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An Authorization Letter To Use Credit Card is a crucial document in Pakistani banking practice that enables a cardholder to legally authorize another person to use their credit card. This document becomes necessary in various situations, such as business representatives making purchases on behalf of their company, family members handling transactions for elderly relatives, or trusted individuals managing purchases during the cardholder's absence. The letter must comply with Pakistani banking regulations, particularly the Payment Systems and Electronic Funds Transfer Act, 2007, and State Bank of Pakistan guidelines. It typically includes comprehensive details about both parties, specific authorization limits, validity period, and usage restrictions. The document serves as both a security measure and a legal protection mechanism for all parties involved, including the issuing bank.

1. Letter Date and Location: Current date and place of writing the authorization letter

2. Recipient Details: Name and address of the bank/financial institution to whom the letter is addressed

3. Subject Line: Clear indication that this is a credit card authorization letter

4. Cardholder Information: Complete details of the credit card owner including full name, address, and contact information

5. Authorized User Information: Complete details of the person being authorized to use the card including full name, address, and contact information

6. Card Details: Partial credit card number (last 4 digits), issuing bank, and card type

7. Authorization Scope: Clear description of the extent of authorization including transaction limits and permitted types of transactions

8. Authorization Period: Specific timeframe for which the authorization is valid

9. Declaration of Authority: Explicit statement authorizing the named person to use the credit card

10. Signature Block: Space for cardholder's signature, name, and date