ASB Bank

ASB Bank - Quality banking products

It is very difficult to find a credit card that can do exactly what you want it to do. Normally, you will find that most banks don’t consider the different financial circumstances that households have.

There are people who can afford the charges of a credit card and there are families who barely don’t have money to survive and can’t afford to have an additional debt to their name.

We understand our client's financial needs

ASB Bank understands that the needs of clients won’t be the same, but that shouldn’t stop ordinary people from living a good and financially free life. Our credit cards have been designed to satisfy every customer, regardless of the amount of money they get in their bank account. We are not directing our services to one financial group, we help everyone from the highest paid employee in a company to the lowest earning staff worker.

A different credit card for a different you

Judging from the amount you make per annum and the lifestyle that you live, you will be allocated a credit card that fits these specifications. We will never give you a credit card that is more than your budget.

Furthermore, we also don’t want you to pressurize yourself with putting yourself in a difficult financial position. At the end of the day, we want you to be able to breathe. In essence, you should be able to pay your debts without feeling that your credit card charges are taking too much on your monthly budget and frequent expenditure.

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Although we can’t stop you or take final decisions on your behalf, we can always advise you on what we think is best for you to do. Nevertheless, if you feel that you will be capable of paying two credit cards at the same time, we will not stand in your way.

However, we must mention that it is usually too much financial pressure for the customer and that is why we usually recommend that the client should only have one but we will support either decision you make. We just don’t want you to have too many expenses to take care of especially when you can be able to survive with one credit card.

Adhering to the terms and conditions

It is very important to follow the rules of a written agreement. It is for this reason why we request the client to carefully read the terms and conditions of your credit card. We have realized that customers have a tendency of just signing the contract without reading it and going into further detail.

This poses a problem when an issue arises and the customer isn’t aware of the rules and regulations that were stipulated in the contract, however, it was a requirement that they read and understand it.

Therefore, we urge our clients to only sign after they have understood all their responsibilities and what is expected of them going forward. This way, we will know for certain that they read and understand the credit compliance.