How To Buy Credit Card Online. Full Details


In this post, I am going to take you through how you can buy a credit card online in Ghana, and other relevant information about credits that will be of great help to you. 

But first, before I get into the details, let’s briefly explain what credit cards are all about for the benefit of readers who are not familiar with them.  

About Credit Cards 

A credit card is a sort of payment card that uses a line of credit rather than the account holder’s cash deposits to make purchases. When someone makes a purchase with a credit card, their account accumulates a balance that must be paid off each month.

While not paying off a credit card on time can result in interest and late penalties, credit cards can also help users establish a good credit history.

The card issuer (typically a bank or credit union) opens a revolving account for the cardholder and extends a line of credit from which the cardholder can borrow money for merchant payments or cash advances.

Consumer credit cards and business credit cards are the two types of credit cards available. The majority of the cards are plastic, however, there are a few metal cards (stainless steel, gold, palladium, and titanium) as well as a few gemstone-encrusted metal cards.

Now let’s turn our attention to the main reason why you clicked on this post. 

How To Apply For Credit Card Online

Below are the steps on how to buy a credit card online if you are in Ghana.

1. Visit

2. Click on credit cards

3. Choose the credit card of your choice.

4. Click on Apply now

5. Fill in your details and verify with OTP to submit your application.

6. Click on submit.

7. There! you are done. Wait till your application is approved. 

The usual credit card fees you can incur in Ghana are:

You could pay up to a 3% transaction fee on the amount of each transaction, which quickly adds up.
Sometimes, a vendor might give you the option to pay in US dollars. Doing so gets you a Dynamic Currency Conversion (DCC). If accepted, you could pay additional fees and get a poor conversion rate.

Benefits of a Credit Card

Below are some benefits of owning a credit card.

  • Opportunity to build credit.
  • Earn rewards such as cashback or miles points.
  • Protection against credit card fraud.
  • Free credit score information.
  • No foreign transaction fees.
  • Increased purchasing power.

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