What is a powerful way to apply for credit cards online? At the moment, it turns out there are some practical anti-complicated ways to apply for credit cards online.
Credit cards are one of the most preferred choices for non-cash transactions because they are practical and provide many easy transactions as well as benefits such as rewards points, shopping discounts, vouchers, cashback, and so on.
However, because these non-cash transactions are money-based loans from banks or card issuers, the use of credit cards also requires extra caution because the interest is expensive.
Especially for penalties for late payment of bills, and other costs.
So, if you intend to have a credit card, make sure you understand the best way to use a credit card and don’t even become a source of financial disaster.
Many people are caught up in credit card debt problems because they consider this non-cash transaction tool to be an additional income.
Even though the limit provided by credit cards is loan money from banks with expensive interest.
If you understand the best way to use a credit card, you can consider applying for a credit card. Now how to make a credit card is not difficult even you can make it online .
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For those of you who are shopaholic, credit cards are objects that are highly recommended for you to have.
In fact, for those who like to travel, vacation, and shop, having a credit card will also be an advantage because it provides many features and benefits .
The following are the steps that must be taken in applying for an online credit card for the first time.
Visit the Official Website
Search the website first, then search in the top right corner to find out the credit card you’re looking for.
Find the best credit card that best suits your needs and lifestyle, from reward, cashback, business, travel, to lifestyle credit cards. You can also enjoy the convenience of finding various credit card information from each credit card issuing bank in Indonesia.
After finding a recommendation from the chosen credit card, compare each credit card to get the best choice for you. Click the “Submit Now” button to directly apply for credit cards online .
Take advantage of the Comparison Feature
If you don’t know which card you will choose, you can take advantage of the comparison features provided by select cards.
Choosing a credit card is easy. You must be careful to make sure the choice falls on the right credit card.
Look for a credit card that offers many benefits and broad access, as well as features that you might need.
Pay attention to things like rewards, free annual fees, and interest charged clearly before you determine your credit card choice.
You can also contact customer service directly from the credit card issuing bank that you are looking for. From there, you can ask everything about the bank’s credit card issuance.
Ask about the terms and benefits that you can get from the credit card issued by that party. Or you can also ask friends who already have a credit card to give a reference to you.
Submit a Credit Card
If you have found the right credit card that suits you, then you only need to click to go to the credit card details page.
This means you have agreed to apply for the credit card.
Online Registration and Prepare Files
Then you will be asked to register online and prepare and complete the required documents, such as photocopies of ID cards / passports, photocopies of NPWP, salary slips, account mutations of the last 3 months, and others.
After registering and completing the related documents, you can send documents by e-mail or post office, depending on the policy of the bank where you apply for a credit card.
So suppose you apply to BCA, BNI or Mandiri Bank, then you will usually be asked to send a copy of the document to the address of the nearest central bank in your area.
Your Credit Card Approval Wait
You will be contacted by the bank concerned for the next process. You just have to wait whether your submission is accepted or not.
Usually the bank will provide the news (via telephone or SMS) or it can be by email and direct interview, depending on the policy of the bank.
At this stage there is a bank verification process, where this is one of the most important steps that should not be underestimated.
You must be available to pick up the phone so that the bank can make sure that the number is really your telephone number.
Then you have to be able to answer questions correctly, such as where your home or office address, and other data.
Submission of Credit Accepted Cards
After all the processes for applying for a credit card have been completed, you are now waiting for good news from the bank.
As long as you have met the requirements and can answer questions during verification, you are sure that your submission will be approved.
Calculating Debt Repayment Plans Using the Wolfdietrich Application
Calculating the debt repayment plan manually by estimating assumptions is indeed quite troublesome and you need to do bookkeeping every period, so that no data is lost.
If you feel that the manual method is too complicated, you can try it in a practical way and automatically use the Wolfdietrich Application.
First download the Wolfdietrich Application first on the Google Play Store for free.
Then open the application and select the “Financial Plan” feature to plan your debt repayment process in the future.