This article will guide you in requesting an Orico Card, THE POINT, a popular credit card in Japan. You'll learn the steps involved and what you need to prepare for a smooth application process. 

Understanding these details will help you avoid delays and make your request hassle-free. Let's dive into the key points to get you started efficiently.

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Overview of Orico Card THE POINT

This card offers excellent benefits for everyday use, especially with its high point return rate. It's designed to help you maximize rewards while keeping costs low with no annual fee.

Key Features And Benefits

The card is ideal for people who want to earn points on their purchases. It offers a higher return rate for a limited time after joining.

No Annual Fee

One of the standout features is no annual fee, so you don't need to worry about extra costs. This makes it an affordable option for long-term use. It's a simple way to start earning points without any additional expense.

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High Point Reward System For Everyday Purchases

The card offers a 1.0% point return rate on all purchases, making it a solid choice for everyday spending. The point return rate increases to 2.0% for the first six months after joining, giving you rewards. 

You can earn a maximum of 5,000 points during this period, which is ideal for maximizing points quickly in the initial months. 

After six months, the return rate reverts to 1%, ensuring consistent spending rewards. Whether shopping for groceries or paying bills, you’ll see those points add up.

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Eligibility Criteria For Applying (Age, Income, Residence)

You must meet a few essential eligibility criteria to apply for this card. These points help determine whether you're qualified to get approved.

  • Age: Must be at least 18 years old
  • Income: A stable source of income is required
  • Residence: Must be a resident of Japan

Step-By-Step Guide To Requesting Orico Card THE POINT

In this section, you’ll learn how to apply for the card easily. We’ll cover both online and offline methods, making choosing the best option simple.

Online Application Process Explained

Applying online is quick and straightforward. You fill out basic personal and financial information, and a few documents are needed for verification.

Documents Required (ID, Proof Of Income, Etc.)

Here are the necessary documents you must submit during the application process. Having these ready will help speed up your approval.

  • Valid ID (passport, driver’s license)
  • Proof of income (payslip or tax return)
  • Proof of residence (utility bill or residence card)
  • Bank account information (for automatic payments)

How To Fill In The Application Form?

When filling out the application, there are a few essential sections to pay attention to. Follow these steps for accuracy.

  • Personal information: Enter your full name, address, and contact details.
  • Employment details: Include your current job status and employer information.
  • Income details: Provide accurate figures for your monthly or annual income.
  • Bank details: Ensure you input your bank account information correctly for payment setup.
  • Review: Double-check all details before submitting to avoid delays.

Application Through Customer Service

If you prefer not to apply online, you can contact customer service for help. This method is useful for those who prefer personal assistance with their application.

Phone And In-Person Requests

You can also apply for the card over the phone or by visiting a branch. Here are the steps for each option.

  • Phone application: Call customer service, provide your details, and follow their instructions.
  • In-person application: Visit the nearest branch, bring your documents, and complete the application with assistance.
  • Schedule an appointment: Call ahead to book a time if you’re applying in person for faster service.

Interest Rates And Fees

Understanding the interest rates and fees is essential before using the card. This section will help you know what to expect with different charges.

Breakdown Of Interest Rates On Purchases And Cash Advances

The interest rates for purchases and cash advances differ. Knowing these rates helps you manage your spending and repayments effectively.

Typical APR (Annual Percentage Rate)

The typical APR for purchases ranges from 15% to 18%, depending on your creditworthiness. For cash advances, the APR is generally higher, around 20%. 

Check your specific rate to avoid surprises. Remember that the APR affects the total cost of a card balance.

Late Payment Fees

Late payments can result in additional charges, so it's essential to pay on time. The late payment fee is typically a percentage of the outstanding balance, often around 5%. 

Missing payments can also affect your credit score. Always aim to meet the payment deadline to avoid these extra costs.

Interest-Free Grace Period Details

If you pay your balance in full each month, you can benefit from an interest-free grace period, which usually lasts about 30 days. 

During this time, no interest will be charged on new purchases. To avoid interest charges, pay the entire balance within the grace period.

Contact Information

If you need assistance with your card request or have questions, you can contact Orico Bank directly. Their main office is at 2-1, Kojimachi 5-chome, Chiyoda-ku, Tokyo 102-8503, Japan. You can reach them by phone at +81-3-5877-1111

The customer service team can assist you with any inquiries regarding your card. Be sure to have your application reference number ready for quicker service. Additionally, you can visit their website for more information.

Disclaimer: This guide is for informational purposes only. When applying for a card, always check the official terms and conditions.

Final Thoughts on Requesting Orico Card THE POINT

This guide teaches you the essential steps to request an Orico Card THE POINT. You can proceed smoothly from understanding the application process to knowing the required documents. 

Follow the steps carefully and gather all necessary information to avoid delays. If you have any concerns, customer service is available to assist. Apply confidently and enjoy the benefits of Orico Card THE POINT!