{"id":1727,"date":"2023-10-17T14:21:17","date_gmt":"2023-10-17T05:21:17","guid":{"rendered":"https:\/\/bitwallet.com\/?post_type=glossary&#038;p=1727"},"modified":"2024-02-09T09:31:43","modified_gmt":"2024-02-09T00:31:43","slug":"bank-affiliated-credit-card","status":"publish","type":"glossary","link":"https:\/\/bitwallet.com\/en\/support\/glossary\/bank-affiliated-credit-card\/","title":{"rendered":"bank-affiliated credit card"},"content":{"rendered":"\n<dl>\n<dt>how to read<\/dt>\n<dd>How to read in Japanese: bank-affiliated credit card<\/dd>\n<dt>synonyms<\/dt>\n<dd><\/dd>\n<dt>antonym<\/dt>\n<dd><\/dd>\n<\/dl>\n\n\n\n<p>These cards are issued by bank-affiliated credit card companies. Bank-affiliated credit cards tend to be more difficult to screen. However, if you already have an account and have a track record of using the account to receive your salary or to debit your utility bills, this is a positive factor during the screening process.<\/p>\n\n\n\n<p>Some bank credit cards are integrated with cash cards. While this makes it easier to manage with a single card, it also means that you will not be able to use the bank&#8217;s ATMs if you lose it.<\/p>\n\n\n\n<p>One of the advantages of using a bank-affiliated credit card is the various preferential treatment offered by banks. A widely known services offered by many banks is preferential after-hours ATM fees and bank transfer fees.<\/p>\n\n\n\n<p>In addition, by using credit cards on a regular basis and making sure to repay them, you can build a track record of &#8220;ability to pay&#8221;. As a result, the screening process for loans such as mortgages will be smoother, and you may also benefit from preferential interest rates.<\/p>\n\n\n\n<p>Having a &#8220;stable income&#8221; is considered one of the criteria for bank credit cards. Therefore, it tends to be relatively easy to be issued a credit card if you have opened an account to receive salary. This credit card is also recommended for new workers who have no track record of credit use.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>These cards are issued by bank-affiliated credit card companies. Bank-affiliated credit cards tend to be more difficult to screen. However, if you already have an account and have a track record of using the account to receive your salary or to debit your utility bills, this is a positive factor during the screening process.<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"footnotes":""},"genre":[66],"initial":[117],"initial-ja":[251],"class_list":["post-1727","glossary","type-glossary","status-publish","hentry","genre-genre02","initial-ini-b","initial-ja-ini-ja-ki"],"_links":{"self":[{"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/glossary\/1727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/types\/glossary"}],"version-history":[{"count":2,"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/glossary\/1727\/revisions"}],"predecessor-version":[{"id":3620,"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/glossary\/1727\/revisions\/3620"}],"wp:attachment":[{"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/media?parent=1727"}],"wp:term":[{"taxonomy":"genre","embeddable":true,"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/genre?post=1727"},{"taxonomy":"initial","embeddable":true,"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/initial?post=1727"},{"taxonomy":"initial-ja","embeddable":true,"href":"https:\/\/bitwallet.com\/en\/wp-json\/wp\/v2\/initial-ja?post=1727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}