When I started marketing newly, my biggest hurdle back then was getting a credit card for making purchases online. I needed a way to make payments for internet marketing ebooks and software, but couldn’t get the credit card required for those payments. Later on I was introduced to virtual visa credit cards, but the fees were just too high, and it didn’t just work for me.
Introducing Nigerian’s Own Credit Cards
Things have greatly improved over the years, getting a credit card in Nigeria has become relatively easy, and in most cases you get your card same day you apply for it.
Currently I make use of Zenith’s bank web surfer card, and Guaranty Trust’s Visa classic card. Both of them work extremely well, and you can opt for any. I was originally using the Zenith web surfer card (I still do), but I found out I needed more flexibility with my card and my money, I had to apply for the GTB’s Visa classic card. I find funding and usage of my GTB’s Visa classic card easier as this is directly added to my GTB account. Well, this isn’t a post on comparison, so I wouldn’t go further than this. Besides both of them are good and OK for online transactions.
I use both of them for shopping, registering domain names, paying for auto-responder service, paying for my web host, and so many other things.
How To Apply For a Zenith Web Surfer Card
This is relatively easy, and you get your card same day you apply for it, though you’ll need $120 as a first time applicant. $100 will be deposited into your account for your spending, while the $20 is for setting up of your card.
Before going over to one of their branches to get your card, you must first apply for it on their website, and here’s a direct link to Zenith Web Surfer Card online application.
You’ll need either your drivers’ license, National ID card or an international passport to complete the form.
As soon as you complete the form correctly with your details, click on the “Save” link. Another window will appear asking you to verify the details you supplied. if you’re sure there weren’t any mistakes, just click on “Submit This Form”. You’ll get a confirmation message with a reference number. Write the reference number down and take it with you to the Zenith bank branch you chose in your registration.
Don’t forget to go along with your $120 notes or more if you need more fund. $100 will be credited to your account, and the remaining $20 will go to the bank. Your card will become usable within 3days (it’s usually less than that) of application.
Adding Funds To Your Web Surfer Credit Card
After you must have depleted the $100 or which ever amount you first loaded during registration, and you wish to add more funds for more spending. Simply change your Naira notes into the required dollar amount (this time, you can fund with any amount. They deduct $5 anytime you fund your account), and head to any branch of Zenith bank to pay into your web surfer account. The money will be credited into your account within 24hrs for you to spend and enjoy yourself with.
How To Get a Credit Card From Guaranty Trust Bank (GTB)
GTBank has good and updated information on how to apply for their cards on their website.
The cards offered by both banks are all OK in my opinion, go for any one that interests you the most.
This is all you need to know (I believe) to get a working credit card for your online business transactions. You can also opt for an international credit card, like payoneer debit mastercard which you can get for free.
If you have any question or you wish to add to my post, kindly make use of the comment box.
You might also want to subscribe to my RSS feeds (if you have not done that already), to get notified as soon as I publish new contents.