Rancakmedia.com – To make financial transactions easier, many people are interested in learning how to make a credit card. In this more sophisticated digitalization era, financial transactions and payments are easier to do.
One of them is the existence of a credit card that can be used to pay for different payments, both offline and online. With the convenience offered by this magic card, it's no wonder that many people are interested in owning it. Interested in making credit card? First, check out some of the following important credit card facts:
Things to Look For Before Making a Credit Card
Currently, there are many banks that provide ways to make credit cards with simple terms and procedures. However, this convenience does not mean that you are free to make a credit card at any time. In order not to regret it later, there are many things that need to be addressed before making a credit card, such as:
1. Understand the Basic Concept of a Credit Card
Before being persuaded to make it, first understand the basic principles of a credit card first. Credit cards are not only for the convenience of conducting financial transactions. However, the basic idea of a credit card is a borrowing tool that is valid for a certain nominal period of 30 days.
After this period, you are required to pay for every transaction that has been made using a credit card. In other words, using a credit card is the same as having debt.
2. Choose a Credit Card According to Your Needs
Before learning how to make a BCA or other bank credit card, make sure to first choose the type of credit card that suits your needs. Every bank that provides credit cards usually offers various types of credit cards that are differentiated based on their functions and limits.
Choose the type of credit card that suits your needs and ability to pay payments. In addition, look for a credit card that offers many benefits and broad access.
3. Make sure your financial history is safe and smooth
During the credit card application procedure, the bank will check the applicant's financial history. Therefore, before submitting how to make a credit card, make sure you don't have a history of loans or bad credit. If there are signs of bad credit or difficult loan payments, it is guaranteed that the credit card application will be rejected.
4. Complete the Requirements and Fill in the Form
Before making a credit card, make sure you first complete the requirements specified by the bank you choose. The application requirements for each regular bank are different. However, in general there are minimum earning requirements and general minimum requirements that you must meet. For example, candidates must be at least 21 years old with a minimum monthly salary of IDR 3 million.
After you have all the necessary requirements, don't forget to fill out the credit card issuance application form provided by the bank. Make sure you fill out the form for how to make this credit card with valid and complete information so that the credit card can be issued.
How to Make a Credit Card at All Banks
The procedure for making or issuing a credit card is actually not complicated. The customer can apply for a credit card issuance by visiting the selected bank directly. For more information on how to make this credit card, here are the steps:
1. Choose the right bank and card type
The first step if you want to make a credit card is to choose Bank issuer and type of card that suits your needs. Currently, almost all public and commercial banks have provided credit cards for their clients.
Each bank also offers various kinds of credit cards depending on their limits and functions. Make sure to choose the type of credit card that suits your needs and financial capabilities. Before choosing, pay attention to the advantages provided by this type of credit card.
2. Complete the Requirements
After selecting the issuing bank and the type of credit card you want, complete the requirements. How to make a credit card BNI and other banks have various requirements. However, in general, the requirements for applying for a credit card for each bank are as follows:
- Photocopy of KTP
- Minimum age 21 years
- Minimum net income of IDR 3 million per month
- Copy of salary slip \sCopy of NPWP
- Copy of passbook for the last 3 months
- If you already have a credit card, attach credit card statements for the last 3 months
3. Fill in the form provided
How to make a credit card is done directly at the selected bank location. To make one, present all the required documents to the customer service of the bank you have chosen. Next, the bank will check the required documents. If it is appropriate, fill out the credit card application form provided. Make sure all data is accurate and complete so that the submission procedure can be successful.
4. Be Prepared To Be Surveyed By The Bank
After the registration process, the credit card will not be given immediately. However, initially there will be a survey conducted by the bank to make sure you are eligible for the credit card. The survey was conducted on credit records, homes and offices.