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Steps For A Credit Card Application
Bringing in a world of new convenience and benefits to your wallet, credit card is a boon to many. Exciting reward points and discounts from a number of vendors to quick cash availability and offers are some of its various benefits. It also helps to withdraw cash from ATMs and can also provide you with a loan that can be paid through EMIs. In this age of digitalization, whatever maybe your lifestyle, it has become super easy to apply for a credit card. The types range from premium ones to the classic ones with various lending limits for anyone to apply for one. Use these simple steps and enter another level of cashless transactions.
Steps to Apply for a Credit Card
Banks have swift processes currently to apply for a card that can be either attained by visiting a particular branch or can be applied online. There are two different processes generally for application for existing as well as new customers. You can also check your eligibility to apply for one in the website.
1. Application process for new customers: Enter the official website of the bank of your choice and go to the section that says credit card apply ...
... Input your personal details such as name, address and other contact details in the page. Soon after the verification, a representative gets in touch with you to guide you through the process. Submit your KYC documents and income proof to get your card. The same process can be carried out by filling the form offline in the bank branch as well.
2. Application process for existing customers: Visit your nearest branch or go to the official website of the bank and click on the credit card apply online section. The process for most banks is to just enter the net banking ID and contact number to apply for one.
3. Documents required for application: The minimum documents required are identity proof (voter ID, driving license, bank statement or pension book), address proof (voter ID, driving license or passport), income proof (such as IT returns, pay slips or bank statements), pan card and passport size photos.
Some important things to know before applying for a credit card are the interest fees and charges. Usually the interest fees are not present till 50 days. However, that depends on the type of card and scheme. It is generally charged if withdrawing cash from ATMs or if the previous month’s due isn’t paid.
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