The Home Credit card could be your strategic partner. Your routine expenditures will be more lucrative with this credit card. The following are the perks of the Home Credit card:
- No additional fees for bill payments. Zero fees when you pay bills for utilities, etc., using the My Home Credit App.
- Get a 5% discount when buying loads. It is also more convenient to pay bills and do shopping with QR using the My Home Credit App.
- Enjoy up to 45 days - interest-free. Apart from the 30-day billing period, there is a grace period of 15 days before the payment due date.
- Manage your card with a single tap in the My Home Credit app. You can check your balances and transactions in real-time, connect with the Home Credit help centre, pay bills and even buy loads.
How to issue a Home Credit card?
Below are the steps to take in order to get the Home Credit card:
Existing Home Credit customers will be contacted through telesales professionals when they are eligible for a Home Credit card. Customers can also get a text message, an email, or a push notification regarding their pre-qualification.
Once you are pre-qualified, select a Home Credit associate store near you using the shop locator on the Home Credit website.
To progress with your credit card application, go to your chosen partner store and display your offer ID to their salesperson.
Follow all the directives the salesperson will give to complete your application.
Requirements for Home Credit card
The following are the eligibility conditions for the Home Credit card:
- If you are an existing or prior Home Credit client, they will tell you if you are qualified for a Home Credit card through SMS, call, email, or the My Home Credit app.
- If you acquire a Home Credit commodities loan, you can also get a Home Credit card. However, applications are subject to approval.
- One valid government-issued ID.
- One ID card with your address.
Pros and cons of the Home Credit card
Below are the pros and cons of the Home Credit card:
Pros
- The card is always protected. If you misplace it, you do not have to worry about unauthorized transactions.
- The card comes with some promos and offers.
- There are no additional fees if you use the card to pay your bills.
Cons
- The interest rate isn’t precise, which means you must enrol for and get the credit card before knowing your interest rate.
- There is no online application.
How to repay your Home Credit card?
You can pay with your Home Credit card's 10-digit account number, which is located just below your name. You must make checking your app a habit in order to track your transactions and control your costs. Also, maintain a copy of your authorized signatory in case you have to report a lost payment.