{"id":5973,"date":"2022-12-27T11:14:38","date_gmt":"2022-12-27T11:14:38","guid":{"rendered":"https:\/\/www.cst.com.lb\/?page_id=5973"},"modified":"2023-01-30T10:45:23","modified_gmt":"2023-01-30T10:45:23","slug":"retail-credit-insurance","status":"publish","type":"page","link":"https:\/\/www.cst.com.lb\/index.php\/our-solutions\/retail-credit-insurance\/","title":{"rendered":"Retail Credit Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5973\" class=\"elementor elementor-5973\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb3c1c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb3c1c6\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a9fa8a8\" data-id=\"a9fa8a8\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d20e90a mb-0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d20e90a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.2 - 22-02-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What is a RETAIL CREDIT INSURANCE\n\n?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3828728 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3828728\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ea6d8e0\" data-id=\"ea6d8e0\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87ff8f7 featured lead elementor-widget elementor-widget-text-editor\" data-id=\"87ff8f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.2 - 22-02-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"text\"><div class=\"c-copy u-text-hyphen-manual\"><strong>Credit Insurance<\/strong> is a <strong>HEDGE<\/strong> made by banks, Financial Institutions and Traders against credit losses.<\/div><div>\u00a0<\/div><div class=\"c-copy u-text-hyphen-manual\">It provides <strong>PROTECTION<\/strong> for the repayment of loans made by Banks, financial institutions or traders, following the borrower\u2019s insolvency or PAYMENT DEFAULT.<\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2841b12\" data-id=\"2841b12\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b94950 elementor-widget elementor-widget-porto_button\" data-id=\"2b94950\" data-element_type=\"widget\" data-widget_type=\"porto_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a aria-label=\"button\" class=\"btn btn-lg btn-dark btn-modern\" href=\"https:\/\/www.cst.com.lb\/index.php\/contact-us\/\"><span >Find Us<\/span><\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8644419 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8644419\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3788898\" data-id=\"3788898\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57f92fc featured lead elementor-widget elementor-widget-text-editor\" data-id=\"57f92fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"text\"><div class=\"c-copy u-text-hyphen-manual\"><p>Retail Credit Insurance Cover\u00a0<\/p><ul><li>Car Loans<\/li><li>Personal Loans<\/li><li>Credit Cards<\/li><li>Consumer Loans<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e512854 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e512854\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-07c2cc9\" data-id=\"07c2cc9\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6efc34c mb-0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6efc34c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages To The Insured\n\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fdc469a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fdc469a\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-80c1ccb\" data-id=\"80c1ccb\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bfe5c8 elementor-widget elementor-widget-porto_info_box\" data-id=\"2bfe5c8\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-top\"><div class=\"porto-just-icon-wrapper porto-icon advanced\" style=\"\"><i class=\"Simple-Line-Icons-credit-card\"><\/i><\/div><\/div><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">Provisions<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><p>When granting retail loans, provision rates shall be considered as Corporate, due to the fact that Insured will then be bearing the Insurance company\u2019s risk instead of the individual\u2019s debtor risk(Basel 2)<\/p><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0919d91\" data-id=\"0919d91\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8865608 elementor-widget elementor-widget-porto_info_box\" data-id=\"8865608\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-top\"><div class=\"porto-just-icon-wrapper porto-icon advanced\" style=\"\"><i class=\"porto-icon-credit-card\"><\/i><\/div><\/div><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">Reserves<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><p>When coming to defaults, the insurance company will Indemnify the Insured before reaching 90 days of defaults. Consequently the Insured will not be bound to hold reserves on defaulted debtors after reaching 90 days of defaults (Basel 3).<\/p><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e56a230\" data-id=\"e56a230\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-629d845 elementor-widget elementor-widget-porto_info_box\" data-id=\"629d845\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-top\"><div class=\"porto-just-icon-wrapper porto-icon advanced\" style=\"\"><i class=\"far fa-credit-card\"><\/i><\/div><\/div><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">No Worry About Legal Aspects:<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><p>The Insured will save all managerial and legal cost after the 90 days of default, considering that collection and legal actions will then become the insurance company\u2019s responsibility.<\/p><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-244c935 elementor-section-full_width call-to-action-in-footer elementor-section-height-default elementor-section-height-default\" data-id=\"244c935\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc45959 ps-lg-4\" data-id=\"fc45959\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70d73b5 mb-2 elementor-widget elementor-widget-heading\" data-id=\"70d73b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><strong>How it works\u200b<\/strong><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9248e9a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9248e9a\" data-element_type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6c404e0\" data-id=\"6c404e0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-776d7c1 p-xl elementor-widget elementor-widget-porto_info_box\" data-id=\"776d7c1\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">Policy Issuance<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><ul><li style=\"text-align: left;\">Insured will fill a proposal form Related to Types of Loans he wishes to insure.<\/li><li style=\"text-align: left;\">Insurance Company will study the proposal form and provide the Insured with an offer.<\/li><li style=\"text-align: left;\">Insured accepts the offer.<\/li><li style=\"text-align: left;\">Insurance Company Issues the poli<\/li><\/ul><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0e73d0e\" data-id=\"0e73d0e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a45ddd6 p-xl elementor-widget elementor-widget-porto_info_box\" data-id=\"a45ddd6\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">Underwriting<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><ul><li style=\"text-align: left;\">Insured sends loans applications to Insurance Company (Daily).<\/li><li style=\"text-align: left;\">Insurance Company sends appraisal document Accepting Or Rejecting the Application (Daily).<\/li><li style=\"text-align: left;\">Insurance Company sends a report of all accepted applications (Monthly).<\/li><li style=\"text-align: left;\">Insured returns the report stating executed Loans. (Monthly).<\/li><li style=\"text-align: left;\">Insurance Company issues invoice on executed Loans (Monthly).<\/li><li style=\"text-align: left;\">Insured settles the premiums (Monthly).<\/li><\/ul><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6c88970\" data-id=\"6c88970\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d165bc1 p-xl elementor-widget elementor-widget-porto_info_box\" data-id=\"d165bc1\" data-element_type=\"widget\" data-widget_type=\"porto_info_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"porto-sicon-box style_1 top-icon\"><div class=\"porto-sicon-header\"><h3 class=\"porto-sicon-title\" style=\"\">Claims<\/h3><\/div> <!-- header --><div class=\"porto-sicon-description\" style=\"\" ><ul><li style=\"text-align: left;\">Insured provides the Insurance Company with a list of delayed customers (weekly).<\/li><li style=\"text-align: left;\">Insured provide the Insurance company with a Claim Declaration and supporting documents (when default reaches 60 days).<\/li><li style=\"text-align: left;\">Insurance Company accepts and settles the claim, either by settling the due amounts and substitute the defaulter with commitment to settle undue installments on due dates. OR settles all the remaining amount of the loan after deducting the interest on the remaining period.<\/li><li style=\"text-align: left;\">Insured will transfer the subrogation rights on accepted claims to the Insurance company and provide it with a power of attorne<\/li><\/ul><\/div> <!-- description --><\/div><!-- porto-sicon-box -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b5b436 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9b5b436\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cdedca5 get-started\" data-id=\"cdedca5\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cba2d93 w-auto font-weight-semibold elementor-widget elementor-widget-porto_button\" data-id=\"cba2d93\" data-element_type=\"widget\" data-widget_type=\"porto_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a aria-label=\"button\" class=\"btn btn-md btn-primary\" href=\"https:\/\/www.cst.com.lb\/wp-content\/uploads\/2023\/01\/Retail-Credit-Insurance-Questionnaire-Payment-Default-Existing-and-Forecast.xlsx\"><span >Download Application<\/span><\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3beef67 w-auto elementor-widget elementor-widget-heading\" data-id=\"3beef67\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.cst.com.lb\/index.php\/upload-retail\/\">or <a class=\"font-weight-semibold text-white\" href=\"https:\/\/www.cst.com.lb\/index.php\/upload-retail\/\" >Upload application <\/a>.<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-106a232 elementor-section-full_width call-to-action-in-footer elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"106a232\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-9fa9eae ps-lg-4\" data-id=\"9fa9eae\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7edd36a mb-2 elementor-widget elementor-widget-heading\" data-id=\"7edd36a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover our  <strong>other solutions<\/strong><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d0fb0af text-lg-start p-t-sm\" data-id=\"d0fb0af\" data-element_type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6e3143 elementor-widget elementor-widget-porto_button\" data-id=\"d6e3143\" data-element_type=\"widget\" data-widget_type=\"porto_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a aria-label=\"button\" class=\"btn btn-lg btn-dark btn-modern\" href=\"https:\/\/www.cst.com.lb\/index.php\/our-solutions\/\"><span >Discover our Solutions<\/span><span class=\"dir-arrow hlb\" data-appear-animation-delay=\"800\" data-appear-animation=\"rotateInUpLeft\"><\/span><\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is a RETAIL CREDIT INSURANCE ? Credit Insurance is a HEDGE made by banks, Financial Institutions and Traders against credit losses.\u00a0It provides PROTECTION for the repayment of loans made by Banks, financial institutions or traders, following the borrower\u2019s insolvency or PAYMENT DEFAULT. Find Us Retail Credit Insurance Cover\u00a0 Car Loans Personal Loans Credit Cards [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1762,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/pages\/5973"}],"collection":[{"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/comments?post=5973"}],"version-history":[{"count":57,"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/pages\/5973\/revisions"}],"predecessor-version":[{"id":6768,"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/pages\/5973\/revisions\/6768"}],"up":[{"embeddable":true,"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/pages\/1762"}],"wp:attachment":[{"href":"https:\/\/www.cst.com.lb\/index.php\/wp-json\/wp\/v2\/media?parent=5973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}