Are you wondering how to convert your debit card to a credit card? Through this article we will tell you whether you can make your debit card a credit card or not?
The main difference between a debit card and a credit card is that you can make payments with your debit card only when you have funds available in your savings account. Whereas through a credit card, you can make payments up to your credit limit even if funds are not available in your savings account and repay it later as per your convenience.
This question is often asked by people that how can a debit card be converted into a credit card ? So let us tell you that you cannot convert your debit card directly into credit card. If you want to get a credit card, you will have to apply for it separately from your bank. There is no such process by which you can convert your debit card into a credit card. You will have to apply separately for the credit card.
If you are a debit card holder of any bank, then you can apply for a credit card from that bank. For this you will have to apply by visiting the official website of your bank. You can also apply for this by visiting the nearest branch of the bank.
We have given you detailed information on how to apply for a credit card both online and offline below.
How To Convert Debit Card To Credit Card?
If you want to apply for a credit card through online mode, then first of all you have to go to the official website of the bank whose credit card you want to get.
After this you will have to go to the credit card section and select your favorite credit card and click on that credit card.
As soon as you click on that credit card, information about all the features and benefits of that credit card appears in front of you and you also see the option to apply there. You can apply for that credit card by clicking on the apply option.
As soon as you click on the option to apply, the application form related to that credit card opens in front of you. Now you have to fill this application form completely. In this application form, you are asked for your general information like name, address, date of birth etc.
After preparing the general information, you are also asked for some necessary documents which you will have to attach with your application form. After filling the application form completely and attaching the required documents, you can submit your credit card application form.
After submitting the application form, your application form is scrutinized by the bank and the bank contacts you through phone for further processing.
After completing the entire process, if the bank is satisfied that you qualify for a credit card, your credit card application is approved and your credit card is sent to your home address through post. goes.
How To Convert Offline Debit Card To Credit Card?
To apply for a credit card through offline mode, you have to visit the nearest branch of the bank from which you want to get the credit card.
You will have to go to the bank branch and get the application form related to the credit card, fill it completely and submit it to the bank along with the necessary documents.
After submitting the application form to the bank, your application form is scrutinized by the bank and if the bank is satisfied that you are eligible for a credit card then your application form is approved. Once the application form is approved, your credit card is sent to your home address.