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How To Make An African Bank Credit Card Application

    Having a credit card can be an important solution for many possible financial problems. With it, you can finance an important purchase you would not be able to afford otherwise, for instance, or you can pay off an unexpected emergency expense. That’s why it may be important to know how to make an African Bank credit card application.

    In this article we offer information about what requisites you need to fulfill and what documents you must produce to make your application. We also show the options available to you to start your application, how to get your card if the application is approved and more.

    Keep reading and discover more about how to make an African Bank credit card application!

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    What Do You Need To Apply

    To make your credit card application at African Bank, you must be at least 18 years old or above. There are a few documents you must be able to produce to start the process as well. These are:

    • An original valid South African Identification document or Smart Book;
    • Your most recent salary slip or proof of income if you are self-employed;
    • Your African Bank account statements for the last 3 consecutive months.

    Keep in mind the application’s approval is subject to a credit check. It is advisable to have a healthy credit score before attempting to apply for a credit card at African Bank.

    There is a monthly service fee of R50 to keep use of your card, as well as a R120 one-time, upfront initiation fee if your application is approved.

    How To Apply For A Credit Card At African Bank

    There are many ways to make your credit card application at African Bank. The usual way is to go to the nearest branch and ask an attendant to assist with the procedure. You must have your documentation with you in order to be able to start the application.

    If you wish to save time and start your application from your home, you can do it using the bank’s internet banking service on your computer or smartphone. You will need to log into your profile, which means you must have been previously registered for Internet Banking.

    You can also apply for a credit card remotely via the African Bank App for smartphones. The application can be downloaded from your app store, and you must register to use it before you can apply for the card.

    Another option is to apply by phone. You can do so by reaching the bank’s call center on 0860 333 004 and asking for an attendant’s assistance with the procedure.

    After your application is approved there is no waiting period for your card to be issued. All you need to do is go to your nearest African Bank branch to receive the card. You can then use it to make purchases and other transactions as soon as it is activated.

    You can activate your card at any African Bank branch, even immediately after receiving it. You can also do the activation through the bank’s internet banking service or using the African Bank smartphone app. When your card is activated, you will receive an SMS message notifying you the procedure is done and you can start using your card.

    Now that you know more about how to make a credit card application at African Bank, continue reading our blog and keep up with useful tips like this!

    Frequently Asked Questions

    Can I Withdraw Cash From My African Bank Credit Card?

    Yes, you can use your African Bank credit card to make withdrawals at all ATMs and merchants who accept Visa cards. It is advisable to consult the rules and applicable fees on your credit card contract before making withdrawals. The amount withdrawn will also count against your monthly credit limit.

    How Many Times Can I Pay A Credit Card/ Month?

    You can make payments towards your credit card bill as many times as you want, and each time the value paid may be different. This might be an interesting strategy to work towards financial balance and a healthier score credit, so long as you pay the minimum amount on your bill’s due date and pay the full balance owed by the end of the month.

    What Happens If I Overpay My Credit Card Balance?

    Any amount you overpay on your credit card bill will be shown as a negative balance on your account. The negative balance will count as payment towards your next bill, which means the amount will be discounted from the balance owed for the following month.