155860
What is a Credit Card?
What is a Credit Card?
A credit card is a form of credit used to purchase goods and services instead of cash. The service provider will instead issue something called “credit”, most of which are in the form of a hard card. that use Users can swipe to buy goods and services first. Then the service provider will charge according to the amount spent afterwards. Payments can be made in full and in installments that charge interest at a predetermined rate. up to 18% per year
Credit providers will be banks and financial institutions. by making agreements with various department stores to receive credit for customers to swipe to buy items and then convert them into currency later
Credit cards are one of the most popular and competitive loans in Thailand. Service providers have different campaigns. Promotion with many different department stores to attract customers to use credit cards. Whether it’s collecting points for redeeming items, reducing interest, 0% credit card installments, etc.
About credit card
One bank has a variety of credit card promotions to meet all customer groups. Each card has different privileges and spending limit. It’s important to compare credit cards. So you can get the credit card that best matches your lifestyle and financial plan.
issuing bank
Choose a bank, a leading financial institution Usually offers better privileges such as Citibank, or UOB.
Card type
Choose a card network such as VISA, MasterCard, UnionPay, JCB, etc.
Card applicant information
Prepare personal information of credit card applicants, name, surname, date of birth, occupation, past income slips.
Find a card
Find the right card for your use.
Apply for a credit card What do you prepare?
In general, the criteria for considering the approval of each bank’s credit card limit The financial institution is based on the salary of the loan applicant. as well as assess the ability to repay the debt of the loan applicant Therefore, it is important to prepare documents to show your identity and financial status.
When you to apply for a credit card through Documents that should be prepared as follows:
- Copy of ID card
Financial institutions need to know the card applicant’s information. to verify their presence and provide evidence in case problems arise
- Past salary slip
base salary display Consistency in the source of income makes banks and financial institutions confident that the card applicant has the ability to pay off the debt.
- Copy of deposit account (statement)
to be consistent with the source of income Therefore, evidence showing the entry and exit route of real income Most service banks will ask for a statement of the past 3-6 months to see the consistency of the financial path.
- Other documents
We should prepare other documents such as salary certificates. Copy of the front page of the passbook or a copy of the house registration These may not be as important as the documents mentioned above. But prepared, it was not damaged. for the bank’s request
