Credit cards offer you a chance to buy items today and pay for them later, and that’s why credit cards are still a great financial tool. Getting a credit card can be a challenge for most people who don’t enjoy bank halls and queues. But today, thanks largely to tech advancement, you don’t have to apply in person.
Not all banks offer you the chance to apply for their credit card from the comfort of your own home. U.S. Bancorp is one that allows you to apply from the comfort of your couch.
Read on to learn more about U.S. Bancorp’s Visa Platinum Card, the benefits that come with this credit card, and how you can apply for it from your own home.
Features & Benefits of U.S. Bancorp Visa Platinum Card
Like most credit cards on the market, this one has a number of benefits that you can enjoy as a card holder. One of the benefits that comes with this credit card is that you choose your own payment due dates. This enables you to choose when it is convenient for you to make your payments.
Another benefit that comes with this credit card is a free credit check. For most cards, you don’t get your credit score for free, but with this card, you get info on your credit from TransUnion. The other thing is that you don’t need to keep track of your payments with this card; you can opt for auto payment.
Another advantage you get with the card is that you’re notified of any unusual activity on your card before it gets out of hand. This can and will protect you from any fraudulent activity in case you happen to lose your card.
Requirements & How to Apply for this Card
You have to meet certain requirements before you can apply for the card, one of them being that you need to be a U.S. citizen. You have to also be at least 18 years old to apply for this card and be either employed or self-employed.
You have to produce the required documents to prove that you meet the requirements too. For example, you need your latest pay slip to prove you earn. If you’re self-employed, you have to produce a bank statement showing activity in your account for the last three months.
To apply for this card, you can opt to visit any branch of the bank that’s near you and apply in person. But, if you want to apply from the comfort of your home, just visit the bank’s official website. Once you are there, click on the credit cards menu. You’ll be redirected to the next page where you will find a number of cards that the bank offers.
Now, click on the Visa Platinum card, and on the next page, click on the “Apply Now” button to begin your application process. The application process is quite easy, as you have to fill in your personal details first, followed by your financial details. Your application is then reviewed, and you’ll get a decision on the card within just 60 seconds of the application.
Interest And Fees
This is not a complete list of terms or fees; to learn more, make sure to contact a bank representative with your inquiries, or visit the website.
- APR – 13.99% – 23.99% variable
- No annual fee
- For the first 15 billing cycles after opening your account, you have a 0% intro APR on purchases.
Bank’s Contact Info
To get in touch with the bank concerning this specific card, you can make a call to 1-877-592-9209.
To speak with a representative in person, find the location nearest you and schedule a visit.
If you’re in the market for an average user card, this is the card that you want to be looking at. With low intro APR coupled with no annual fees, the card is also one of the easiest cards to maintain.
Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.