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 shown on the statement, by postal or bank transfer, by LSV or to Customer Service: Brunschwig & Cie SA - BG Club Customer Service, Chemin de la Marbrerie 3-5, CH- 1227 Carouge GE. Interest at an effective annual rate of 12% will be charged to the cardholder on any debit balance remaining until the date on which the next monthly statement is closed (i.e. in principle on the 25th of each month).
4.4. If the amount paid is less than the minimum amount shown on the statement, the unpaid portion of the minimum amount is added to the minimum amount on the next Card statement. In this case, Brunschwig & Cie SA reserves the right to demand immediate payment of the entire outstanding invoice amount and to block the card. Any reminder and collection costs are to be borne by the cardholder.
4.5. In the event that no minimum payment on the outstanding balance has been received on the user account, the entire debit balance of the account will become due and payable, without any further notice or formal notice. Brunschwig & Cie SA is then entitled to demand payment by means of legal action and may block the card until the account has been 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.