How to Make a Credit Card in Various Banks, also Know the Requirements!

Kapanlagi.com - Various advantages offered by banks make some people tempted and want to know how to make a credit card to facilitate transactions. However, sometimes people forget or do not understand that a credit card is not just about convenience. Credit cards are loan instruments with certain amounts and periods.

That means, before finding out how to make a credit card, it would be better if you also learn about the basic concept. Using a credit card is the same as when you are in debt. Therefore, you need to determine the appropriate type according to your needs.

You also need to ensure a secure financial history before applying. If you are already sure, just go ahead and read the explanation about how to make a credit card in various banks below.

1. Requirements for Making Credit Cards

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Each bank usually has different requirements. However, in general, the requirements for making a credit card need to complete the following documents. You need to complete them before applying for a credit card.

- Photocopy of ID card

- Minimum age of 21 years

- Minimum net income of Rp 3 million per month

- Photocopy of salary slip

- Photocopy of NPWP

- Photocopy of the last 3 months' bank book

- If you already have a credit card, attach the last 3 months' credit card bills

2. How to Make a Credit Card

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After fulfilling the requirements at the bank, please follow the steps below to make a credit card.

1. Credit Card Application

- Go to the bank's office as the process is done in person.

- Bring all the required documents to be checked by the customer service.

- Fill out the credit card application form available at the bank.

- Make sure that the data is correct and complete for a successful application.

2. Bank Survey

- Prepare yourself to be surveyed by the bank.

- The survey is conducted on credit records, residence, and workplace.

- The survey is carried out to ensure that you are eligible to receive a credit card.

3. Credit Application Process

- If the survey results indicate that you are eligible to receive a credit card, the application process will continue.

- The bank will contact you through the phone number listed on the form.

- Conversely, if you do not meet the criteria, the application process will be canceled.

4. Credit Card Activation

- After the application is accepted, the card will be sent to your home address.

- Activate it immediately so that the card can be used.

- You can activate it independently online or by visiting the bank's office where you applied.

- You can perform self-activation by accessing the official website of the bank where you applied.

- Next, fill out the data verification form and select the PIN activation menu.

- Enter the six-digit "Authentication Code" sent via SMS.

- Click "Process" and wait until you receive an SMS notification.

- Done.

3. Various Banks for Making Credit Cards

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After you have learned the procedure for making a credit card as explained above, it is time to choose a bank for application. Here is information about several banks that you can choose as a place for application.

Indeed, there are many banks that issue credit cards for their customers. This is certainly a way to facilitate every transaction. What kind of convenience is offered? Just read the following explanation to find out.

1. Bank Central Asia (BCA)

It is important for you to know that Bank BCA has collaborated with the largest credit card network in the world, namely Visa and Mastercard. BCA itself has 17 different types of credit cards based on limits and functions. The ease and benefits offered by Bank BCA for its users include:

- Low interest rates.

- Very extensive service network.

- Various attractive promotions such as cashback programs.

2. Bank Mandiri

Bank Mandiri has around 15 types of credit cards that are differentiated based on limits, functions, and networks. The way to make a credit card is also much sought after because this Bank offers various conveniences, such as:

- 0% interest rate.

- Low income requirements.

- Accident insurance.

- Having e-billing and power bills systems.

- Offering many discounts at various retail companies partnering with them.

3. Bank BRI

Currently, BRI has issued at least eight types of cards that are differentiated based on usage needs. BRI also has several advantages offered, including:

- Free fees without conditions for BRI Visa Touch Silver and BRI Visa Touch Gold users.

- Low interest rates.

- Many attractive promotional offers at various merchant partners.

- Executive airport lounge facilities for BRI Gold credit card users.

4. Maybank Indonesia

Maybank has 10 types of credit cards to support the transaction needs of customers. If you get this credit card, there are several advantages offered, including:

- Executive airport lounge facilities.

- Travel insurance.

- Reward points for all types of transactions.

- Available Maybank Visa Corporate credit card options to facilitate monitoring of company financial transactions.

5. Bank Mega

Bank Mega is also not left behind in issuing credit cards to support its customers' transactions. There are eight choices of credit card types that are differentiated based on their limits and functions. The process of making a credit card can also be done at Bank Mega and you also have the opportunity to get several benefits, such as the following.

- Many discounts at various retail companies, entertainment venues, and famous brands.

- Low interest rates and 0% installments.

- Executive airport lounge facilities.

- Travel accident insurance.

- Emergency medical insurance.

Well, KLovers, that's how to make a credit card in various banks in general, along with the requirements that you need to prepare before submitting an application. Don't forget to pay attention to the basic concept of a credit card so that you can determine the type of card according to your needs.

(kpl/gen/ans)