What should I do if, after receiving a notice regarding the termination or reduction of the card credit limit, I have not accumulated enough funds in my account to cover the used and non-renewed credit limit or part of it?

If you do not repay the used card credit limit or part of it on time, contractual penalties / default interest will be calculated on the used and unpaid credit limit or part of it.

After receiving a notice regarding the termination or reduction of the credit limit, you may also complete the "Card credit limit debt payment application" and apply for debt restructuring by entering into a debt repayment agreement according to an agreed payment schedule. You can find the application in the Citadele Internet Bank under "Lending and Leasing → Applications → Agreement on debt repayment", or by clicking this link: mano.citadele.lt/credit-restructuring/

After reviewing your application, the Bank will make a decision. If the decision is positive, the Bank will provide an offer, which you will be able to accept in the Citadele Internet Bank by entering into a debt repayment agreement.