The P One Wiz Credit Card offers convenience, rewards, and financial flexibility. Understanding the online application process ensures a smooth approval experience.
This article breaks down the steps, eligibility, and key benefits. Get the facts to apply confidently and make the most of this card.
P One Wiz Credit Card Overview
The P One Wiz Credit Card is designed for flexible payments and everyday spending. It offers automatic discounts and rewards with no annual fee.
The card also provides theft protection and purchase insurance. Cardholders can set their monthly payment amount based on their spending balance.
It is mainly used for shopping revolving payments with no fees on the first payment. This guide explains its features, fees, and how to apply online.
Features of the Card
This card provides benefits like 1% automatic discounts and a points reward system. It also offers a flexible payment option that lets users adjust their monthly payments.
Rewards and Benefits
Every purchase earns an automatic 1% discount and Pocket Points for future savings. The more the card is used, the more points are accumulated.
These points can be exchanged for items like shopping points, FamiPay gifts, and gift catalogs. New users get 30 days of interest-free cash advances after their first use.
There is also no annual fee, even after the first year. Family cards can be added at no extra cost.
Fees and Charges
The card has no annual fee in the first year and beyond. The first shopping revolving payment is free of charge.
The shopping balance at the end of each month determines the monthly payment. Users can set their own payment amounts if they meet the minimum required.
Interest is charged if payments are not made in full. There may be late payment fees and other charges depending on usage.
Eligibility Requirements
Applicants must meet certain criteria based on age, income, and creditworthiness. Required documents must also be submitted for verification.
Age and Income Criteria
Applicants must meet the following conditions:
- Must be of legal age to apply.
- Stable income or a reliable source of funds.
- Credit score and history may be checked before approval.
Necessary Documentation for Application
To apply, the following documents are required:
- Valid identification (passport, national ID, or driver's license).
- Proof of income (salary slip, tax statement, or bank statement).
- Address verification (utility bill, rental agreement, or official mail).
- Additional documents may be requested depending on the applicant’s profile.
How to Apply for the P One Wiz Credit Card?
The online application process is simple and requires only a few steps. Applicants must provide personal details and documents for verification.
How to Access the Application Portal?
Start by visiting the issuing bank's official website. Look for the credit card application section and select the P One Wiz option.
Click on the “Apply Here” button to begin. You may need to create an online account if you don’t have one.
Ensure a stable internet connection to avoid errors. Read the terms before proceeding with the application.
Required Steps
Fill in the personal information such as name, address, and contact details. Enter the employment and income details for eligibility verification.
Upload the necessary documents, including proof of identity and income. Review the application for errors or missing details before submission.
Submit the form and wait for confirmation from the bank. The bank will review the details and notify you of the approval status.
Tips for a Successful Application
To increase approval chances, follow these tips:
- Ensure all information is accurate to avoid delays.
- Provide clear and valid documents for verification.
- Use a stable internet connection to prevent application errors.
- Check the eligibility requirements before applying.
- Review the terms and conditions before submission.
- If rejected, wait before reapplying to avoid multiple inquiries on your credit record.
Interest Rates
The shopping revolving payment fee rate is 18.00% annually. Cash advances have an interest rate between 14.95% and 17.95%.
The rate depends on the applicant’s credit history and financial standing. Payments are due on the 1st of each month or the next business day if it falls on a holiday.
Late payments may result in additional interest charges. These rates apply unless the issuer makes changes.
Comparison With Industry Standards
The 18.00% annual fee for shopping revolving payments is in line with many standard credit cards. The cash advance interest rate is slightly lower than some high-interest cards, offering a range of 14.95% to 17.95%.
Some credit cards offer lower APRs but often have higher annual fees. Cards with flexible payments and no annual fee balance the costs.
A 30-day interest-free cash advance for new users provides a temporary cost-saving option. Always compare rates before choosing a card to avoid unexpected fees.
Security Measures
This card includes fraud protection and secure data handling. Transactions and personal details are kept safe from unauthorized access.
Fraud Protection and Data Security
Advanced encryption technology protects transactions from cyber threats. The system detects suspicious activity and alerts users immediately.
Real-time monitoring helps prevent fraud and unauthorized transactions. Cardholders receive loss and theft protection for added security.
Personal data is stored using high-level security measures. The bank continuously updates its security protocols to prevent risks.
Customer Support
Support is available for inquiries, lost cards, and payment issues. The bank provides multiple contact options for assistance.
Bank's Telephone Number and Address
For general inquiries, call 0120-12-9255 from a landline. Mobile users can reach support at 0570-064-373, and overseas callers can dial 81-6-7635-2666.
The main office is located at Sumitomo Real Estate Onarimon Tower, 1-1-1 Shibakoen, Minato-ku, Tokyo 105-0011. Customers can visit for in-person support and assistance.
Disclaimer: Details provided are based on current information but may change. Always verify terms, fees, and conditions with the bank.
Final Words on the P One Wiz Credit Card Application
The P One Wiz credit card offers flexible payments and security. 1% discount benefits and no annual fees make it a convenient choice.
Fraud protection and customer support ensure a reliable banking experience. Review all terms before applying to make an informed decision.
