Nowadays (in this 2017) its very very easy to obtain a credit card in Cameroon and any part of Africa.
The easiest way/means to get a credit card in Cameroon and other african countries is through the United Bank for Africa (UBA).
The United bank for Africa offers a very affordable (cheap) type of credit card called UBA Africard. The picture below shows you how the UBA Africard looks like.
I,m very sure you must have seen the credit card before. Its the most common type of credit card in Cameroon.
The UBA Africard is very affordable (easy to obtain) because applicants of the UBA Africard don,t need to open a bank account with the UBA bank in order to be issued the UBA Africard credit card unlike the debit cards.
The UBA Africard is an empty prepaid visa card that anybody can buy from the UBA bank with just 10,000frs to store cash (without opening an account with the UBA bank). The cash deposited in your UBA Africard, can be used to shop online.
For example if you wish to buy a 25000frs Android smartphone from the Jumia Cameroon online store today, you just need to go to your nearest UBA Branch with the 10,000frs application fee and apply for the UBA Africard card and you will be issued an empty UBA Africard credit card. After obtaining the card, you just need to deposit 25,000frs in to your card and then use the funds in your credit card to buy the 25,ooofrs smartphone from Jumia Cameroon online store or any online store. As easy as ABC.
Your UBA Africard credit card is just like your online shopping wallet (your e-wallet). Whenever you want to buy any product or pay for any service online, you just need to deposit an amount in to your card which is equivalent to the price/fee of the product or service you wish to pay for and then use your UBA Africard visa credit card to pay for the product or service.
Requirements and procedures on how to obtain a UBA Africard credit card from the UBA banks in Cameroon.
Before going to your nearest UBA branch to apply for the UBA Africard visa card, you will need the following items.
- 4 passport size photographs (taken red background).
- A Photocopy of your birth certificate.
- A photocopy of your National Identity card (ID card).
- 10,00ofrs (the application fee). In other words, it will cost you just 10,000frs to obtain the UBA Africard visa card.
- A photocopy of one of your utility bills like electricity bill, water bill or any bill that clearly indicates your house address. The people who don,t have any utility bill (like the students) will be asked to draw a sketch route map from their nearest UBA branch to their house. The Sketch route map is just to tell UBA the location of your house.
UBA just want to know where you live for your own good. If you don,t know how to draw the sketch route, you can just tell one of the UBA agents where you live and he or she will help you to draw a sketch route from their branch to your house.
Summarily, the 3 things you need in order to obtain a MyUBAAfricard from UBA is just 4 passport size photograph, a photocopy of your birth certificate and national identity card.
After you have gotten all the above items, run to your nearest UBA bank and apply for the MyUBAAfricard.The UBA bank has branches in almost all the African countries. Use the search bar below to find your nearest UBA branch.
After arriving at your nearest UBA bank, please tell the UBA agent incharge that you wish to apply for the UBA Africard and the UBA agent will give you UBA Africard application form to fill.This is how the form looks like.
Carefully fill the form with the required information and feel free to ask for help incase you don,t understand something. The UBA agent will be very happy to help you.
After you have completely filled out the application form, you will be asked to submit your 4 passport size photographs and also the photocopy of your birth certificate and ID card.
Like i told you before, you may also be asked to submit a photocopy of the receipt of one of your utility bills like water or electricity bills or the photocopy of any bill that has your address written on it. If you don,t have that, you will be asked to draw a sketch route from your nearest UBA branch to your house. To aviod the headache, just tell the UBA agent to help you draw it. Thats what i did when applying for my own MyUBAAfricard.
Ok after you have done all that, you will be given the account number of your UBA Africard credit card, to make your initial (first) deposit. Your Initial deposit must not be less than 10,000frs because 10000, needs to be deducted from your UBA Africard account as the application fee of your credit card.
In my case, i deposited 12,000 frs in to my UBAAfricard account and 10,000frs (the application fee) was automatically deducted and 2000frs was left in my credit card account. Thats the way UBA collects their MyUBAAfricard application fee.
After you have deposited the 10,000frs application fee in to your MyUBAAfricard account, you will be given a device to enter your 4 digit ATM pin code and your online shopping pin in order to activate your UBA Africard . Please make sure that you enter a 4digit pin that is hard to guess. Pin numbers like 1234,0000, are very easy to guess.
Ok after you have entered your ATM and online pin, yourUBA Africard credit card will be issued (handed over) to you instantly. You can now leave the UBA bank with your new credit card and start shopping online.
How to activate your UBA Africard.
There are some UBA branches that doesn,t help the UBA Africard applicants to activate their UBA Africard( maybe because they lack the device that enables them to do that).
They will just issue you the UBA Africard and tell you to go and activate it by yourself. It should be noted that if you don,t activate your UBA Africard, you won,t be able to shop online with your UBA Africard or even withdraw funds from your UBA Africard through an ATM machine.
If you were asked to activate your UBA Africard by yourself, just follow the simple procedures below to quickly activate it. Its very easy!!! (maybe that,s why they want you to do it by yourself). Within 2 minutes your credit card will be fully activated and ready for you to use.
Steps to activate your UBA Africard for online shopping.
To activate your UBA Africard for online shopping, you just need to change the default online pin of your UBA Africard and the your card will be activated. This is how to change the default pin.
Step 1. Type www.myubaafricard.com to go the UBA Africard official website.
Step 2. After arriving at the UBA Africard website, just click on the verified by Visa link and then enter the default online pin code of your UBA Africard and your new 4 digit online pin code.The default online pin code is often written on the envelope that your UBA Africard was issued with.
Ok after you have done that, just click on the chnage pin button below and you are done. As easy as ABC. You can start shopping online.
However your UBA Africard isn,t fully activated yet. You still need to activate it for ATM withdrawal by also changing the default ATM pin code of your UBA Africard. Take note that if you don,t activate your card for ATM withdrawal, you won,t be able to withdraw funds from your card through an ATM machine. To activate your card, you just need to activate your change the default ATM pin code. Follow the simple procedures below to change it.
Step 1. Go to the UBA Africard website.
Step 2. Click on the manage pin link.
Step 3. Enter your default ATM pin and your new pin and then click on the change pin button below. Your UBA Africard will now be activated.
Whenever you want to withdraw cash from your UBA Africard through an ATM, use your new ATM pin code and not your default pin.
Ok now your UBA Africard is now fully activated.