A credit card is an important facility that people need to have at all times as it allows them to escape the complications brought about with unforeseen finance requirements.
About – Standard Bank
In an economy which many people fail to get sufficient income to meet their daily requirements, credit cards can play an important role, and they outplay quick loans, payday loans and other short-term loans.
The Standard bank brings you a wide range of credit cards for your various requirements allowing you to live life the way you deserve.
Our credit cards come to fill the gap created by varying financial needs that the people of South Africa come across in their daily activities.
ENHANCING FINANCIAL STRENGTH WITH STANDARD BANK CREDIT CARDS
Our people come across a lot of financial problems as they take on shopping or perform other transactions that may be needed. The Standard bank credit cards will allow holders to complete operations and access a large amount of credit, at the same time enhancing their holder’s financial strength.
With the Standard bank credit cards, nothing will catch you unprepared as you will be able to make transactions anywhere at any time.
Our cards will work for you on all cash points and shops in South Africa. In addition to having international acceptance, merely making sure that you are not limited to do anything because of money.
WHAT DOES THE STANDARD BANK CREDIT CARDS OFFER?
Standard bank credit cards are offered in four classes, that is the Platinum credit card, Gold credit card, Titanium credit card, World citizen credit card and Diners Club credit card. All the cards are embedded with MasterCard, meaning that our clients can access a world-class service everywhere.
Standard bank credit cards will give access to credit for people with as little income as R5 000 per month. The cardholders will get access to credit facilities that reach up to R500 000 depending on the holder’s credit score and the type of card used.
Standard bank credit cards are simply one of the best personal credit services in South Africa.
WHAT DOES THE STANDARD BANK CREDIT CARDS COST?
The bank brings credit services to the people of South Africa with some of the cheapest rates. Our cards will allow applicants to obtain credit services without paying for application fees.
In addition to that, users of Standard bank credit cards will enjoy making free transactions when they use their cards to swipe at various till and point of sale areas. The Standard bank credit cards come with varying service fees that are at all times below R255 per month.
Applicants who fail to meet the repayment grace period are levied with interest rates, that vary depending on the credit score. The amount which is owed and our rates vary within the maximum of 10% per year.
HOW LONG DOES IT TAKE TO OBTAIN STANDARD BANK CREDIT CARDS?
The Standard bank credit cards application will take a short exercise of applying before the credit team makes a relevant assessment.
The time that it takes for applicants to get credit cards also depend on how the applicants organise their documents and manage to fill the application forms accurately. The day of application will also determine how fast the application is attended, usually there is a low attendance on weekends.
Standard bank credit cards will take an average of three working days for the applicants to obtain them.
DOES STANDARD BANK CREDIT CARDS HAVE CLIENT PROTECTION?
The holders of Standard bank credit cards do have options of ensuring their credit card balances on other various reasons that are not covered by the standard client protection.
The Standard bank credit cards come with insurance that will cover your full balance on natural causes of default, that will include permanent disability, death and retrenchment of the cardholder.
This means when such unfortunate events happen, you and your family will not lose anything as your debts will be automatically set off.
To obtain our credit cards, prospective applicants should be employed, earning an income that is above R5 000 per month.
The income should be received through a bank account, in addition to that, applicants should be adults who are above 18 years at the same time holding a good credit record.
The applicants will be required to submit documents during the application, these documents include
- A South African Identity document.
- Three months stamped South African bank statement.
- Proof of income
- The applicant should be at least 18 yrs old
- Must be employed and have proof of income
HOW TO APPLY FOR STANDARD BANK CREDIT CARDS?
Applying for Standard bank credit cards takes a form of online paper-based application depending on the preferences of the applicant.
Online applications are done through the website whilst paper applications can be done at one of our branches that are all over South Africa. Applicants will need to have their documents with them when making applications as they are the primary requirements.
When applications are successful, applicants will be notified through a call, email or message and from there they can collect their cards at the relevant branch.