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How to apply for Credit Card

Credit card is just another important utility that makes life easy. I didn’t have to struggle much as I got the privilege of availing corporate provisions. There would often be a lot of agents right in front of my office, asking you to take the credit card of their bank, and make things so easy for you.

All they will look for is a

1.corporate identity card as a proof
2.a residence address
3.photograph.

Along with all this evidence they will ask you to sign the document and then the credit card will be there at your door in 5-10 working days.

Now this made my life easy, I really didn’t have to run after the bank to acquire a credit card, but hold on, don’t take it for granted. A word of caution –something that comes free and easy might not be very safe and reliable.

Prerequisites of applying a credit card

•The bank would look for the financial status and age in order to start with applying for credit card
Checks to be done before taking applying –

•Types of credit card offered by different banks -Gold card, Platinum card

•Types of offers-Life time validity, Interest rates, upper limit offered, fine/fees structure

•Make use of the utilities available on internet that helps you identify or filter the kind of credit that meets your requirement
If the available scheme suits your interest, apply for credit through –

•Call centre, mail, directly in the bank, or through reliable agents (e.g.: corporate agents)

•Apply the form; generally this should be accompanied with other credentials like corporate identity proof, residence proof (e.g.; telephone bill) and photo identity

Once the application is filled and submitted to the bank, it usually takes 10-20 working days before you receive the card upon approval or rejection. If approved it’s sent to your postal address by mail followed by another mail with PIN of the credit card. Using the credit card for the first time prompts you to change the PIN/password

A word of caution

It’s an individual’s responsibility to go through the clauses in the terms and conditions before signing in, something that is not clear should be asked and clarified, once you sign it; you are liable for your responsibilities. Besides, if using more than one credit card, please maintain a track on the usage limit, credit history etc in order to avoid exceeding the specified limit and have a healthy wealthy life ahead .

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