CREDIT CARD APPLICATION

The credit card application is created to enable customers to apply for a credit card by providing basic personal and financial details. The applicant can also define preferences such as whether authorized users are to be added to the card and if balance transfers are to be defined. All the required disclosures and notices are displayed as part of the application and all regulations governing the bank and applicant involved have been kept in mind while identifying information to be captured.

The application tracker is built to enable tracking of the application once it is submitted. The application tracker also enables the applicant to retrieve and complete an application that is saved. Additionally, the applicant can perform certain tasks from the application tracker such as uploading documents required by the bank, specifying additional card preferences such as delivery preferences and card customizations including defining card background and name to be printed on the card.

Credit Card Application Workflow

The credit card application process consists of the following steps:

• Applicant Information: The applicant information sections consist of details such as basic personal information, identity, contact, and employment information of the applicant.
• Financial Information: These sections consist of the details such as, income, expense, asset, and liability details of the applicant.
• Card Customization: This section enables you to customize the credit card you are applying for by add authorized users to the card or defining balance transfer to be made to the card.
• Review and Submit: This section comprises of two sub sections. The first displays the summary of the credit card application. You can verify details submitted as part of the application and can modify any if required. The second sub section displays the disclosures and notices applicable on the credit card application. You can view details of these disclosures and notices and if required, give consent to them before submitting the application to the bank.
• Credit Decision Outcome: This section displays the credit decision, once the application is submitted successfully.

How to reach here:

Dashboard > Credit CardA credit card is a payment card issued to users (cardholders) as a method of payment.

To apply for credit card:

1. The product selection screen appears.

2. Once the appropriate product is selected, click Proceed. The Credit Card Offers screen appear.

3. Once the appropriate product is selected, click Apply. The orientation screen of the specific credit card offer appears containing details informing the applicant about the steps involved in the application, details required for application and eligibility criteria. Additionally, the orientation screen also displays text defining the USA Patriot Act, by which you are informed about the bank’s need to comply with the specific act and the requirement to capture certain information of all applicants.

4. Click Continue, if you are an anonymous user. The Primary Information, Proof of Identity, Contact Information, Employment Information. Depending on the number of co-applicants, the respective sections are added.
   OR
   Click Login if you are a registered user. For more information click here.
   OR
   Click Cancel to abort the mortgage loan application process. For more information on cancel-ling an application click here.

5. Click the appropriate section to enter the details.

Primary Information

In the primary Information screen enter the appropriate information like, salutation, first name, last name, date of birth, citizenship, etc.

Primary Information

Field Description

Field Name	Description
Salutation	Select your salutation. The options are: Mr Ms Mrs Others
First Name	Enter your first name.
Middle Name	Enter your middle name here. This field is optional.
Last Name	Enter your last name.
Suffix (Optional)	Enter your suffix. This field is optional.
Date of Birth	Your date of birth in format MM/DDDirect Debit/YYYY. The system validates your date of birth so as to identify whether you have attained age of majority.
Citizenship	The country of which you are a citizenship. By default, United States will be selected. You can change this value to reflect the country of which you are a citizen.
Permanent Resident	You are required to identify whether you are a permanent resident of the United States or not. If your citizenship is any other than United States and if you are also not a permanent resident of the United States, you will not be able to proceed with the application as, currently, only US citizens or resident aliens are allowed to submit applications only.
Country of Residence	This field is enabled only if you have identified that you are not a permanent resident of the United States by selecting No in the Permanent Resident field. In this case, you are required to indentify the country in which you reside.

6. Click Continue . The Proof of Identity section appears.

Proof of Identity

In the proof of identity section enter the social security number, identity type, state of issue, ID number, and expiry date.

Proof of Identity

Field Description

Field Name	Description
Social Security Number	Enter your Social Security Number.
Type of Identification	The identification that you want to provide as proof of identity. The identification type could be: State ID Driving License Matricular Consular Card
State of Issue	The state in which your ID as selected in Type of Identification field, has been issued. This field is not displayed if you have selected Matricular Consular Card as Type of Identification.
ID Number	Identification number corresponding to the identification type.
Expiration Date	The date on which you ID expires. The system will validate if the expiration date has passed or if it is a valid date i.e. not one that is too ahead in the future (the number of years will be defined by the bank) and will display an appropriate error message. In this case, you can either modify the expiration date or select a different ID to submit as proof of identity, one which has a valid expiration date.

7. Click Continue to save the identification information. The Contact Information section appears.

Contact Information

In the contact information section enter contact details including your email address, phone numbers, and current residential address. You will be required to enter details of your previous residence if you have stayed at your current residence for less than the amount of time required. This amount of time is defined by the bank in terms of years.

Contact Information

Field Description

Field Name	Description
Email
Email	Your Email ID.
Confirm Email	Re-enter the email ID to confirm.
Phone Number
Phone Type	Type of phone number that is being added as primary. The options are: Personal Mobile Work Mobile Home Phone Work Phone
Primary Phone Number	Phone number corresponding to the selected phone type.
Alternate phone number	You can select Yes if you want to add an alternate phone number. It is not mandatory to add an alternate phone number.
Phone Type	Type of phone number that is being added as an alternate number. The options are the same as those available for the phone type of primary phone number. The type selected as primary phone type will not be part of the list. Hence you cannot enter two phone numbers of the same type. This field is displayed if you select Yes in the Add an alternate phone number field.
Phone Number	Phone number corresponding to the selected alternate phone type. This field is displayed if you select Yes in the Add an alternate phone number field.
Residential Address
Accommodation Type	The type of residence. The accommodation types are Company Provided Inherited Leased Owned Parental Rented Other
Address 1-2	Your address details.
City	The city in which you reside.
State	The state in which you reside.
Zip Code	The zip code of your residence. You can enter the zip code in format zip+4 in addition to regular format.
Staying Since	Date since which you have been residing at the current address. If you identify a date that is less than the minimum amount of time required for you to have resided in the current residence, the system will display fields in which you can specify you previous residence address.
Previous Residential Address
Accommodation Type	The type of residence. The accommodation types are : Company Provided Inherited Leased Owned Parental Rented Other
Address line 1-2	Address details of your previous residence.
City	The city in which you resided previously.
State	The state in which you resided previously.
Zip Code	The zip code of your previous residence. You can enter the zip code in format zip+4 in addition to regular format.

Employment Information

In this section enter details of your employment over a defined period starting with your current primary employment. The details required are type of employment, subsequent status, date on which specific employment was started and if you are salaried or self employed, the company or employer name. If the amount of time at which you have been employed in your current employment is less than the required amount, the system will display fields in which you can enter details of previous employment.

Employment Information

Field Description

Field Name	Description
Primary Employment
Employment Type	The type of your current primary employment. The types are: Salaried Self Employed Others
Employment Status	The status of your employment. The options in this field will depend on your selection as employment type. If you have selected the option Salaried or Self Employed the options will be: Part Time Full Time If you select Others option in the Employment Type list, following options may appear: Home Duties Non-Resident Pensioner Retired Student Superannuation Unemployed Casual Contractor
Company Name or Employer	Name of the company or firm at which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type.
Start Date	The date on which you started current employment.
Additional Employment
Employment Type	The type of employment. The types are: Salaried Self Employed Others
Employment Status	The status of your employment. The options in this field will depend on your selection as employment type. If you have selected the option Salaried or Self Employed the options will be: Part Time Full Time If you select Others option in the Employment Type list, following options may appear: Home Duties Non-Resident Pensioner Retired Student Superannuation Unemployed Casual Contractor
Company Name or Employer	Name of the company or firm at which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type.
Start Date	The date on which you started employment at the specific company or organization.
End Date	The date on which you employment at the specific company or organization ended.

8. Click Add to update the employment information.
9. Click to add more than one employment information.

Note: You can lick to edit the employment information.

• Click Continue to proceed with the application process.

7. Click Continue .
   OR
   Click Save for Later, to register and resume the loan application at later stage. For more information on save for later, click here.
   OR
   Click Cancel to close the credit card application process. For more information on cancel-ling an application, click here.
8. The Financial Profile screen appears with Income, Expense, Asset, and Liability sections.

Financial Profile

This page comprises of multiple sections in which you can enter your financial details in the form of income, expenses, assets, and liabilities.

Income Information

In this section enter details of all income that you want to be considered to be the basis on which you will make credit card payments. Hence, any income earned as alimony or child support need not be identified here if you do not wish for it to be considered.

You can add multiple records of income upto a defined limit. Click the icon to add additional income records and the icon against a specific record to delete it.

• From the Source of Income list, select your source of income.
• In the Gross income field, enter your gross income.
• In the Net Income field, enter your net income.
• From the Frequency list, select the frequency in which you earn the particular income.

Income Information

Field Description

Field Name	Description
Primary Income
Source of Income	The source of your primary income. Examples of source of income can be rental income, salary, etc.
Gross Income	Gross amount of income earned.
Net Income	Net amount of income. The net income field will be defaulted with the gross income amount entered and can be changed.
Frequency	The frequency at which you earn the particular income. Examples of income frequency can be Monthly, Yearly, etc. By default Yearly will be selected in this field. You can change this value as required.

• Click Save to update the income details.
• Click Continue to proceed with the expense details section.
  OR
  Click the icon to add another income records.

Expenses

In this section enter details of all expenses you incur on a regular basis. You can add multiple expense records up to a defined limit. Click the icon to add additional expense records and the icon against a specific record to delete it.

7. From the Type of Expense list, select the expense.
8. In the Total Expense Value field, enter the applicants expense value.
9. From the Frequency of Expense list, select the frequency in which the expense is incurred.

Expense Information

Field Description

Field Name	Description
Primary Expense
Type of Expense	The type of expense. Example - household, school fees, etc.
Total Expense Value	The total value of expenditure against the specific type identified.
Frequency of Expense	The frequency at which you incur the specific expense. By default the value Monthly will be selected and can be changed.

10. Click Save to update the expense details.
11. Click Continue to proceed with the asset details section. OR
    Click the icon to add another expense records.

Asset

In this section enter details of all assets owned by you. You can add multiple asset records up to a defined limit. Click the icon to add additional asset records and the icon against a specific record to delete it.

1. From the Type of Asset list, select the appropriate option.
2. In the Value field, enter the value of the liability in the given currency .

Assets

Field Description

Field Name	Description
Primary Assets
Type of Asset	Type of asset owned by you. Examples of assets are – Home, Savings account with bank, etc.
Value	The market value of the asset.

3. Click Save.
4. Click Continue to proceed with the liability details section.
   OR
   Click the icon to add another asset records.

Liabilities

In this section enter details of all your liabilities. You can add multiple records up to a defined limit. Click the icon to add additional records and the icon against a specific record to delete it.

• From the Type of Liability list, select an appropriate option.

1. In the Original Value field, enter the original value that is the initial value of the liability.
2. In the Outstanding Value field, enter the outstanding value of the liability.

Liabilities

Field Description

Field Name	Description
Primary Liability
Type of Liability	The type of liability being defined. Examples can be home loan, personal loan, credit card debt, etc.
Original Value	Original value of the liability.
Outstanding Value	Outstanding value of the liability.

Click Continue. The Customize your Card screen appears.
OR
Click the icon to add another asset records.

9. Once the asset, liability, income, and expense details are entered click Continue. The Customize your Card screen appears.
10. The Customize your Card screen appears.

Customize Card

In this section you can define preferences related to your credit card. You can opt to add authorized users on your card and also define details of balances to be transferred to your new card.

Customize Card

Field Description

Field Name	Description
Authorized Users
Add an authorized user	You can add an authorized user by selecting Yes. The following fields to capture authorized user’s information are displayed if you select option Yes.
Authorized Users <Number>
Salutation	Specify the authorized user’s salutation. Examples of salutation are Mr., Mrs., Dr.
First Name	Enter the authorized user’s first name.
Middle Name	Enter the authorized user’s middle name. This field is optional.
Last Name	Enter the authorized user’s last name.
Suffix	Enter the authorized user’s suffix. This field is optional.
Date of Birth	Enter the authorized user’s date of birth in format MM/DD/YYYY. The system validates the authorized user’s date of birth so as to identify whether the authorized user meets the age requirements as defined by the bank.
Citizenship	The country in which the authorized user is a citizen. By default, United States will be selected. You can change this value to reflect the country of which the authorized user is a citizen.
Permanent Resident	Whether the authorized user is a permanent resident of the United States or not. If citizenship is any other than United States and if the authorized user is not a permanent resident of the United States, you will not be able to add the authorized user.
Country of Residence	This field is enabled only if you have identified that the authorized user is not a permanent resident of the United States by selecting No in the Permanent Resident field. In this case, the authorized user’s country of residence is required to be identified.
Social Security Number	Enter the authorized user’s Social Security Number.
Residential Address
Address is same as primary applicant’s	Select this option if your address is the same as that of the primary applicant’s. The system will populate the primary applicant’s address in this section.
Accommodation Type	The authorized user’s residence type. The accommodation types are: Company Provided Inherited Leased Owned Parental Rented Other
Address 1-2	The authorized user’s address details.
City	The city in which the authorized user resides.
State	The state in which the authorized user resides.
Zip Code	The zip code of the authorized user’s residence. You can enter the zip code in format zip+4 in addition to regular format.
Staying Since	Date since which the authorized user has been residing at the current address. If you identify a date that is less than the minimum amount of time required for the user to have resided in the current residence, the system will display fields in which you can specify the previous residence address of the authorized user.
Previous Residential Address
Accommodation Type	The authorized user’s residence type. The accommodation types are: Company Provided Inherited Leased Owned Parental Rented Other
Address 1-2	Address details of previous residence.
City	The city in which the authorized user had resided previously.
State	The state in which the authorized user had resided previously.
Zip Code	The zip code of the authorized user’s previous residence. You can enter the zip code in format zip+4 in addition to regular format.
Balance Transfer
Transfer a balance to my new card	You can select option Yes to specify balance transfer details. The following fields in which you can enter balance transfer details are displayed if you select Yes.
Balance Transfer <Number>	Each balance transfer record that you define will be numbered.
Card Issuer	The name of the institution that issued the card from which balance is to be transferred to your new card.
Payee Name	The name of the card holder from which balance is to be transferred.
Card Number	The number of the credit card from which balance is to be transferred.
Transfer Amount	The amount to be transferred. The system will validate this amount so as to ensure that it is not higher than the maximum credit limit of your new card. Additionally, if you are adding more than one balance transfer, the system will run a validation to ensure that the total transfer amount is not more than the credit limit of your card.

The following is applicable for both Authorized Users as well as Balance Transfer sub sections:

• Click Add to save the specific.
  OR
  Click to delete the record.
• Click to add another authorized user.
  OR
  Click to edit the information of a previously entered record.
  OR
  Click Continue
• Click Review and Submit. The review screen appears.

Review and Submit

The review and submit page consists of the following two sub sections:

• Application Verification – This section will display all the information you have entered in the application. You can verify that all the information provided by you is correct and make any changes if required.
• Disclosures and Consents – This section displays all the various disclosures and notices impacting you and the bank. The facility to provide your consent to a disclosure is provided against each disclosure.

Disclosure and Consents

Field Description

Field Name	Description
ESIGN Disclosure
I have reviewed and consent to the ESIGN Disclosure	Indicates to provide consent to the Esign disclosure.
Certification
I have read and agree to the above statements	Indicates the agreement with the terms and conditions and certifications defined.

11. Once you have verified all the information and have provided consent to all the disclosures click Submit.
12. The screen confirming application submission will be displayed which will contain the application reference number, decision outcome and any additional steps that might need to be undertaken by you or the bank.

13. Click Track your Application. The application dashboard screen appears. For more information on track application click here.
    OR
    Click Go to Homepage to navigate to the application dashboard screen.
14. The Login screen appears. In the USERNAME field, enter the user name created while submitting the application.
15. In the PASSWORD field, enter the password.
16. Click Login. The application tracker screen appears with submitted as well as in draft applications.

17. If the applicant who has filled in the application details is not a registered channel user will have an option to register for channel access. Click Register.

Register User

To register an applicant:

• In the Email field, enter the email address.
• To confirm enter the enter the email ID in the Confirm Email field.
• Click Verify link to verify the entered email address.
• In the Verification Code field, enter the verification code sent on the registered email ID.
• Click Resend Code, if the code is not received.
• Click Submit. The successful email verification message appears.
• In the Password field, enter the password required for log-in.
• To confirm enter the password in the Confirm Password field.

Register Applicant

Field Description

Field Name	Description
Email	The email ID of the co-applicant.
Confirm Email	To confirm re-enter the email ID entered in the Email field.
Password	Indicates the password required for login.
Confirm Password	To confirm re-enter the password entered in the Password field.

• Click Send Link to receive the co-applicants registration link.
  OR
  Click Track Application to view the applications status.
  OR
  Click Go To Homepage to view the loan application.

Cancel an Application

At any point you can cancel an application.

To cancel an application:

• Click Cancel. The cancel application screen appears with reasons to cancel.

Cancel Application

Field Description

Field Name	Description
Reason for Cancelling	Indicates the reason to cancel an application. The cancellation reason could be: Difficulty in completing the form insufficient time Need more product details Incorrect product selection Others
Please Specify	Specify the reason to cancel the application. This field appears if you select Others option in the Reason for Cancelling.

• Select the appropriate reason for cancelling the application.
• Click Cancel and Exit to cancel and exit the application. Application has been cancelled message appears.
  OR
  Click Return to Application to view the loan application.

• Click Go To Homepage to navigate to the application dashboard screen.

Save for Later

There will be two scenarios in this case

• If the applicant is a registered user and he/she is already logged in then the applicant will get a confirmation page indicating submission saved successfully.
• If the applicant is a new user i.e. who is not registered on channel, then he/she will need to go through the following steps.

To save an application:

• Click Save for Later. The Save and Complete Later screen appears.
• In the Email field, enter the email address.
• To confirm enter the enter the email ID in the Confirm Email field.
• Click Verify link to verify the entered email address.
• In the Verification Code field, enter the verification code sent on the registered email ID.
• Click Resend Code, if the code is not received.
• Click Submit. The successful email verification message appears.
• In the Password field, enter the password required for log-in.
• To confirm enter the password in the Confirm Password field.

Field Description

Field Name	Description
Email	The email ID of the user.
Confirm Email	To confirm re-enter the email ID entered in the Email field.
Password	Indicates the password required for login.
Confirm Password	To confirm re-enter the password entered in the Password field.

• Click Save Application .
  OR
  Click Cancel Application to close the save and complete later screen.
  OR
  Click Return to Application to navigate to the application screen.
  

Note: The saved application appears in Track Application under In Draft. You can click the application summary and resume application submission process.

• Click Track your Application. to view the application status.

Application Tracker

The track application allows you to view the progress of the application. Through track application you can:

• View submitted application: It allows you to view the submitted application details, any view information related to the application and complete pending tasks applicable.
• View application in draft: If you click save for later while submitting the application, the application is saved as draft application. So that you can retrieve the application at later stage and complete the application submission process.

To track an application:

• Click Track Application on the dashboard. The Login screen appears.
• Enter the registered email ID and password, click Login.
• The Application Tracker screen appears. By default the submitted application view appears.

Submitted Application

Field Description

Field Name	Description
Application ID	Application reference number. It is a unique number generated by the application and allotted to an application.
Amount	The approved loan amount.
Applicant Name	Name of the loan applicant.
Submitted On	Application submission date.
Status	Current status of the application.

• Click the application details to view the application summary. The Application Summary screen appears with details like, actions to be performed and application details to be viewed.

• Click the link Additional Preferences under the Action Required section. A screen is displayed with options for you to specify Card Preferences, Delivery Preferences and Membership Linkages.
• Click on the links under the View section to view application summary, account summary and other details.

Additional Preferences

This screen displays the options that you can select to perform any of the following actions

• Configure your cards in the Card Preferences section.
• Specify Delivery Preferences for your Card, PIN and Statement in the Delivery Preferences section.
• Link your card to membership programs in the Membership Linkage section.
• Click on the Card Preferences accordion to expand the section on which you can specify preferences to personalize your card.
  OR
  Click on the Delivery Preference accordion to expand the section on which you can define preferences pertaining to where your card, PIN and statement are to be delivered.
  OR
  Click on the Membership Linkage accordion to expand the section on which you can define membership linkages

Card Preferences

In this section you can configure your card i.e. the primary card as well as the cards of your authorized users.

Card Preferences

Field Description

Field Name	Description
Primary Card
Name on Card	You can specify the name that you want to be embossed on your card.
Card Design	You can select the bank ground design that you want printed on your card.
Image on Card	You can upload an image to be printed on your card.
Authorized User Cards
Authorized User’s Name	The name of the authorized user will be displayed on an accordion. If you click on this accordion, the section in which you can configure the particular authorized user’s card will be expanded. Once you have configured the authorized user’s card and saved the same, the section will be minimized and the icon will be displayed against the user’s name so as to identify that the particular user’s card configurations have been saved.
Name on Card	You can specify the name that you want to be embossed on the authorized user’s card.
Image on Card	You can upload an image to be printed on the authorized user’s card.

• Click Save to save the configurations.
  OR
  Click Continue to submit the configurations.

Delivery Preferences

In this section you can define delivery preferences pertaining to where you want your card, PINPersonal identification number (PIN) is a secret number given to an account holder to be used when they put their credit card or cash card into an automatic teller machine (ATM). If the number they use is correct they will be allowed to access their account., periodic statements to be delivered. The delivery preferences specified for card and PIN will be applicable for your authorized users’ cards and PINs as well.

Delivery Preferences

Field Description

Field Name	Description
Card Delivery	You can identify whether you want your card to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your card to be delivered. The options are: Home Branch Temporary Address
PIN Delivery	You can identify whether you want your PIN to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your card to be delivered. The options are: Home Branch Temporary Address
Statement Delivery	You can identify whether you want your periodic statements to be delivered via post or as a soft copy through email. The options are: Post Online Both
Address	If you have selected the option Home, in either Card Delivery or PIN Delivery fields, your current residential address as entered in the Contact Information section of the application form will be displayed below that field indicating that your card or PIN will be delivered to your residential address. Additionally, if you have selected the option Post or Both in Statement Delivery, your current residential address will be displayed below the Statement Delivery field.
Select Branch	This field will be displayed below the Card Delivery/PIN Delivery field if you have selected the option Branch in either of the two fields. You will be able to search for or enter the name of the branch at which you want your card/PIN to be delivered. Once you have selected a branch, the full name and address of the branch will be displayed below the field.
Address Line 1 - 2	Details of the address at which you want your card/PIN to be delivered.
City	The city in which you want your card/PIN to be delivered.
State	The state in which you want your card/PIN to be delivered.
Zip Code	The zip code of the address at which you want your card/PIN delivered. You can enter the zip code in format zip+4 in addition to regular format.
Your email	Your email address will be displayed below the Statement Delivery field, if you have selected the option Online or Both.

• Click Continue to submit the configurations.

Membership Linkage

In this section, the names of membership programs affiliated with your new credit card will be displayed. You can link your membership ID of each respective program to your card so as to earn membership rewards when using your card to make purchases from these institutions.

Field Description

Field Name	Description
Membership Name	The name of the institution that has a membership with the card you have applied for.
Membership Number	You can enter your ID number that you hold with the specific membership institution so as to link your membership to the card.

• Click Continue to submit the linkages defined.

Application Summary

This screen displays a summary of your credit card application. You can click on the View Complete Application link provided on the screen to view the complete application in PDF format.

Field Description

Field Name	Description
Offer Name	The name of the credit card offer that you applied for.
Card Type	The card network i.e. VISA, Mastercard, American Express, etc.
Approved Credit Limit	The approved credit limit on your card.
Applicant Name	Your name as entered in the application.
Application Fees	The amount of fees charged for the processing of the application.
Card Customizations
Authorized Cards	Whether you have opted to add authorized users to your card or not. The values displayed can be either Yes or No.
Balance Transfers	Whether you have opted to have balances of any cards transferred to your new card. The values displayed can be either Yes or No.
Delivery Preferences	The delivery preferences along with details as defined by you for your card, PIN and/or statement will be displayed in this sub section.
Membership Linkages	The membership linkages, if any, defined by you in the Membership Linkage section of Additional Preferences in the App. Tracker.

• Click View Complete Application to view details of the entire application in a PDF.

Status History

Status history displays the status of the various stages of loan application, remarks, user name, and date on which the status is updated.

Status History

Field Description

Field Name	Description
Status History
State	Application status.
Remarks	Displays the remarks if any.
Acted By	User ID who has processed the account application.
Updated On	Account application updated date.

Document Upload

Document upload allows you to upload the documents which are required for the application processing. You can upload multiple documents for a document type. Simultaneously you can upload multiple documents. You can remove any uploaded document.

To upload / remove a document:

• Click Documents link.
• Click Choose file.
• The open file screen appears. Select the appropriate file to be uploaded and click Open.
• Click Upload. The file is uploaded.

Document Upload

Note: Click to remove the uploaded document.

Field Description

Field Name	Description
Choose File	File to be uploaded.

• Click Document link. The status of the uploaded document appears, once the document are verified.

Uploaded Document

• Click on the image link to download the uploaded document file.

FAQs

Can I apply for a credit card if I am not a citizen of the United States?

As per US law, US citizens and resident aliens can apply for banking products online. Hence, if you are not a citizen of the United States but are a permanent resident of the United States and have a Social Security Number you can apply for a credit card online. However, if you are not a United States citizen and are not a permanent resident either, you cannot apply for a credit card online.

Why am I not required to enter information such as gender, marital status etc as part of primary information?

Financial institutions in the US are governed by strict laws one of them being the Equal Credit Opportunity Act (ECOA) which dictates that it is unlawful for any creditor to discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status or age (as long as the applicant is a legal major). Hence, information such as the applicant’s gender, number of dependents, marital status, etc are not captured in the application.

Why do I have to provide my Social Security Number (SSNSocial Security Number) in the application? How does the bank ensure that my information is safe?

Your Social Security Number is required as it is part of the information we use to verify your identity and is also used by our third party credit reporting agencies to identify your credit worthiness. Your Social Security Number is masked as soon as you enter it so as to eliminate the risk of shoulder surfing security threat.

Why do you require the expiry date of my identity proof?

We ask for the expiry date of your identity proof to ensure that you are providing us with a valid proof of identity, one that is currently not expired.

Can I provide my P.O. box as residential address?

No, we require the address at which you currently reside and if required the address at which you resided previously.

I have my entire zip code i.e. in zip+4 format. Can I provide my entire zip code?

Yes, the application accepts regular zip format as well as zip+4 format.

Do I need to include the income I get as alimony in the income section of the application?

No, you do not have to include income from alimony, child support or any separate maintenance income if you do not wish for it to be considered as a basis for credit card payment.

Can I add an authorized user to my card? What are the details that I must provide of my authorized user?

Yes, you can apply for an authorized user to be added to your card. You will be required to provide your authorized user’s name, date of birth, citizenship, Social Security Number and residential address details.

Can I add multiple authorized users to my card?

Yes, this depends on the card offer you have selected to apply for. The bank will define the maximum number of authorized users that can be linked to a card.

What are the eligibility requirements to be met for someone to be added as an authorized user?

The person you are adding as an authorized user to your card must:
• Be either a citizen of the United States or a resident alien.
• Meet the age requirements defined for an authorized user.

Can I transfer balances from multiple cards to my new card?

Yes, you can transfer the balances from multiple cards to your new card provided this feature is enabled for the credit card offer that you have applied for. The bank will define the maximum number of balance transfers you can perform on your card.

. Is there a maximum limit defined on the amount of balance that can be transferred to my card?

Yes, you cannot transfer a balance if it is greater than the maximum credit limit defined for your card. Additionally the sum of all balance transfers also must not exceed that of the maximum credit limit of your card.

Why do I have to give my consent to all the disclosures displayed under the Review & Submit section?

As per US law, all customers of the bank are to be made aware of all the disclosures and notices impacting them. Hence, we require your consent to all these disclosures and also provide links for you to view the details of each disclosure.

14. I am an existing customer of the bank but do not have channel access, how can I proceed?

You can register yourself as a channel user through the ‘Register’ option available on the portal page and provide the required details.

Can I proceed with the application if I am not an existing channel user?

Yes, you can continue filling in the application details as a guest user and need not necessarily login

Why am I asked to capture previous residential address details?

The bank has a resident stability policy in place wherein if the applicant is staying at the current address for less than a defined term then he/she needs to define the previous residential address.

Is it mandatory to change the default configuration for an account as part of application tracker?

No, you can simply view and confirm the account configuration. This facility has been provided so that you can edit any parameter or facility of the account that you wish to change.

The application requires me to define certain financial details that are not applicable to me. How do I proceed?

In case a financial parameter such as, an expense as mortgage is not applicable to you, you can mention the value ‘0’ against that specific financial parameter and proceed with the application.

Why am I being asked to capture previous employment details?

The bank has a employment stability policy in place wherein if the applicant has not completed a defined term in the current organization then he/she needs to define previous employment details.

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