How to Make a Credit Card at All Banks, Without a Salary Slip!

Credit Card

To make financial transactions easier, many people are interested in knowing how to make a credit card. In this increasingly sophisticated digital era, financial transactions and payments are easier to do. One of them is the presence of a credit card that can be used to pay various bills, both offline and online though. With the convenience that this magic card offers, it’s no wonder that many people are interested in having one. Interested in making a credit card? First, consider some important information regarding the following credit cards:

Choice of Credit Card Issuing Bank

Currently, there are many banks that issue credit cards to facilitate customer transactions. How to make a credit card at these banks is actually not complicated. It’s just that there are some requirements set by each bank. Before discussing the requirements for making a credit card, here are some choices of credit card issuing banks that you can choose:

The first choice of credit card issuing banks is Bank Central Asia (BCA). Bank BCA cooperates with the largest credit card networks in the world, namely Visa and Mastercard. Currently, BCA has issued more than 17 types of credit cards, which are differentiated based on their limits and functions. So if you want to know how to make a BCA credit card, first select the type you want.

As one of the largest banks, the BCA credit card offers many advantages for its users. Some of these benefits include low-interest rates, a very wide service network, as well as various attractive promos such as the cashback program. With the various advantages offered, it is not surprising that BCA credit cards are the choice of many people when they want to choose how to make a credit card.

As one of the largest banks with the largest number of customers in Indonesia, Bank Mandiri also issues credit cards for the convenience of its customers. There are at least 15 types of credit cards that have been issued which are differentiated based on limits, functions, and also credit card networks (Visa and Mastercard).

In addition to offering an easy way to make a credit card, there are many benefits offered to Mandiri credit card users, such as 0% interest, small income requirements, accident insurance, e-billing systems, and power bills as well as offering many discounts at various retail companies that offer credit cards. cooperate.

BRI Bank

The official bank owned by the Indonesian government, BRI, is also not behind in issuing options for how to make credit cards for its customers. The largest state-owned bank in Indonesia has the widest range of services spread throughout the country. Currently, Bank BRI has issued 8 types of cards that are tailored to the needs of its users.

By making a BRI credit card, there are many advantages offered by the bank. Some of them such as:

  • No unconditional fees for BRI Visa Touch Silver and BRI Visa Touch Gold users.
  • Light flowers.
  • Many attractive promos offer at various collaborating merchants.
  • Executive airport lounge facilities for BRI Gold credit card users.
  1. Maybank Indonesia

Maybank Indonesia has issued 10 types of credit cards to support the needs of the community. In addition to offering terms and easy ways to make a credit card, Maybank also offers many benefits for its credit card users. Anything?

  • Executive airport lounge facilities
  • Travel insurance
  • Reward points for all types of transactions
  • There is a choice of Maybank Visa Corporate credit cards to make it easier to monitor company financial transactions

CIMB Niaga

CIMB Niaga is a private bank that also offers a way to make credit cards for its customers. To date, CIMB Niaga has issued 13 types of credit cards, which are differentiated based on their limits and functions. In addition to offering many choices, the CIMB Niaga credit card also offers various benefits such as:

  • E-statement facility for easy checking of credit card usage data
  • Insurance and free entry to the airport executive lounge
  • Easy to pay a monthly bill with the QuickPay program
  • Autopay facility to determine the amount of credit card payments each month
  • Free annual fees forever for CIMB Niaga Mastercard Syariah Gold users and free two-year fees for CIMB Niaga Classic
  1. Mega Bank

Bank Mega is one of Indonesia’s private banks that also issues credit cards. The cooperation that Bank Mega has with many companies and retailers, makes Bank Mega credit cardholders will have many advantages. There are 8 options if you are interested in knowing how to make a credit card that is differentiated by limits and functions. Some of the benefits offered by Bank Mega credit cards include:

  • Many discounts at various retail companies, entertainment venues, and also famous brands
  • Low interest and 0% installments
  • Executive airport lounge facilities
  • Travel accident insurance
  • Emergency medical insurance
  1. Citibank

Citibank is one of the largest banks in the world as well as a pioneer of credit cards in Indonesia. Citibank has provided 8 types of credit cards that you can choose if you are interested in having one. In addition to the easy process of making a credit card, Citibank credit cards also offer many advantages such as:

  • There is a credit card PIN so it’s more secure
  • Offers the EazyPay program to convert shopping into fixed installments
  • Discounted prices for extra Garuda Indonesia baggage
  • Executive airport lounge facilities
  • Cashback and points for every transaction

How to Make a Credit Card in All Banks

Photo source: kenchiro168 via Shutterstock

The process of making or issuing a credit card is actually not difficult. Customers can apply for credit card issuance by coming directly to the desired bank. For more details on how to make this credit card, here are the steps:

Choose the appropriate bank and card type

The first step if you want to make a credit card is to choose the issuing bank and the type of card that suits your needs. Currently, almost all state and private banks have issued credit cards for their customers. Each bank also offers different types of credit cards based on their limits and functions. Make sure to choose the type of credit card that suits your needs and financial capabilities. Before choosing, pay attention to the benefits offered by this type of credit card.

Complete the Requirements

After selecting the issuing bank and the type of credit card you want, complete the requirements. How to make a BNI credit card and other banks have different requirements. However, in general, the requirements for applying for a credit card for each bank are as follows:

  • Photocopy of ID card
  • Minimum age 21 years
  • Minimum net income of IDR 3 million per month
  • Copy of salary slip
  • Copy of TIN
  • Photocopy of savings book for the last 3 months
  • If you already have a credit card, attach a credit card bill for the last 3 months

Fill in the form provided

How to make a credit card is done directly at the desired bank office. To make it, bring all the required documents to the customer service of the bank you choose. After that, the bank will check the required documents. If it is appropriate, fill in the credit card application form provided. Make sure you fill in all correct and complete data so that the submission process can be successful.

Prepare To Be Surveyed By The Bank

After the registration process, the credit card will not be issued immediately. However, there will be a survey first conducted by the bank to make sure you deserve the credit card. The survey was conducted on credit records, home, and workplace.

Wait for news from the bank for the credit card application process

After the survey stage by the bank, then the credit card application process will be processed again. If all the criteria considered by the bank have been met, the application process will continue. However, if there are criteria that do not match, then the application for how to make a credit card will be canceled. If the application is accepted, the bank will contact you via the telephone number listed on the registration form.

After the card is received, do the activation immediately

If the application is accepted, the credit card will then be sent to the applicant’s home address. After you receive the credit card, immediately activate it so that the credit card can be used. You can activate it yourself online or by coming directly to the bank office where the application is made.

Create a Unique Pin for Safer Credit Card Transactions

For transaction security, at the end of how to make an online credit card, you will be directed to create a PIN other than using the CVV number listed on the credit card. Currently, several banks have provided services for making credit card PINs online. The trick is to access the official website of the credit card issuing bank then fill in the data verification form and select the PIN activation menu. Enter the 6-digit “authentication code” sent via SMS then press process and enter the 6-digit PIN you want. Press “process” and wait for SMS notification to be sent.

How to Make a Credit Card Without a Salary Slip (Non-Employee)

Making a credit card can not only be done by employees who have a payslip. However, non-employees can also apply for credit card issuance. Some banks provide this option but with more requirements than employee applicants. Well, for those of you who are non-employees but want to have a credit card, here’s how to make a credit card without a payslip that you can try.

Create a Credit Card With Guarantee

If you don’t have a payslip, choose a type of credit card that uses collateral. This method is a little inconvenient but this method can be tried. The safest guarantee for applying for a credit card is a deposit. But make sure the deposit is in the same bank as the credit card application.

Do it at the bank where you save

The second way to make a credit card without a payslip is to apply at the bank where you save. The process of applying for a credit card without a payslip at the bank where you save will be easier because the bank can conclude your financial health status through the cash flow in the passbook. If your savings cash flow is good and your financial health is also safe, then applying for a credit card can run smoothly and quickly.

Make a Credit Card Application Through a Financial Institution

Applying for a credit card through a financial institution can be a solution for those of you who are often rejected by banks because they don’t have a payslip and several other requirements. The bank will usually be easier to pass a credit card application if it comes from an institution rather than an individual. By making a credit card through a financial institution, you don’t need to deal with the bank. Simply submit an application to a financial institution, then the financial institution will help take care of submitting your credit card to the bank.

Apply for a credit card in your hometown

Applying for credit card issuance without a payslip will be easier to be granted if it is done in the city of origin or the address according to the identity card. Submissions in the city of origin will make it easier for the bank to conduct surveys so that the chances of being acceded will also be greater. A permanent residence in the city of origin will be a guarantee for the bank to grant the method of making a BCA credit card without a payslip or other banks.

By aamritri

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