Credit cards are now a necessity for many people. It’s no longer just a meaningless lifestyle. That’s because the benefits of credit cards make it easier for someone in financial transactions.
As credit cards ground, issuing banks are increasingly innovating. One of them is adding a credit card filing channel. Of all of which are only offline or conventional, now it has penetrated online.
As long as the customer is connected to the internet network, credit card applications can be done anytime and anywhere. No need to bother coming directly to the bank, so it saves time and costs.
In practice, offline credit card applications are still in demand by customers. The reason is that it is clearer. No more confusion because it will be directly served by customer service.
Actually, whatever method of credit card submission is chosen, it is your right. The bank only provides facilities. Want to go online, offline can be served. The following credit card submission methods that you can choose from include:
Come directly to the bank
Many people or customers still entrust offline channels, such as coming directly to the bank to get financial services. For example, saving, withdrawing money, transferring and applying for a credit card.
Of course, there are pluses and minuses. The advantages of applying for a credit card directly to the bank, you as a customer will know in detail the information and features of the credit card clearly directly from the clerk, such as credit card limits obtained, the tenor or due payment of bills, interest rates, and others.
The drawback, of course, a lot of time, energy, and cost wasted. For example, to pay transportation costs to the bank, long lines to get services, and others.
Before coming to the bank to apply for a credit card, make sure you prepare the required documents, such as a photocopy of your KTP, NPWP, and salary slip. Then come to the nearest branch bank, then fill out the credit card recognition form and submit the requirements. Then just wait for the verification process from the bank.
Through credit card marketing
Credit card applications can also be done through the issuing bank’s marketing staff or staff. This method is better than coming directly to the bank because without a queue. It’s just that you need to contact one of the trusted credit card marketing.
Submit a photocopy of KTP, NPWP, and salary slip. Watch out, don’t get in the wrong contact with a fake credit card marketing. Your personal data might be misused or sold. Submitting a credit card through marketing must also complete the credit card application form completely.
If you’re lucky, you don’t need to bother sending the required documents to the marketing. Because marketing will come directly to your office or home to retrieve your credit card application documents.
Don’t want to bother? Just send it via email. Previously, download or download the credit card application form online. Usually on the issuing bank’s website. Then attach the required forms and documents to the online credit card application email.
Practical is not it? All you need to remember behind its simplicity, the process of submitting a credit card via email can take a long time because your application may not be immediately responded to by the officer.
Want to try something easier, submit a credit card online. Currently, the issuing bank has ventured into online channels to answer customer needs, including millennial generation. Online credit card applications can be made on the issuing bank’s website.
Usually, on the official website, you can see and compare several credit card products issued by banks. Then if interested, there is access to apply or submit online. Just click, then the credit card application form will come out. Fill in completely and correctly, then send.
Don’t forget to attach the necessary requirements. In the case of applying for an online credit card, it means that you have to move your KTP, NPWP, and salary slip documents from hardcopy to softcopy by scanning or taking photos. Then upload when submitting online.
Make sure in applying for an online credit card, you access the official bank’s website or website. Not the bully to avoid fraud.
One more way to apply for a credit card that is popular now is through financial technology companies or fintech. Usually, fintech cooperates with several credit card issuing banks in offering their products.
So on the fintech application or website, you can see and compare a number of credit card products issued by several banks. So it is not only the output of one bank. That way, you can choose which credit card product that suits your needs and financial capabilities.
One of them at Good Credit. Financial product marketplace that offers credit card products from a number of issuing banks. Just search, choose according to your needs and submit online submissions via the Good Credit website. Then your application will be processed immediately by the clerk in a short time.
Submit a Credit Card at the Right Time
Submitting a credit card should be done at the right time. Ie, when your finances are ready by having a permanent job, often transactions in the form of cashless or non-cash, often travel abroad.
Most importantly, apply for a credit card when your finances are stable or not being entangled in a pile of debt. Have a credit card must be ready with a debt bill. Now if your debt is more than 30% of a month’s salary, having a credit card will only add to your financial burden.