a credit card is a type of credit card, with the help of which any goods can be purchased in installments, online, air ticket book, rail ticket book. , Payment of electricity bill and bill payment is done using this card at places like hotels, restaurants, petrol pumps etc. At present, banks offer credit cards to customers with attractive reward points, cashback, discounts, offers, etc. If you have not yet made a credit card, are thinking of getting a credit card, then you must read the whole article, in this article, how to make a credit card and what is needed to make a credit card and the terms and conditions of a credit card.
Credit Card Terms and Conditions
The terms and conditions for making a credit card are as follows:-
The applicant must be an Indian citizen.
The age of the applicant should be between 21 years to 60 years.
Credit cards are made available only to those who are employed and self-employed.
The applicant should have things like Aadhaar, PAN, driving license, salary slip etc.
The applicant should not have any excessive outstanding loan.
The applicant should have address certificate, good civil score and check should not be bounced.
Documents required for making a credit card
- PAN Card
- Identity proof
- Residence Certificate
- Passport size photo
- Salary Slip, Bank Statement
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How is a Credit Card Made?
If a person has all the documents, he can apply for a credit card in the following ways:-
Offline – While going to the bank and talking to the bank employee, after knowing in detail about the benefits available on all the credit cards and after choosing the right card as per your choice, taking the credit card form from the bank employee and filling the correct information and necessary documents. It has to be deposited with the bank employee. If all the documents of the credit card applicant pass the terms and conditions of the bank, then their credit card is made and sent to their home address through post. Nowadays, a credit card can be made by talking to a credit card seller or a credit card representative.
Online – At present, all the banks are giving the facility of online credit card to the customers, that is, by visiting the official website of the bank, a credit card can be made by applying with the necessary documents. There are also some such app companies, through which credit cards are being offered, credit cards can also be made with the help of those app companies.