Apply For Credit Card - Best Plan and Guide v1.0 APK (Неограниченные деньги)

How to Apply for Credit Card Online?
If you are planning to apply for credit card online, it is pretty easier to apply for them online after making a credit card comparison from various credit cards websites.

Here are the steps that you require for an online credit card application:

Visit your bank's website whcich credit card you want to apply and click on credit card apply online option.
Fill out the application form which contains your personal details such as name, date of birth, address, contact number, pan card number, etc.
After that, you will get a call from a credit card representative of the bank, who will guide you through the entire process of credit card application.
Once your credit card is approved, a representative from the bank will come to your house and collect the required documents.
Apart from applying for a credit card application online, you can also have the option to choose your card offline.
You can visit the bank directly to apply for a credit card. Also, you will be required to provide important documents such as identity proof, pan card and address proof to the bank. Once the documentation is done, it will take not more than 7-10 days to get the card delivered to the mentioned address.

Credit Card Eligibility
Credit Card Eligibility varies based on the internal credit policies of the bank and the purpose for which the card is availed. Some of the basic eligibility parameters include:

Applicant's age should be at least 18 years.
Applicant must have a regular source of income either through salary, self-employment or own business
Applicant must have a savings account in his/ her name with any bank
A new applicant must have a good Credit Score or CIBIL Score
Banks decide the amount of your credit card limit based upon your monthly salary, company your work for, as well as the existing relationship of the borrower with the bank.
Banks may also decide to offer zero annual fees and renewal fees credit cards free to the customers in high-income category and a steady credit card usage track-record.
Some banks may also start by offering low limit credit cards and decide to increase the same, once they see a consistent and disciplined track record depending upon their usage.

Credit Card Interest Rates
The entire unpaid balance on your credit card's bill is chargeable on the basis of applicable credit card interest rate. Along with the outstanding balance in credit card, any new spending on the card will also be subject to interest, until the entire balance has been paid off. You should always compare credit card offers along with interest rates of various banks to choose the best one with a lower interest rate.

Interest rates for credit cards are based on yearly rates. This is also known as the annual percentage rate (APR). Unlike interest rate, which refers only to the interest charged on a debt, APR is the combination of the interest rate and any other costs or fees involved in procuring the loan. This includes any additional costs associated with the transaction.APR on an online credit card can vary between 24-36%. Defaulting or delaying your bill payments can lead to a late penalty on your accumulated debt thus ruining your credit score.