Credit card application is relatively easy. Customers can apply for a credit card by visiting the bank or via online.
Prior to applying for a credit card, customers may also consider the various features and benefits that come with a particular card. Here are some steps to apply for a credit card.
1. Identify Which Type of Card
Each bank generally offers a type of credit card that can be distinguished by its function, benefits, and limits. Make sure to choose the type of card that suits your financial capabilities and needs. To learn more about the type of BCA credit cards, click here.
2. Meet the Requirements
In general, here are some requirements for credit card application:
- At least 21 years old
- A copy of KTP
- Have a minimum nett income of Rp3 million/month
- A copy of NPWP
- A copy of payslip
- A copy of passbook statement for the last 3 months
If you already own a credit card, you will be asked to provide your credit card statement for the last 3 months.
3. Fill Out the Form
Next step is to produce all the required documents and hand them over to the bank’s customer service officer. After that, the bank will check the documents you provided. If qualified, you will be asked to fill out a form for a credit card application.
Besides applying through the branches, BCA credit card application can also be done online through this form.
4. Prepare Yourself for Verification by the Bank
The bank will ensure that the customer is eligible for the credit card he/she is applying for. This is where the bank performs a verification process. These surveys will generally look at credit records, workplaces, and homes.
5. Wait for the Update
If the verification process is completed, the application will be processed. If all criteria are met, the process will continue to the next stage. However, credit card applications may be cancelled if the criteria are not met.
6. Activate the Card
If the application is approved, the physical credit card will be sent to the address of the applicant. Once it’s received, it is recommended to activate the card immediately so that the credit card can be used. Activation can be done alone via online or by going directly to the bank at which you apply for the credit card.
BCA credit card activation can be done via BCA mobile, Halo BCA at 1500888 or SMS. For further information about BCA credit card activation, please see here.
7. Create a PIN
To ensure secure transactions, cardholders are required to create a new PIN as an authentication process when conducting transactions. Some banks currently also provide services to create PIN online.
To activate BCA credit card PIN, you can use BCA mobile, BCA website, ATM BCA or myBCA app. For further information about BCA credit card PIN activation, please see here.
Those are the steps to apply for a credit card. Easy, isn’t it? Go get yours now. Moreover, there are various BCA Credit Card promos that you don’t want to miss out on. Get cashback up to 1 million for online credit card application until 31 December 2023.