Klijenti banaka koji ne žele da iskoriste „drugi moratorijum“, imaju vremena do ponedeljka da o tome obaveste svoju banku, dok oni koji žele zastoj otplate ne moraju da se javljaju. Moratorijum se odnosi na kredite i sve kreditne proizvode uključujući dozvoljene minuse i kreditne kartice. Najbezbedniji način za penzionere je da pozovu kol-centar banke i izraze svoju želju.
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