ANA JCB Wide Gold Credit Card - Discover How to Apply -

The ANA JCB Wide Gold Credit Card is a premium travel credit card for frequent flyers.

It offers ANA mileage rewards, travel insurance, and exclusive privileges for JCB cardholders.

The card provides competitive benefits for those who regularly book ANA flights and use JCB-affiliated services.

Eligibility Criteria

Applicants must meet specific requirements before applying.

Must be at least 20 years old at the time of application.
Must have a stable and verifiable source of income.
Japanese residency or a valid work permit may be required.
A good credit history improves approval chances.
Some banks may impose additional financial requirements.

Required Documents

Providing the correct documents ensures a smooth application process.

Identification: Government-issued ID (passport, residence card, or My Number card).
Proof of Income: Recent salary slip, tax return, or bank statement.
Proof of Address: Utility bill, rental agreement, or bank statement with a current address.
Employment Verification: Company-issued employment certificate (if required).
ANA Mileage Club Number: Needed if linking the card to an existing mileage account.

Application Process

The card application can be completed through multiple channels.

Online Application:
- Visit the ANA or JCB official website.
- Fill out the application form with personal and financial details.
- Upload the required documents and submit the form.
In-Person Application:
- Visit an ANA service center or a JCB partner bank.
- Submit a physical application form with supporting documents.
Phone Application:
- Call customer service to request an application form.
- Complete the form and mail it with the required documents.

Approval Process

The approval process evaluates the applicant’s financial standing and creditworthiness.

Processing typically takes one to three weeks, depending on verification needs.
A thorough credit check is conducted to assess repayment capability.
Applicants with a strong credit score have a higher chance of approval.
Additional verification may be requested via email or phone.
Notification of approval or rejection is sent by mail or email.

Tips for a Successful Application

A well-prepared application increases the chances of approval.

Maintain a good credit score to enhance financial reliability.
Ensure that all personal and financial information is accurate.
Have a stable income source and avoid excessive debt before applying.
Submit all required documents in the correct format.
Avoid applying for multiple credit cards simultaneously, as it may impact your credit score.

Card Activation and First Use

Once approved, cardholders need to activate their card before use.

Call the designated activation hotline or activate through the JCB online portal.
Set up a secure PIN for ATM withdrawals and specific transactions.
Check the spending limit and terms of use to avoid declined transactions.
First-time use may require manual verification at select merchants.
Enable international transactions if planning to use the card abroad.

Interest Rates and Fees

Understanding the interest rates and fees helps applicants manage costs effectively.

Below is a breakdown of the charges associated with the ANA JCB Wide Gold Credit Card.

Interest Rates

These rates apply to balances carried beyond the due date.

Purchase Interest Rate: Approximately 15.0% per annum on unpaid balances.
Cash Advance Interest Rate: Ranges from 15.0% to 18.0% per annum, depending on the transaction type.
Installment Payment Interest: Varies based on the selected installment plan and financial institution.
Revolving Credit Interest Rate: Typically 15.0% per annum on outstanding balances.

Fees and Charges

Cardholders should be aware of the following fees:

Annual Membership Fee: Around ¥15,400 (including tax).
Supplementary Card Fee: Approximately ¥2,200 per card annually.
Foreign Transaction Fee: Typically 2.2% of the transaction amount for non-JPY purchases.
Cash Advance Fee:
- Domestic ATM Withdrawals: Around 3.0% of the withdrawn amount.
- International ATM Withdrawals: This may include additional service fees from partner banks.
Late Payment Fee:
- Revolving and Installment Credit Payments: Around 14.6% per annum on overdue amounts.
- Cash Advance Repayments: Interest applies until full repayment is made.
Card Replacement Fee: Usually ¥1,100 for lost or damaged cards.
Over-limit Fee: Charges may apply if the cardholder exceeds the credit limit.
Cancellation Fee: There is no fee for voluntary cancellation, but outstanding balances must be cleared.

Benefits and Rewards

The ANA JCB Wide Gold Credit Card offers exclusive perks for cardholders.

Mileage Accumulation: Earn ANA miles on everyday purchases and flight bookings.
Bonus Miles: Extra miles for ANA flights and partner merchant transactions.
Travel Insurance: Coverage for flight delays, cancellations, medical emergencies, and lost baggage.
Airport Lounge Access: Complimentary entry to select lounges for a more comfortable travel experience.
Shopping & Dining Discounts: Exclusive promotions at JCB partner restaurants and retail stores.
Special Promotions: Limited-time offers on flights, hotels, and travel packages.

Security Features and Fraud Protection

The card includes advanced security features to protect against fraud and unauthorized transactions.

Real-Time Fraud Monitoring: Suspicious transactions are flagged automatically.
One-Time Passwords (OTP): Extra security for online purchases.
EMV Chip Technology: Provides enhanced protection against counterfeit fraud.
Contactless Payment Security: Limits apply to small purchases for safety.
Lost or Stolen Card Protection: Immediate card blocking and emergency replacement services.
Transaction Alerts: Get notified of large or unusual transactions.

Customer Support and Assistance

For assistance with your ANA JCB Wide Gold Credit Card, several customer support options are available to address various needs.

General Inquiries and Account Management

For questions about your account, billing, or to update personal information:

JCB Information Center (Japan):
- Phone Numbers:
  - Tokyo: 0422-76-1700
  - Osaka: 06-6941-1700
  - Fukuoka: 092-712-4450
  - Sapporo: 011-271-1411
- Hours of Operation: 9:00 a.m. to 5:00 p.m., daily.

ANA Mileage Club Support

For inquiries related to your ANA Mileage Club account:

ANA Mileage Club Service Center (Japan):
- Phone Number: 0570-029-767
- Hours of Operation: Monday to Friday: 9:00 a.m. to 7:00 p.m.; Saturday: 9:00 a.m. to 5:00 p.m. (Closed on Sundays and national holidays.)

International Support

For assistance while traveling abroad:

JCB International Support:
- Phone Number: +81-3-5778-8379
- Availability: 24 hours a day, 365 days a year.

Managing Your Account

Regular monitoring and management of the card ensure better financial control.

Online Banking: Check transaction history, balances, and statements.
Mobile App: Manage payments, monitor spending, and receive notifications.
Auto-Pay Enrollment: Set up automatic payments to avoid late fees.
Spending Limits: Adjust limits to manage expenses and enhance security.
Alerts and Notifications: Receive updates on due payments and suspicious activity.

The Bottomline

The ANA JCB Wide Gold Credit Card provides travel perks, mileage rewards, and strong security for frequent travelers.

With a smooth application process and accessible customer support, cardholders can enjoy exclusive benefits while managing their finances effectively.

Apply today through the ANA or JCB website and start earning rewards on your everyday spending.

Disclaimer

Card details, including eligibility, fees, and benefits, may change, so they should be verified with ANA or JCB.

Terms and conditions set by the issuer apply, and approval is not guaranteed.