Credit Me / Credit You

1. What is Credit Me / Credit U?
2. What is the difference between Credit Me and Credit U?
3. Are Credit Me and Credit U separate services?
4. Why is Digicel introducing these products?
5. Are customers required to transfer funds according to the existing voucher denominations that are currently available?
6. What amounts (voucher denominations) can customers request/transfer using the Credit Me/Credit U?
7. Is there a maximum amount of funds that can be transferred by a Credit U transaction?
8. Can users request or transfer non-whole dollars?
9. Are there any criteria that customers need to meet to send a Credit Me?
10. What are the short codes for the Credit Me and Credit U services?
11. Is there a service fee or any other charge for sending a Credit Me?
12. Is there a service fee for sending a Credit U?
13. Why is there a charge for Credit U?
14. What are the criteria to send a CreditU?
15. What happens after a user sends a Credit U request?
16. Are customers required to register or be provisioned for the services?
17. How do customers send a Credit Me message?
18. What does Customer “A” (requestor) get after sending a Credit Me message?
19. What does Customer “B” (creditor) get when a Credit Me message is sent?
20. How do customers send a Credit U?
21. What are the criteria for sending a Credit U?
22. If a customer enters an incorrect amount or incorrect recipient number, can this be corrected?
23. What happens after the creditor (person giving credit) has confirmed the transaction by typing “*128*1#”?
24. How will the recipient be notified that credit has been added to their account via Credit U?
25. How does Credit U affect airtime expiry?
26. Will Credit Me and Credit U work while roaming?
27. Will customers be able to transfer funds to and from Digicel customers in other islands?
28. Can I bar someone from sending me a Credit Me request?
29. Will Customer Care be able to bar persons who are abusing the service
30. Will loyalty promotion free credit be awarded for the first top up, if the top up is from a Credit U transfer?
31. Are customers’ balances accessible to creditors (either before or after a Credit U transfer)?
32. What will happen in cases where credit is transferred to accounts that are at their maximum allowed balances?
33. Will Digicel refund customers who claim that someone accessed their phones and transferred credit from it?
34. What happens if a customer does not have adequate funds to complete the transfer?

Do you have questions for which you need answers, then email us customercare@digicelbarbados.com. You will receive a response within 48 hours.


1. What is Credit Me / Credit U?
  • Credit Me / Credit U is one of Digicel’s newest innovations for requesting and transferring credit from one Digicel phone to another Digicel phone. 

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2. What is the difference between Credit Me and Credit U?
  • Credit Me allows Digicel prepaid customers to request credit from another Digicel Prepaid or Postpaid customer.

  • Credit U allows Digicel Prepaid or Postpaid customers to transfer credit to Digicel prepaid customers.

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3. Are Credit Me and Credit U separate services?
  • Yes. Either can be used independently.
    • A Credit Me is sent by prepaid customers wishing to receive funds (i.e. requesting funds). 
    • The recipient of the Credit Me is not obligated to respond by sending a Credit U.  They may use any other available top up method to honor the request – e.g. Top U Up, WebFlex, etc.
    • A Credit U can be sent unsolicited – e.g. a parent sending a child credit or a grandchild sending a grandparent credit, etc.
    • Postpaid customers CANNOT SEND a Credit Me. 
    • Postpaid customers CANNOT RECEIVE a Credit U.

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4. Why is Digicel introducing these products?
  • In keeping with our drive to be innovative, Digicel continues to be first in marketing new products and services.  Additionally, Credit Me / Credit U will also address cases of need when access to other top up methods is limited / unavailable.

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5. Are customers required to transfer funds according to the existing voucher denominations that are currently available?
  • No. Customers can request and receive ANY variable amount at or above BBD $2.

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6. What amounts (voucher denominations) can customers request/transfer using the Credit Me/Credit U?

  • Customers are not required to request or transfer credit according to the voucher denominations that are currently available.

  • Customers can request and receive any variable amount greater than or equal to BBD $2

  • Example
    • Jack would like to request BBD 50.00 from Jill (261-2345).
    • Jack will send *127*12462612345*150#to request BBD 50.00 from Jill.

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7. Is there a maximum amount of funds that can be transferred by a Credit U transaction?

  • Yes. For fraud control purposes, we will limit the daily value of transfers to BBD $500 for both prepaid and postpaid creditors.

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8. Can users request or transfer non-whole dollars?

  • No. USSD messages do not allow the entry of decimal points.  Amounts requested and transferred must be in whole dollars.


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9. Are there any criteria that customers need to meet to send a Credit Me?

  • Yes.  Only prepaid customers, with balances less than BBD $2, or with expired airtime or service dates are allowed to send Credit Me requests.

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10. What are the short codes for the Credit Me and Credit U services?
  • Yes. For each Voucher purchased the respective airtime will remain the same. .

  • Both Credit Me and Credit U are USSD services, the short codes to use the services are:

    • Credit Me:  *127#;

      • Example - Mary’s prepaid number is 12462612345.  She wants to request BBD 50.00 from John – John’s number is 12462654321.  To request the funds, Mary simply sends the following USSD string to John’s number: *127*12462654321*50#

    • Credit U: *128#,

      • Example - If John wishes to send the BBD 50.00 credit to Mary using Credit U, he will simply send the following USSD string:  *128*12462612345*50#

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11. Is there a service fee or any other charge for sending a Credit Me?

  • At launch there will be no charge and no limit on the number of Credit Me requests.  

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12. Is there a service fee for sending a Credit U?

  • Yes.  The charge is BBD 20c per transfer.

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13.  Why is there a charge for Credit U?

  • Credit U is a Mobile Commerce Transaction and ALL such transactions incur a service charge to the customer (E.g. Wire Transfer service provided by commercial banks.)

  • This is to also ensure that Digicel is able to cover its costs for providing this service.

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14. What are the criteria to send a CreditU?

  • Unlike Credit Me that is limited to prepaid customers, Credit U can be sent by both Prepaid and Postpaid customers who are not blacklisted from accessing the service.  Creditors must meet the criteria of having active accounts (i.e. airtime not expired), with adequate balances / credits on their accounts so as not to have a zero balance or less on the account after the transfer and service fee is deducted, as well as being in the same island group as the recipient of the CreditU transfer.

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15. What happens after a user sends a Credit U request?

  • A USSD message confirming receipt of the transfer request is immediately delivered “Your request has been received, and is being processed. An SMS with instructions will follow.”  Thereafter, an SMS presenting the desired transaction and next steps will be delivered.

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16. Are customers required to register or be provisioned for the services?

  • All prepaid customers will be automatically provisioned to send Credit Me and Credit U messages.

  • Individual Postpaid customers will be automatically provisioned to use the Credit U service, BUT they will be blacklisted (i.e. restricted) from using the Credit Me service.

  • Postpaid customers are NOT able to receive a Credit U. However, they will be allowed to send Credit U.

  • All Corporate Postpaid and VIP Postpaid customers will be blacklisted (i.e. restricted) from using both the Credit Me and Credit U service for the following reason: These accounts will be restricted from using the Credit Me and Credit U service - in an effort to ensure that companies and their employees with Corporate or VIP accounts are not able to transfer funds to friends and family at their company’s expense.  It will also reduce the company’s exposure to fraud.

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17. How do customers send a Credit Me message?

  • The Credit Me message is sent by typing the following from a blank screen on the handset: *127*1areacodenumber*amount requested#, SND

  • Example

    • Customer “A - requestor” (2687855) wants to request $75 from Customer “B - sender” (268-4795).
    • Customer “A” sends *127*12462684795*75# SND.

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18. What does Customer “A” (requestor) get after sending a Credit Me message?

  • Customer “A” (requestor) will receive the following message:
    • “Your request was sent, you have requested BBD 75 from 12462684795”. 

  • This allows the requestor to check the number to which the Credit Me was sent. If there was an error, the requestor can send another request as there is no limit to the number of Credit Me requests allowed.

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19. What does Customer “B” (creditor) get when a Credit Me message is sent?

  • Customer “B” (creditor) would receive the following text message:

    • “12462687855 requests BDS $75.  BDS 0.20 will be taken from your account.  Please type *128* 12462687855.75# and press send to agree.”

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20. How do customers send a Credit U?

  • A customer can send a Credit U by typing the following from a blank screen on the handset: *128*1areacodenumber*amount to be transferred# SND

  • Example: Customer “B” (2687855) wants to send $100 to Customer “A” (2610452) Customer “B” sends *128*12462610452*100#SND.

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21. What are the criteria for sending a Credit U?

  • To send a Credit U, customers must satisfy the following criteria:

    • Must be a Digicel prepaid or postpaid customer;
    • Must have an active account:
      • Prepaid (i.e. airtime or service period not expired),
      • Postpaid (i.e. account should not be disconnected due to overdue bills etc

  • Must have adequate balance

  • Prepaid – so as not to have a zero balance or less on the account after the transfer and service fee is deducted.

  • Postpaid – account must have adequate available balance to transfer required amount.

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22. If a customer enters an incorrect amount or incorrect recipient number, can this be corrected?

  • Yes.  A customer attempting to send credit will be given the opportunity to confirm the information submitted. The customer will receive the following confirmation message:

  • Example: “To send BBD 100.00 to 12462687855, BBD 20c will be taken from your account.  From a blank screen, type *128*1# to agree, or*128*2# to cancel. Reply in 10 minutes.”

    • If errors are made, then the customer can cancel using *128*2#, and start over.

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23. What happens after the creditor (person giving credit) has confirmed the transaction by typing “*128*1#”?

  • The creditor receives the following USSD message:

    “Your response has been received, and is being processed.  An SMS advising the outcome of your transaction will follow."

  • If successful, this is followed by an SMS message:

    “12462687855 has received BBD 100.00 from you.  A total of BBD 20c has been taken from your account.  Thank You for using CreditU!”

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24. How will the recipient be notified that credit has been added to their account via Credit U?

  • Recipients will receive the following SMS notification:

    “You have received BBD 100.00 from 12462610452.  Your current balance is BBD XXX.XX.”

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25. How does Credit U affect airtime expiry?

  • Creditor: There is no change in the airtime expiry of the creditor. 

  • Recipient: The airtime of recipients is extended using a “lift up” system.  The airtime is not extended beyond 7 days.  For example, A Credit U transaction is done on April 15, the airtime for the recipient cannot be extended beyond April 22.

    Therefore:

    • If Recipient “A” is airtime expired then he is given the maximum extension (April 22)
    • If Recipient “B” is not yet expired but will expire before the maximum extension date (e.g. April 20), he will be given additional days (in this case 2 days) so that his airtime will expire on the maximum extension date (April 22)
    • If Recipient “C” is not yet expired but will expire on a date beyond the maximum extension date (e.g. May 1st) his airtime will remain unchanged.

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26. Will Credit Me and Credit U work while roaming?

  • Credit Me / Credit U are USSD based services.  They will work once the roaming network/s support USSD services.  

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27. Will customers be able to transfer funds to and from Digicel customers in other islands?

  • Customers will only be able to transfer funds to other customers of the same island, irrespective of the location of the creditor and/or recipient EXCEPT the OECS islands (Anguilla, Antigua, Dominica, Grenada, St. Kitts, St.Lucia & St. Vincent), that use the same currency

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28. Can I bar someone from sending me a Credit Me request?

  • No. As with Call Me, barring will not be available. 

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29. Will Customer Care be able to bar persons who are abusing the service?

  • As with Call Me, barring will not be available. 

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30. Will loyalty promotion free credit be awarded for the first top up, if the top up is from a Credit U transfer?

  • No. Loyalty promotion free credit will not be awarded for first top up of the month if that top up is a Credit U transfer.

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31. Are customers’ balances accessible to creditors (either before or after a Credit U transfer)?

  • No. Privacy of customers is observed at all times.

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32. What will happen in cases where credit is transferred to accounts that are at their maximum allowed balances?

  • As per a normal top up, the transfer is considered successful and the procedure for storing the excess funds and transferring them at later periods is actioned.

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33. Will Digicel refund customers who claim that someone accessed their phones and transferred credit from it?

  • No. Customers are responsible for securing their handsets and will be responsible for all activities generated from the handset.

  • In the event of theft, the existing procedures apply and once reported to Customer Care, mobile phone service will be de-activated.


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34. What happens if a customer does not have adequate funds to complete the transfer?

  • The customer is issued an error message:

    “Your attempt to transfer BBD xxx to 1246xxxxxxx has failed because you do not have enough credit. Please add credit to your account and try again.”

    The Bill as it appears to the customer ...


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