Don’t have a credit card yet? How to make a credit card is very easy, you know!
In fact, you can directly apply for a credit card online, without having to come to a bank branch office.
we had prepared a series of easy steps that you must follow to make a credit card.
When Should You Make a Credit Card?
Before knowing how to make a credit card, you need to know in advance the reason why you need this card.
The reason is, if not used wisely, a credit card can actually be a disaster for you.
Transaction requires
Make a credit card when there is a transaction that requires you to pay with the card.
Some examples of cases are when shopping online at a global company.
Visa or Mastercard charge cards can typically be utilized for any exchanges at unfamiliar organizations. Your transactions will become more practical, safe, and reliable.
Knowing how to use it
Note that the use of this card is for emergencies only, not for everyday use.
Despite the fact that costs will be recorded and announced, keep the distinction between utilizing a Visa and charge of course, yes.
Also learn about the ins and outs of a credit card from the selected bank, from the interest rate on the installments to other regulations that may be legally binding.
You can use a credit card with your own account as long as you can pay it back again, for those of you who want to shop for foreign products, pay attention to the currency value of that country. Foreign exchange rates also affect your financial expenses. You can also investasi valas exchange for the future, so that no losses will befall you.
Income
Even though you can make a credit card before working, try to apply for a credit card yourself when income has stabilized.
Do not use a credit card whose monthly limit is greater than the salary you get.
Since, in the event that you can’t pay, there will be sanctions that should be paid.
How to Make a Credit Card
How to make a credit card is quite easy. You can do it online or offline.
To apply for a credit card online, you can directly visit the website of the bank you want to go to.
Set up the necessary archives, follow the means, then, at that point hang tight for news whether your application has been acknowledged by the bank. Extremely simple, correct? Very easy, right?
If you prefer to come directly to the bank and apply for a credit card face to face, don’t worry.
Here’s how to make a credit card offline:
1. Prepare the required documents
Before going to the bank, you need to prepare the required documents for applying for a credit card.
Each bank may have different requirements, but in general, these are the documents you should bring:
- Photocopy of ID Card/Passport
- Copy of TIN
- Copy of income or salary slip (minimum IDR 3,000,000/month)
- Copy of passbook (for the last 3 months)
- Company certificate (SKP, given by the office where you work)
Those are a portion of the records that should be ready. Another supporting archive that is typically mentioned is an explanation that you have a perfect record of loan repayment.
The bank can also ask for a photocopy of the credit card along with the bill for the last month, if you already have a credit card.
2. Visit the selected bank branch
After preparing the required documents, the next step is to visit the branch office of the bank of your choice.
Arriving there, take the queue number to meet with customer service (CS).
State the purpose of your visit, then ask any questions you may want to know before starting the application process.
A few inquiries that might be posed are what sort of Mastercard is appropriate for you, how much interest is charg.
3. Fill in the form and submit the requirements
After that, CS will give you a form that you must fill out completely.
If you have filled in completely, submit the form and also the required documents to the intended party.
From that point forward, your document will be recorded and prepared by the bank.
4. Interview process
If your file has been processed, there will be an interview session with the bank.
The questions asked will relate to personal data contained in the form, required documents, and other questions related to credit card applications.
Some examples of questions that may be asked and you should prepare the answers are:
• “Why do you need a credit card?”
• “Do you have other installments other than credit cards? Are you able to pay the specified interest?”
The answers to these questions will determine whether you get the credit card proposed or not.
Your application may be accepted by the bank, however, with a lower monthly limit because it adjusts to your income and financial ability.
5. Waiting for news
After the interview is over, you just have to wait for news.
If your credit card application is accepted or rejected, the bank will immediately contact you to inform you.
So, no need to contact many times
