Getting a credit card can come with a number of benefits. Not only can you make purchases without cash, but you also get to buy big-ticket items and pay them off in small amounts monthly. The good news is that these days you can complete a credit card application online and find out immediately whether you qualify or not.

All you need is access to a computer, a secure internet connection and your personal details.

Most credit card providers have options for a credit card application online. By simply visiting the website of the provider of your choice and providing your details, you may get access to the best credit card to suit your needs.

What are the advantages of having a credit card?

  • You get rewards
  • You have the ability to make purchases even without cash
  • You can pay for emergencies

What you need to complete a credit card application online:

  • Provide a valid South African ID
  • Provide proof of income
  • Be at least 18 years of age
  • Be a South African citizen or have a valid work permit

When you apply for a credit card, you need to be able to prove that you will be able to afford to make repayments. Before you apply you should also check your credit score. If your credit score is low, chances are that your application will be denied. If you notice that your online applications have been declined, stop applying. Each application affects your credit rating.

After completing a credit card application online you’ll be informed of your approval or denial. If you are approved, the financial institution will arrange for you to get the card. It may be delivered to you or you can choose to collect it directly from the institution concerned.

Keep in mind that when you use your credit card, you’re effectively borrowing money, so you need to make sure that you repay the amount you owe diligently.