4.1. Brunschwig & Cie SA grants the Cardholder a credit equivalent to the amount of the spending limit. The use of the credit card thus enables purchases to be registered in the user account and thus to defer payment. Any request for a change in the credit limit must be made in writing to Brunschwig & Cie SA, which is free to accept or reject it, without stating the reason. Brunschwig & Cie SA is also free to adjust the credit limit at any time, which will be deemed to have been accepted unless the cardholder notifies Brunschwig & Cie SA in writing within ten days.
4.2. Once a month, the Cardholder receives a statement of the transactions carried out, including an invoice for the amount due. The Cardholder is obliged to pay the invoiced amount by the payment date at the latest and in accordance with the terms and conditions shown on the statement. Any disputes relating to the purchase of goods and any claims arising therefrom do not release the Cardholder from the obligation to pay the invoiced amounts.
4.3. The cardholder must therefore pay an amount at least equal to 10% of the balance shown on the statement, before the expiry of the date indicated on the statement, by postal or bank transfer, or through our services in store. An interest at the effective annual rate of 12% will be charged to the cardholder on any debit balance that has remained until the cut-off date of the following monthly statement (usually the 25th of each month).
4.4. If you pay less than the minimum amount indicated on your invoice, the remainder will be added to your next invoice. In this case, Brunschwig & Cie SA may demand full payment of the outstanding invoice and block your card. Any costs related to collections will be your responsibility.
4.5. At the 3rd reminder, if no minimum payment is made on your outstanding balance, the entire balance will become immediately payable without notice. Brunschwig & Cie SA will then have the right to demand payment through legal means and may block your card until the account is settled.
4.6. If the credit limit has been reached, the Cardholder must make a payment in order to unblock his account and the Card(s) linked to it.
4.7. The statement of account is to be checked upon receipt. Any complaint or dispute must be made by post, as soon as the statement is received but no later than thirty days after the date shown on the statement, to the customer service department: Brunschwig & Cie SA - BG Club Customer Service, Chemin de la Marbrerie 3-5, CH- 1227 Carouge GE. Failing this, the statement, the resulting amount to be paid and the transactions listed therein will be deemed to be accepted.