This article will guide you through applying for the KASUMI credit card online. You will learn the necessary steps to complete the application efficiently.
We'll cover everything from required documents to interest rates. By the end, you'll be ready to apply with confidence.
Overview of the Card (Origin)
This card was introduced to make everyday shopping more rewarding for customers. It was designed by a major retail brand to offer exclusive benefits and savings.
The card is widely accepted across the company’s stores and partner merchants. It allows shoppers to enjoy various discounts, rewards, and loyalty points.
The card also integrates with modern payment solutions, such as mobile apps. Quick approval and instant usage provide convenience to customers looking to save more on their purchases.
Understanding the Card
This card offers unique benefits tailored for frequent shoppers. It helps you save money and earn points with every purchase.
Features and Benefits of the Card
This section lists the most important features and benefits. These perks can help you save on purchases and earn points for future use.
- 5% off at the register every Wednesday and Friday (Happy Day)
- Available only for in-store purchases.
- Excludes Apple Pay, Scan & Go, or online delivery payments.
- Triple WAON POINT every Tuesday
- Earn three times the regular WAON POINT on all purchases.
- Auto charge feature
- Use the auto-charge feature to add electronic money (WAON) and earn more savings.
- WAON POINT twice the basic amount
- Every purchase earns double points compared to standard cards.
- Instant card use
- Receive card information and start using it in the app within 5 minutes of approval.
Eligibility Criteria for Applicants
This section outlines the basic requirements for applying for the card. You must meet these criteria to proceed with the application.
- Age requirement: Applicants must be at least 18 years old.
- Proof of income: You must provide proof of stable income, such as recent pay stubs or tax returns.
- Residency status: Must be a country resident with a valid address.
- Credit history: A good credit score is preferred for approval, though applicants with limited credit may still apply.
- Employment status: Full-time or part-time employment is typically required.
- Bank account: You need a valid bank account for payments and transactions.
- Identification: A government-issued ID such as a passport or driver's license is necessary for verification purposes.
Step-by-Step Online Application Tutorial
Here, we’ll guide you through the steps to apply for the card online. This simple process can be done quickly from your computer or phone.
Pre-Application Requirements
Before applying for the card, ensure you meet these pre-application requirements. This will help make the application process smooth.
- Valid ID: Have a government-issued ID ready for identity verification.
- Proof of income: Collect recent pay stubs or tax documents.
- Bank account details: You will need your bank account information for automatic payments.
Detailed Steps to Apply Online
Follow these steps to complete your card application online. Each step is simple.
- Visit the website: Go to the official card application page.
- Fill out personal details: Enter your name, address, and contact information.
- Provide proof of income: Upload necessary documents like pay stubs or tax forms.
- Submit the application: Once complete, apply and await approval.
What Documents Are Needed?
To complete your application, you will need certain documents. Having them ready will speed up the process.
- Government-issued ID: A passport or driver’s license is required.
- Proof of income: Recent pay stubs or tax returns.
- Bank account information: Have your bank account number and routing details ready for automatic payments.
Interest Rates and Fees
This section provides an overview of the card's interest rates and fees. Understanding these terms is essential before applying.
Explanation of Interest Rates
The card's loan interest rate ranges from 7.8% to 18.0% annually, depending on the amount borrowed. If a payment is delayed, a 20.0% annual rate applies as a penalty.
Within your available limit, you can borrow amounts from 1,000 yen to 3,000,000 yen. Withdrawals from Kasumi Bank ATMs can be made in 1,000 yen increments.
Other affiliated ATMs and online/telephone cashing options allow increments of 10,000 yen. The repayment period can extend to 57 months, with up to 57 repayments.
Additional Fees or Charges
Additional fees may include late payment penalties and ATM usage fees. Kasumi Bank ATMs are available at no charge for withdrawals in 1,000 yen increments.
However, affiliated ATMs or machines may have their usage fees. You should also know the 20.0% delay fee if a payment is missed.
Always review your account details to avoid unnecessary charges. These fees ensure you clearly understand the cost of borrowing.
Customer Support
The bank offers phone and online customer support options for inquiries or issues. You can also contact them for assistance during the application process.
Bank's Telephone Number and Address
If you have any inquiries, you can call 2895 6262 or +81-3-5283-6360. The bank’s address is 1-14-10 Uchikanda, Chiyoda-ku, Tokyo, Japan 101-0047.
Their customer service team can help with account issues or fee questions during business hours.
Having clear contact information helps you stay connected for support when needed.
Online Support Options
Online support is available through the bank’s website, offering 24/7 access to FAQs and account management.
You can submit online inquiries for more detailed questions. Additionally, the bank provides a live chat feature for immediate assistance during business hours.
These digital options allow you to manage your account conveniently without visiting a branch.
Bottom Line: Quick and Easy Way to Apply
This tutorial has walked you through the process of applying for a credit card online. By following the steps provided, you can complete the application efficiently.
Review the interest rates and fees before applying to understand the terms. Overall, applying online saves time and makes the process smoother.
Disclaimer: This information is for general guidance, and terms may change. Always review legal considerations and the terms provided by the bank before applying.
