Apply for bank credit card (online): expiration, duration & conditions
Here you will be shown how to apply for a credit card from the Agree bank. You will also receive information about the conditions, the exact procedure and the duration of the application.
What are the conditions for a Agree bank credit card?
A current account with the Agree bank is required for the basic credit card; the other two credit cards are already included in a current account with the Agree bank. However, it is not absolutely necessary for them to maintain a current account with the specific Agree bank, although this is of course generally recommended.
From a legal point of view, the applicant must be fully legally competent and responsible, have reached the age of 18 and have his main place of residence in Germany. In general, all charge credit cards for which the amount due is collected and then deducted from the connected checking account once a month are always linked to an adequate credit rating, which the applicant has to fulfill, among other things, by receiving regular payments.
Step by step: Credit card application at the Agree bank
The Agree bank are an association of various regional cooperative banks. As a result, the credit card must be requested from the respective regional partner, as would also be the case with the savings banks, for example. A general application on the main page of the Agree bank is not possible. Here, interested parties must first determine which Agree bank operates in their own region. It is also not possible to apply online if you do not have access to the online banking of a Agree bank checking account. In this case, all that remains is for those interested to make an inquiry to the relevant Agree bank.
Personal information must be stored in the credit card application , and a decision must be made between Mastercard or Visa. The next step is to choose whether it is a main or an additional card and which motif this credit card should have. There are always several (usually four) motifs on offer. When making an inquiry, a way to contact us must now be stored, either a telephone number or a valid email address.
When applying for the Agree bank online banking, interested parties can submit the credit card application directly online, and personal contact by employees is then no longer necessary. In addition to the information just mentioned, information about the regular incoming payments must also be made here, and the identity must be confirmed via an ID document. Among other things, the Postident procedure is offered for this purpose. All necessary ticks in the course of this application must be set. Among other things, this involves agreeing to the terms and conditions, truthful statements and obtaining Credit bureau.As a third option, it is also possible to apply for the credit card directly at a Agree bank branch. Applicants should bring an ID document with them so that the entire process can be carried out directly on the first visit with an employee.
Details on requirements and required documents
Charge credit cards are linked to sufficient personal creditworthiness . Applicants must be tax eligible and of legal age. As a rule, documents on creditworthiness do not have to be submitted, but if so, the bank will ask the applicant to provide three proof of salary.
The information from Credit bureau does not have to be obtained independently. All that is required here is approval, and the bank will then collect this information itself if necessary. Submitted contracts must be signed and submitted or sent in. Proof of place of residence and identity can be provided, for example, on the identity card.
Delivery and use of the credit card
The information submitted is checked on the one hand by the regional Agree bank and, on the other hand, by the credit card company, i.e. either Visa or Mastercard. This review usually takes about two weeks. Only after a successful verification will the credit card be sent by post and sent to the applicant in an envelope. As a result, you can expect to receive your credit card in about two to three weeks.
As soon as a credit card has been received, it can be used online and offline at all acceptance points – both in Germany and around the world. The letter includes all requested credit cards and a PIN. As a rule, this PIN is only required for cash withdrawals; the three-digit security code or a signature is sufficient when paying. Documentation takes place via online banking with the usual access data. If there is no access yet, the information on this is provided in a separate document.