬﻛﻴــﺔ وﺗﺰوﻳﺪﻧــﺎ‬،www.americanexpress.com.sa
.‫ ﻳﺮﺟﻰ اﻻﻃﻼع ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ اﻻﺗﺼﺎل أدﻧﺎه‬.‫ﺑﻤﻌﻠﻮﻣﺎﺗﻚ اﻟﺠﺪﻳﺪة‬
‫ ﺧﺪﻣﺔ أوﻧﻼﻳﻦ‬.iii
‫أﻳﻀﺎ اﻟﺤﺼﻮل ﻋﻠﻰ ﺗﻔﺎﺻﻴﻞ ﺣﺴﺎﺑﻚ ﻛﺎﻣﻠﺔ وإدارة اﻟﺘﻔﺎﺻﻴﻞ ﺑﺎﻟﻜﺎﻣﻞ‬ ً ‫اﻟﺮﺟﺎء اﻟﻤﻼﺣﻈﺔ أﻧﻪ ﻳﻤﻜﻦ‬
‫ أو ﺗﺤﻤﻴﻞ‬www.americanexpress.com.sa ‫ ﻳﺮﺟﻰ زﻳﺎرة اﻟﻤﻮﻗﻊ‬.‫ﻟﺤﺴﺎﺑﻚ ﻣﻦ ﺧﺪﻣﺎت أوﻧﻼﻳﻦ‬
‫أﺣــﺪث ﺗﻄﺒﻴــﻖ أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ اﻟﺴــﻌﻮدﻳﺔ ﻋﻠــﻰ ﻫﺎﺗﻔــﻚ اﻟﺬﻛــﻲ ﻣــﻦ آﺑــﻞ آي ﺗﻴﻮﻧــﺰ أو ﺟﻮﺟــﻞ‬
.‫ﺑﻼي‬
‫ اﻟﻤﻼﺣﻈﺎت واﻟﺸﻜﺎوى‬.iv
‫ ﻳﺮﺟــﻰ اﻻﻃــﻼع ﻋﻠــﻰ إﺟــﺮاءات‬،‫إذا ﻛﻨــﺖ ﺗﺮﻏــﺐ ﺑﺘﻘﺪﻳــﻢ ﻣﻼﺣﻈﺎﺗــﻚ ﻋﻠــﻰ ﺧﺪﻣﺎﺗﻨــﺎ أو ﺗﻘﺪﻳــﻢ ﺷــﻜﻮى‬
https://www.americanexpress.com.sa/ar/node/87 ‫ﺗﻘﺪﻳﻢ اﻟﺸﻜﺎوى ﻋﺒﺮ زﻳﺎرة اﻟﻤﻮﻗﻊ‬
‫ ﺧﺪﻣﺎت اﻻﺋﺘﻤﺎن اﻻﺳﺘﺸﺎرﻳﺔ‬.v
‫ رﻳــﺎل ﺳــﻌﻮدي واﺧﺘــﺮت أن ﺗﺪﻓــﻊ اﻟﺤــﺪ‬7,000 ‫إذا ﻛﺎن رﺻﻴــﺪك اﻟﻤﺴــﺘﺤﻖ ﻋﻠــﻰ اﻟﺒﻄﺎﻗــﺔ اﻻﺋﺘﻤﺎﻧﻴــﺔ‬
‫ وﺳﻴﻜﻮن ﻓﻲ‬.‫ـﻬﺮا ﻟﺘﺴﻮﻳﺔ اﻟﺮﺻﻴﺪ ﺑﺎﻟﻜﺎﻣﻞ‬ ً ‫ ﺷـ‬81 ‫ ﻓﺴــﻮف ﻳﺴــﺘﻐﺮق اﻷﻣﺮ‬،‫اﻷدﻧﻰ اﻟﻤﺴــﺘﺤﻖ ﻓﻘﻂ‬
.‫ رﻳﺎل ﺳﻌﻮدي‬6,296 (‫ﻫﺬة اﻟﺤﺎﻟﻪ إﺟﻤﺎﻟﻲ ﻫﺎﻣﺶ اﻟﻤﺮاﺑﺤﺔ )ﺗﻜﻠﻔﺔ اﻟﻤﺪة‬
‫إﻟﻴــﻚ ﺑﻌــﺾ اﻟﻤﻌﻠﻮﻣــﺎت اﻟﺘــﻲ ﻳﻤﻜــﻦ ﻣــﻦ ﺧﻼﻟﻬــﺎ ﺗﺤﺴــﻴﻦ ﺗﺠﺮﺑﺘــﻚ واﻟﺘﻘﻠﻴــﻞ ﻣــﻦ ﺗﻜﺎﻟﻴــﻒ اﻣﺘــﻼﻛﻚ‬
:‫واﺳﺘﺨﺪاﻣﻚ ﻟﺒﻄﺎﻗﺘﻚ‬
‫• ﺗﺴــﺘﻄﻴﻊ ﺗﻔــﺎدي دﻓــﻊ رﺳــﻢ ﻫﺎﻣــﺶ اﻟﻤﺮاﺑﺤــﺔ أو رﺳــﻢ اﻟﺴــﺪاد اﻟﻤﺘﺄﺧــﺮ إذا ﻗﻤــﺖ ﺑﺴــﺪاد ﻛﺎﻣــﻞ‬
.‫اﻟﺮﺻﻴﺪ ﻗﺒﻞ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎق اﻟﺪﻓﻊ‬
‫• إذا اﺧﺘــﺮت ﻓﻘــﻂ دﻓــﻊ اﻟﺤــﺪ اﻷدﻧــﻰ ﻟﻠﺴــﺪاد اﻟﻤﺴــﺘﺤﻖ ﻋﻠــﻰ ﺑﻄﺎﻗﺘــﻚ اﻻﺋﺘﻤﺎﻧﻴــﺔ ﻓﺘﺄﻛــﺪ ﻣــﻦ‬
‫ﺳــﻴﻄﻠﺐ‬
ُ .‫ﻗﻴﺎﻣــﻚ ﺑﺎﻟﺴــﺪاد ﻗﺒــﻞ ﺗﺎرﻳــﺦ اﺳــﺘﺤﻘﺎق اﻟﺪﻓــﻊ ﻟﺘﺘﻔــﺎدى رﺳــﻮم اﻟﺴــﺪاد اﻟﻤﺘﺄﺧــﺮ‬
ً ‫ ﺷـ‬%2.75 ‫ﻣﻨــﻚ دﻓــﻊ ﻫﺎﻣــﺶ اﻟﻤﺮاﺑﺤــﺔ ﺑﻨﺴــﺒﺔ‬
‫ ﻋﻠــﻰ أي ﻣﺒﻠــﻎ ﻏﻴــﺮ ﻣﺪﻓــﻮع ﻣــﻦ رﺻﻴــﺪك‬،‫ـﻬﺮﻳﺎ‬
ً
‫اﻋﺘﺒــﺎرا ﻣــﻦ ﺗﺎرﻳــﺦ اﺳــﺘﺤﻘﺎق‬ ‫اﻟﺤﺎﻟــﻲ واﻟﻤﻮﺿــﺢ ﻓــﻲ ﻛﺸــﻒ ﺣﺴــﺎب ﺑﻄﺎﻗﺘــﻚ اﻻﺋﺘﻤﺎﻧﻴــﺔ‬
.‫اﻟﺴﺪاد‬
‫ ﻟﺘﺠــﺪ ﻧﺼﺎﺋــﺢ أﻛﺜﺮ ﻹدارة ﺷــﺆوﻧﻚ‬www.americanexpress.com.sa/ar/node/87 ‫ﻧﻨﺼﺤــﻚ ﺑﺰﻳــﺎرة‬
.‫اﻟﻤﺎﻟﻴﺔ‬
‫ ﺣﺪود رﺻﻴﺪ ﺑﻄﺎﻗﺎت اﻻﻋﺘﻤﺎد‬.vi
ً ‫ﻟﻴــﺲ ﻫﻨــﺎك ﺣــﺪ إﻧﻔــﺎق ﻣﺤــﺪد ﻣﺴـ‬
‫ ﻳﻤﻜﻨــﻚ اﻟﺘﺤ ّﻜــﻢ ﺑﺎﻟﻘــﺪرة اﻟﺸــﺮاﺋﻴﺔ‬.‫ـﺒﻘﺎ ﻟﺒﻄﺎﻗــﺎت اﻻﻋﺘﻤــﺎد ﻟﻸﻓــﺮاد‬
.‫ ﻳﺮﺟــﻰ اﻟﺮﺟــﻮع ﻻﺗﻔﺎﻗﻴــﺔ ﻋﻀــﻮ اﻟﺒﻄﺎﻗــﺔ ﻟﻠﺤﺼــﻮل ﻋﻠــﻰ ﺗﻔﺎﺻﻴــﻞ إﺿﺎﻓﻴــﺔ‬.‫ﻣــﻊ اﺳــﺘﺨﺪاﻣﻚ ﻟﻠﺒﻄﺎﻗــﺔ‬
‫ﻓــﻲ ﺣــﺎل ﻟــﻢ ﻳﺘــﻢ إﺻــﺪار ﺑﻄﺎﻗﺘــﻚ ﻣــﻊ ﺿﻤــﺎن أو ﺗــﻢ إﺻﺪارﻫــﺎ ﺧﺼﻴﺼـ ًـﺎ أو اﻟﻤﻮاﻓﻘــﺔ ﻋﻠﻴﻬــﺎ ﺑــﺪون‬
3,750) ‫ دوﻻر أﻣﺮﻳﻜــﻲ‬1,000 ‫ ﻓــﺈن ﺣــﺪ اﻻﺋﺘﻤــﺎن اﻷوﻟــﻲ ﺳــﻴﻜﻮن ﻋﻠــﻰ اﻷﻗــﻞ‬،‫ﺣــﺪ ﻟﻼﺋﺘﻤــﺎن‬
‫ رﻳﺎل‬7,500) ‫ دوﻻر أﻣﺮﻳﻜﻲ‬2,000 ‫ وﻋﻠﻰ اﻷﻗﻞ‬،‫رﻳﺎل ﺳﻌﻮدي( ﻟﺒﻄﺎﻗﺔ أﻣﺮﻳﻜﺎن إﻛﺴﺒﺮﻳﺲ اﻟﺨﻀﺮاء‬
‫ رﻳــﺎل‬22,500) ‫ دوﻻر أﻣﺮﻳﻜــﻲ ﻋﻠــﻰ اﻷﻗــﻞ‬6,000 ،‫ﺳــﻌﻮدي( ﻟﺒﻄﺎﻗــﺔ أﻣﺮﻳــﻜﺎن إﻛﺴــﺒﺮﻳﺲ اﻟﺬﻫﺒﻴــﺔ‬
.‫ دوﻻر أﻣﺮﻳﻜﻲ ﻟﺒﻄﺎﻗﺔ ﺳﻨﺘﺸﻮرﻳﻮن‬30,000 ‫ﺳﻌﻮدي( ﻟﻠﺒﻄﺎﻗﺔ اﻟﺒﻼﺗﻴﻨﻴﺔ وﻣﺎ ﻻ ﻳﻘﻞ ﻋﻦ‬
‫ اﺗﻔﺎﻗﻴﺔ ﻋﻀﻮﻳﺔ اﻟﺒﻄﺎﻗﺔ‬.vii
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800 124 2229 :‫اﻟﺒﻄﺎﻗﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ وﺑﻄﺎﻗﺎت اﻻﻋﺘﻤﺎد‬
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Amx-902 - 08 - 04 - 06 - 18 :‫اﻟﺮﻗﻢ اﻟﻤﺮﺟﻌﻲ ﻟﻔﺘﻮى اﻟﺒﻄﺎﻗﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ )اﻟﺘﻮرق( ﻫﻮ‬
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