REGISTERING FOR A CREDIT CARD ONLINE IS EASIER THAN EVER

What is a credit card?

A credit card is defined as a type of card used to make transactions at card-accepting establishments such as supermarkets, convenience stores, and e-commerce sites, replacing cash payment methods. Additionally, some credit cards can be used to withdraw cash at ATMs or transaction points.

Credit cards are usually linked to a credit account, allowing users to temporarily borrow money from the bank for a certain period. When paying with a credit card, the bank will advance the money to the seller, and the cardholder will later repay the bank for the transaction. Another convenience of credit cards is allowing customers to pay part or "gradually pay" the amount due in the account.

Benefits of Opening an Online Credit Card

Opening an online credit card always comes with attractive offers. Users can consider the benefits of each card type to make the best choice. Below are some common offers you might receive when opening an online credit card:

1. Annual fee waiver: Promotional programs often offer an annual fee waiver for the first year of using the credit card.
2. 0% interest rate or low-interest rate offers: Banks often provide promotional programs with a 0% or low-interest rate for a certain period for specific transactions (such as shopping, transferring debt from another credit card). The FIRST credit card from Shinhan Finance offers a 0% annual fee rate.
3. Reward points or cashback: Many credit cards offer reward points or cash back for each transaction or a specific spending level. These points can be exchanged for gifts, vouchers, or used for discounts on subsequent transactions.
4. Offers at affiliated partners: There may be special offers when using credit cards at the bank's or credit institution's affiliated partners.
5. Insurance and support services: Some credit cards offer travel, shopping insurance, or other support services like emergency assistance, financial consulting, legal support...
6. Online registration and service use offers: If you use online banking services to manage your card, you might receive special offers such as online transaction fee waivers or other benefits.

Before opening a credit card, carefully read the terms and conditions along with any related costs to understand the offers and your commitments.

Conditions for Opening a Credit Card

Depending on each bank or credit institution with different service offerings, the conditions for opening a credit card may vary, but there are still some common minimum conditions typically applied when customers want to open a credit card.

• The minimum age requirement to open a credit card is usually from 18 to 21. For users under 18, parental or guardian approval may be required.
• Personal income is a mandatory point that banks or credit institutions may require you to provide information about monthly income or financial information to ensure you could pay off debts.
• A positive credit profile will make it easier to open a credit card. However, if you do not have a credit profile, you may be considered based on other financial information.
• Household registration or ID card to verify identity, so you will need to provide information from your citizen identification or household registration along with address confirmation documents.
• Specific conditions from banks or credit institutions: In addition to the common conditions, each bank or credit institution may have different requirements. This may include current debt levels, transaction history, credit score...

Before applying for a credit card, you should check the specific requirements from the bank or credit institution you want to apply to ensure you meet the necessary conditions.

Opening THE FIRST Credit Card from Shinhan Finance

The conditions for opening a Shinhan Finance credit card are quite easy, and the registration process is simple. If you intend to open a card, consider consulting THE FIRST credit card from Shinhan Finance.

Conditions for opening credit card THE FIRST

• Age from 21 to 55 for women, from 21 to 58 for men
• Currently living and working in an area supported by Shinhan Finance.
• Monthly income from 6 million VND from salaried work.

Documentation requirement

• Documents proving residential address, such as ID card, household registration...
• Documents proving income source, such as labor contract, salary statement, bank statement for the last 3 months…

It's clear that the conditions and procedural requirements to complete the paperwork at Shinhan Finance are quite simple. You can register today for the earliest support.

Benefits of Opening an Online Credit Card THE FIRST from Shinhan Finance

As one of the credit cards trusted by many customers, THE FIRST card from Shinhan Finance will be an optimal choice for you with outstanding benefits.

• You can shop in advance and pay later. The payment period is up to 45 days without interest.
• You can withdraw cash up to 100% of the credit card limit.
• The card has a reward point accumulation feature worth 0.5% of the transaction amount.
• Online transactions are quick and secure with Mastercard 3D Secure.
• Using Shinhan Finance's credit card, customers also receive many attractive offers at partners linked with this unit through the Shinhan Zone.
• Whether shopping or withdrawing cash with The First credit card is easy to perform, not time-consuming. This is considered a significant advantage of Shinhan Finance's credit card, while other banks' credit cards are very difficult to withdraw cash, or if possible, the interest is also very high.
• Manage the card through the iShinhan app, so customers can easily monitor and manipulate all transactions on the phone.
• Customers can pay in many different forms. At the same time, only need to pay from 2% or more from the statement balance each month.

Opening an online credit card is not only simple but also brings many benefits for managing your personal finances. Consider and choose a suitable product for the best experience!

Credit cards are widely used not only for their convenient functions in payments and shopping but also using a credit card responsibly and paying off debts on time can help you build a positive credit profile. However, remember that poor credit card management can lead to debt and affect your credit score.