Are if Looking for a credit card that works internationally without foreign transaction fees? Look no further than the Zolve Credit Card! It is specially designed for students and working professionals.
♦ The Credit Card offers a high credit limit and amazing rewards when you transact at popular stores in the U.S. You can sign up for both the credit card and bank account from India itself, ensuring that your finances are sorted even before you land in the U.S. With Zolve, you’re covered from the very beginning. ♦
In this blog post, we’ll explore all the features and benefits of the Zolve Credit Card in detail, so you can decide if it’s the right card for you. Whether you’re a student or a working professional, it will help you in both cases. So let me first highlight
Major benefits of the Zolve credit card are:-
- High Credit limit of up to $10,000
- 0% APR for the first six months
- Up to 10% cashback on 10k+ marquee brands
- No annual fees
- No foreign transaction fees
- No U.S. Credit history or SSN required
- 5 min application process
Credit limits of Zolve credit card
When you apply for this card, there’s no annual, point transaction, or application fee. This card gives students a credit limit of 5,000 and 10,000 dollars to working professionals.
How to apply for Zolve Credit Card
- step-1 First, you have to do is log in to the website. (website link mentioned below)
- step-2 click on get started present in the top right corner.
- step-3 fill up all the details for creating your account
- step-4 Upload documents like your passport, visa, and i20 or offer letter. (Depending on whether you’re a working professional student, etc.)
- step-5 Once you’re done with that, you can activate your account within the given date.
Documents you need to apply for the Zolve credit card
If you’re a student, you’ll need these documents:
- PAN Card
- Valid Passport
- Valid Visa
- I-20 Form
For working professionals, documents needed:
- PAN Card
- Valid Passport
- Valid Visa
- Offer letter from your employer
Who can apply for Zolve Credit Card
- If you’re a student going for fall 22,
- A working professional or any of these people will be in the USA in three to six months.
- living in the USA or outside of the USA.
Apply for a Zolve credit card – click here
Features of Zolve Credit Card
♦ There is absolutely no application fee.
♦ There’s no minimum balance requirement. You can spend wherever you want. You can buy whatever you want without worrying about not maintaining your minimum balance.
♦ This account is FDIC insured up to 250 000 through the partner bank. Your money is protected, and you don’t need to worry about it, even in the case of a bank failure.
♦ This comes with free atm withdrawals at any money pass atms. There’s a 24×7 in-app chat available, which you can leverage to get in touch whenever you face any issues.
♦ It comes with no social security requirement. You do not need to have an SSN (social security number). ssn is it’s a unique number you get once you start working a job in the USA. If you land in the USA on the first day, you need a credit card. Of course, you won’t have a job then. That means you’re not going to have a social security number.
Financial challenges for first-time students or professionals visiting the US.
- Number one is that you do not have any credit history in the country, even though you may be very well off financially. You may have an excellent financial track record in your country. That doesn’t hold any significance in the USA, so you’re not eligible for low-interest rate loans, big-ticket purchases, and insurance.
- your domestic trade history is invalid in the USA. If you check, forex cards are costly, and they also have a limit to which you can USE them. Also, Carrying cash is hard, and the U.S. government has a lot of flight requirements that you cannot carry more than this amount of cash, etc.
All these issues can be solved just by having a Zolve credit card. You can start using it when you land in the united states. Your credit history, an important requirement by these credit card companies, will be fine because this Card has managed to solve that for you.
How is this credit card solving major financial problems?
I will tell you briefly so you can apply for a resolved u.s account credit card. Right here from your country, you don’t need to be in the united states to apply for it.
This is an entirely online process, and your card is activated as soon as you land in the united states. Some advantages are that working professionals and students can apply.
On top of that, you start building your credit history from day one. The moment you begin transacting through that card that starts adding to your USA credit history. You need only five min to apply online.
How I got my card and use it
I got my card within a week. And I activated it and started spending it. At first, my purchase was a phone and a laptop. Within the first few days, I spent 1700 dollars.
How to repayment of Zolve credit card in installment
Now the best thing is that they give you a window of 15 months 0 Apr., which means I purchased around 1700 dollars. Now I pay 170 every month. Only you need to pay 10 percent of the principal amount.
The min when I started was 1700. I paid 170, and it was reduced. If you’re taking thousand dollars, you must pay only 100 a month, which goes to 900. if you want, you can pay 90 or 100 to make it 800, so it decreases like that eventually.
In a window of 15 months, you can easily pay off the bill. It’s not like you pay 1500 at once and get stuff if you know it hurts. Because we guys spend a lot of money to come to us and do masters or undergrad, it is not cheap, you know, it’s costly in the USA.
So this system plays a good part in student’s life. It gives you a window of 15 months every month to pay your cards, like paying your bills monthly. Monthly for just ten, that’s 10 percent of your principal amount. That’s wonderful.
more credit cards from Zolve:-
Zolve Azpire credit Card
Anyone can get approved for this card, which won’t require a credit check or a security deposit. It’s the new Zolve Aspire card. It has the potential to lead down the path of receiving up to a five thousand dollar credit limit.
apply for zolve azpire credit card- Click here
Features
- No fees or security deposits: The Zolve Aspire card is free and ideal for those starting to build their credit or looking to improve their credit score.
- Functions like a debit card: Deposit any amount you’re comfortable with, and that becomes your credit limit. This prevents overspending and keeps you out of debt.
- Boost your credit score: The Aspire card reports to all three credit bureaus in the U.S., helping you build your credit score without the risk of debt.
- Accessible application process: Apply for a checking account using your social security number, tax identification number, or passport. No credit check is required, ensuring a risk-free application that won’t harm your credit score.
Advantages:
- Flexible credit limit: Deposit any amount into your FDIC-insured Dissolve account, and that becomes your credit limit, allowing you to build credit within your budget.
- Everyday use without credit score impact: Use the Aspire card for daily expenses without negatively affecting your credit score, thanks to comprehensive reporting to all three credit bureaus in the U.S.
- Additional benefits: Signing up for the Aspire card grants access to extra perks such as free international money transfers, exclusive deals on auto loans, health, pet, and renters insurance, among other fantastic advantages.
- Eligibility without a credit check: The Aspire card is available to individuals with limited credit history or past credit challenges. Even with a small balance in your account, you can deposit funds into your Zolve account and start using the Aspire card to build your credit.
FAQ’s
Who is eligible for the Zolve credit card?
The Zolve credit card is available to international students and immigrants in the U.S. who are at least 18 years old. And have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
How do I apply for the Zolve credit card?
You can apply for the Zolve credit card on the Zolve website. The application process is quick and easy, and you will typically receive a decision within minutes.
How long does it take to receive the Zolve credit card?
Once your application is approved, it typically takes 7-10 business days to receive your Zolve credit card in the mail.
Can I use my Zolve credit card internationally?
You can use your Zolve credit card internationally without any foreign transaction fees. Just make sure to notify Zolve before travelling to avoid any potential issues with your card.
What do I do if I have questions about my Zolve credit card?
Suppose you have any questions about your Zolve credit card. In that case, you can contact Zolve customer support via email, phone, or live chat.
How much cashback can I earn with the Zolve credit card?
With the Zolve credit card, you can earn up to 1.5% cash back on eligible purchases. This includes 1% cashback on all purchases and an additional 0.5% cash back on purchases made outside of the U.S.
Is there a limit to the cashback I can earn with the Zolve credit card?
No, there is no limit to the amount of cashback you can earn with the Zolve credit card. You can earn cashback on all eligible purchases, and there is no cap on your earnings.
How can I redeem my cashback rewards with the Zolve credit card?
You can redeem your cashback rewards with the Zolve credit card anytime. There is no minimum redemption amount. You can receive your cashback as a statement credit or a direct deposit to your bank account.
What is the credit limit for the Zolve credit card?
The credit limit for the Zolve credit card will depend on your creditworthiness and financial situation. Zolve will determine your credit limit based on your credit history, income, and debt-to-income ratio.
Can I request a credit limit increase with the Zolve credit card?
Yes, you can request a credit limit increase with the Zolve credit card after six months of responsible credit use. Zolve will review your account and credit history to determine if you qualify for a credit limit increase.
Is there a penalty for late payments with the Zolve credit card?
Yes, there is a penalty for late payments with the Zolve credit card. You may be charged a late fee of up to $39 if you do not make your minimum payment by the due date.
Are there any other fees associated with the Zolve credit card?
In addition to late fees, other fees may be associated with the Zolve credit card, such as cash advance fees, balance transfer fees, and returned payment fees. You can review the full terms and conditions of the card on the Zolve website.
Can I transfer balances from other credit cards to the Zolve credit card?
Yes, you can transfer balances from other credit cards to the Zolve credit card. However, there is a balance transfer fee of either $5 or 5% of the transfer amount, whichever is greater.
Can I add authorized users to my Zolve credit card?
Yes, you can add authorized users to your Zolve credit card. Authorized users will have their cards and can purchase using your credit limit. However, as the primary cardholder, you will be responsible for paying any charges made by authorized users.
How can I manage my Zolve credit card account?
You can manage your Zolve credit card account online or through the Zolve mobile app. You can view your balance, make payments, and make transactions.
How can I pay my Zolve credit card bill?
You can pay your Zolve credit card bill online, by phone, or by mail. You can also set up automatic payments to ensure your bill is paid on time each month.
What happens if my Zolve credit card is lost or stolen?
If your Zolve credit card is lost or stolen, you should report it immediately by contacting Zolve customer support. Zolve will deactivate your card to prevent unauthorized charges, and you will receive a new card in the mail.
Is the Zolve credit card a secured credit card?
No, the Zolve credit card is not a secured credit card. It is an unsecured credit card that requires a credit check based on your creditworthiness.
Is there a foreign transaction fee for using the Zolve credit card abroad?
No, there is no foreign transaction fee for using the Zolve credit card abroad. You can use your card for purchases overseas without incurring any additional fees.
Can I use my Zolve credit card to withdraw cash from an ATM?
Yes, you can use your Zolve credit card to withdraw cash from an ATM. However, there is a cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater.
Does the Zolve credit card offer any additional benefits or perks?
Yes, the Zolve credit card offers additional benefits and perks, such as travel accident insurance, extended warranty coverage, purchase protection, and more. You can review the full list of benefits on the Zolve website.
What credit score do I need to qualify for the Zolve credit card?
The credit score required to qualify for the Zolve credit card will depend on your creditworthiness and financial situation. Zolve will review your credit history, income, and debt-to-income ratio to determine if you qualify for the card.
How long does it take to receive my Zolve credit card in the mail?
Once you are approved for the Zolve credit card, it typically takes 7-10 business days to receive your card in the mail.
Can I cancel my Zolve credit card at any time?
You can cancel your Zolve credit card anytime by contacting Zolve customer support. However, cancelling your card may impact your credit score and history.
Is there an annual fee for the Zolve credit card?
No, there is no annual fee for the Zolve credit card.
Is the Zolve credit card available to international students in the United States?
Yes, the Zolve credit card is available to international students in the United States. However, you must have a Social Security number or Individual Taxpayer Identification Number (ITIN) to apply.
Does the Zolve credit card have a grace period for purchases?
Yes, the Zolve credit card has a grace period for purchases. You will have 25 days from the close of each billing cycle to pay your balance in full and avoid interest charges.
Is the Zolve credit card accepted everywhere Visa is accepted?
Yes, the Zolve credit card is accepted anywhere that Visa credit cards are accepted, both in the United States and internationally.
Hi there, I’m shiv singh, a financial advisor at Tata Group with a Master’s degree in Commerce from SRCC – Shri Ram College of Commerce. With over three years of experience in the financial sector, I possess a wealth of knowledge and expertise that I share through my blog posts on FinancialMajestic.com. Join me as I simplify complex financial concepts and empower readers with valuable insights.