The purpose of this article is to guide you through the process of requesting a Resona Credit Card.
We’ll cover the necessary steps, requirements, and what you need to know to make your application successful. By the end, you’ll have all the details to apply for the card confidently.
What is the Resona Credit Card?
The Resona Credit Card offers various features and benefits, making it a convenient choice for managing your finances. This section will break down the card’s key features and advantages.
Basic Features
Here are the key features of the card:
- Earn points with every purchase.
- 5 points (6 for Gold) for every 1,000 yen spent monthly.
- Spend over 500,000 yen annually for up to 3,000 points (standard card).
- Spend over 1.5 million yen annually for up to 9,000 points (Gold card).
- Linked to Resona Group apps for easy management.
- Convenient notifications for upcoming payment due dates.
Benefits of Owning the Card
These are the main benefits:
- New Member Benefit: Spend 3,000 yen by the 15th of the month following your sign-up and get 500 points.
- Easy app integration allows you to view your account balance and transaction details.
- Notifications help avoid missed payments.
- Great rewards for regular card usage.
Requirements to Request the Credit Card
To apply for this credit card, you must meet some key requirements. Below are the eligibility criteria, documents, and prerequisites to help you get started.
Eligibility Criteria
Here’s what you need to be eligible:
- Must be at least 18 years old
- Stable income (may vary by applicant)
Resident of Japan - Valid identification
Necessary Documents
Make sure you have these documents ready for your application:
- Proof of identity (e.g., passport or driver’s license)
- Proof of income (e.g., recent pay slip or tax return)
- Address verification (e.g., utility bill or bank statement)
Application Prerequisites
Before applying, ensure these are in order:
- A Japanese bank account for payments
- Stable credit history (for approval)
- Active email address for notifications
How to Request the Credit Card?
Requesting the card is straightforward. Below are detailed instructions for both online and in-person applications, along with important information on processing times and expected fees.
Step-By-Step Guide for Online Application
Here’s how you can apply online:
- Start by visiting the official website or downloading the Resona app.
- If you don’t have an account yet, create one; otherwise, log in with your existing account details.
- Complete the personal details section, including name, address, and date of birth.
- Upload the required documents, such as proof of identity and income.
- Select the card type you’re applying for (standard or gold).
- Review your application, make sure all details are correct, and submit the application form.
- You’ll receive an email or notification confirming receipt of your application and when you can expect to hear back.
How to Apply in Person?
If you prefer applying in person, follow these steps:
- Visit the nearest Resona branch during business hours.
- Approach the customer service desk and ask to apply for a credit card.
- The representative will provide you with an application form to fill out.
- Submit your documents directly to the representative (proof of identity, income, etc.).
- After you submit your application, the bank representative will guide you through the following steps and estimate when you should expect approval.
- Due to document review, the application process might take a little longer in person, but you can ask any questions right there.
Application Processing Time
The time it takes to process your application is generally as follows:
- You can expect approval to take 7 to 10 business days after submitting your application.
- The process might take longer if the bank requires additional verification or documentation.
- Once your application is approved, you will be notified by email or phone, and your card will be mailed to you.
- Regularly check your email or the app for any updates during the process.
Expected Fees
There may be a few fees associated with the credit card:
- The annual fee will depend on your chosen card type (standard or gold).
- If you miss a payment, you may incur a late fee, so make sure to pay on time.
- If you use the card for purchases outside Japan, expect a foreign transaction fee to be applied.
- There may also be fees for card replacements or other services, so reviewing the terms and conditions is a good idea.
Interest Rates and Fees
Understanding the interest rates and fees is essential when using a credit card. Here’s a breakdown of the current APR, introductory offers, and late payment fees.
Current APR (Annual Percentage Rate)
The APR is the rate at which interest will be charged on your balance. It typically ranges from 15% to 20%, depending on your credit profile and the card type. Check the exact rate when you apply, as it may vary.
Introductory Rates or Offers
Some cards may offer introductory rates for new customers. These rates can be lower than the standard APR for the first few months. It’s essential to know how long the introductory period lasts and the rate after it ends.
Late Payment Fees and Other Charges
You’ll be charged a late payment fee if you miss a payment. Depending on the card, this fee can range from ¥1,000 to ¥2,000.
Additionally, there could be other charges for card replacements or foreign transactions, so review the fee structure carefully.
Customer Support and Contact Information
You can reach customer support at the bank’s contact center if you need assistance.
The bank's office is at Fukagawa Gatharia W2 Bldg., 5-65, Kiba 1-Chome, Koto-ku, Tokyo. You can also visit their website for additional contact options and support hours.
Disclaimer: The information provided is subject to change without notice. Please verify details with the bank before making any decisions.
Bottom Line: How to Easily Request the Resona Credit Card
In conclusion, requesting the Resona Credit Card is simple when you follow the necessary steps. The process is straightforward, from meeting the eligibility criteria to submitting the required documents.
Review the interest rates, fees, and benefits before applying. Whether applying online or in person, being prepared and informed is essential. Following the outlined steps, you can confidently request your card and enjoy its benefits.
