P-One Standard Credit Card: Learn How to Order

This article aims to simplify the process of ordering the P-One Standard Credit Card. By following our straightforward steps, you'll be equipped to secure this financial tool efficiently. 


We've distilled the essentials, focusing on the most critical aspects. Understanding these steps will ensure a smooth journey towards acquiring your new credit card.

Overview of a Basic Credit Card

Pocket Bank provides the P-One Standard Credit Card. It's designed for everyday use and offers basic financial features. If you need a simple credit option, you can apply for this card. 


The application process is straightforward, involving online steps and specific document submission. Eligibility criteria are set to ensure applicants meet the bank's requirements. This card includes features like reward points, cashback, travel benefits, and security measures for a safer spending experience.

Application Process: Quick Guide

Applying for this credit card is easy. You need internet access and your documents ready.


Online Application Steps

Before you start, know that applying online is quick and efficient. Here's how:

  • Visit the bank's official website.
  • Find the credit card section and select the standard card.
  • Fill out the application form with your details.
  • Upload the required documents.
  • Please review your application before submitting it.
  • Wait for the bank's approval notification.

Required Documents

Gathering the proper documents is crucial. Make sure you have:

  • A valid government-issued ID.
  • Proof of income, like recent pay stubs.
  • Proof of address, such as a utility bill.
  • Employment verification if applicable.

Tips for a Successful Application

To boost your chances, remember:

  • Ensure all information provided is accurate and up-to-date.
  • Check the document quality before uploading; clear scans are essential.
  • Be honest in your application; discrepancies can lead to rejection.
  • Patience is vital; wait for the bank's response without resubmitting.

Eligibility Criteria: Basic Requirements

To apply, you must meet the bank's essential criteria. This ensures fairness and compliance with financial regulations.

Age Requirements

Age matters for this application. Here's the breakdown:

  • You must be at least 18 years old.
  • There's no upper age limit, but creditworthiness is assessed.
  • Young applicants might need a co-signer.
  • Ensure your ID accurately reflects your current age.

Income Criteria

Income verification is part of the process. Key points include:

  • A steady income is required to qualify.
  • The bank specifies a minimum income threshold.
  • Proof of income must be recent and verifiable.
  • Different forms of income, such as wages or business revenue, are accepted.

Credit Score Prerequisites

Your credit history is crucial. Important aspects are:

  • A good credit score increases approval chances.
  • Past financial behavior is reviewed.
  • Minor issues might not disqualify you, but transparency is critical.
  • Improving your score before applying can be beneficial.

Features and Benefits Overview

It offers a range of features and benefits designed to enhance your spending and travel experience. Here, we'll cover the rewards, cashback, travel perks, and security measures with this card.

Reward Points System

With every purchase, you accumulate Pocket Points, which you can redeem for various rewards. These points are bonus rewards, meaning you get more value with each transaction. 

It's a straightforward way to benefit from your regular spending. Accumulating points is effortless and can yield significant savings over time.

Cashback Options

This credit card provides a 1% discount on billing, directly reducing your expenses. It's an uncomplicated way to save money on your purchases. This cashback is automatically applied, ensuring you always get the best deal. Over time, these savings contribute significantly to your budget.

Travel Benefits

Traveling becomes more rewarding with up to an 8% discount through the Pocket Card Travel Center. A 5% discount on rental cars is also available, making your travel plans more affordable. 

Card-included insurance offers loss and theft protection, ensuring peace of mind. These benefits make it an excellent choice for frequent travelers.

Security Features

Featuring features like loss and theft protection, your financial security is a priority. Optional services such as the pocket support and Car Life Hotline enhance your safety and convenience. 

These security measures ensure your account remains protected. With these in place, you can spend confidently, knowing you're covered against unforeseen issues.

Interest Rates and Fees: Overview

Understanding the interest rates and fees associated with your credit card is crucial. Here’s a simplified breakdown to help you grasp the essentials.

Annual Percentage Rate (APR)

The Annual Percentage Rate for purchases can vary significantly, ranging from 5.03% to 13.39% depending on your chosen repayment method. For cash advances, rates are slightly higher, between 14.95% and 17.95%

These rates determine the cost of borrowing on your card. Remember, paying your balance in full each month can help avoid these charges.

Late Payment Fees

If you miss a payment, late fees will be applied to your account. To avoid these charges, it is vital to make at least the minimum payment. 

These fees can add up, impacting your credit score and the cost of borrowing. Setting up reminders or automatic payments can help avoid these penalties.

Other Applicable Charges

Other charges, in addition to the APR and late fees, include a free annual fee and specific rates for installment or revolving credit options. 

Installment fee rates are 17.95%, similar to the shopping revolving payment fee rate. Being aware of these can help you manage your credit more effectively.

Customer Support

Adequate customer support is vital for any credit card issues. The bank offers comprehensive support through various channels to assist you.

Support Details

If you have any inquiries or issues, contact the bank directly at 81-3-5441-3450. The headquarters are at Sumitomo Fudosan Onarimon Tower, 1-1-1 Shiba Park, Minato-ku, Tokyo, 105-0014, Japan. 

This contact information ensures you're just a call or a visit away from getting your needed support. Remember, the customer support team is ready to assist you, whether it’s a lost card or a billing question.

Disclaimer: Rates and information may change, underscoring the need to stay updated with the most current card details for accurate and effective management.

Conclusion: Mastering Your P-One Standard Credit Card

Ordering the P-One Standard Credit Card involves understanding its rates, fees, and support services. This guide has equipped you with the knowledge to navigate these aspects efficiently. 

Remember, managing your card wisely includes keeping abreast of changes and utilizing customer support when needed. With this information, you’re ready.