What exactly is Tomo Credit and why should you get to know it better?

I take a card that was developed for all your needs, follow your benefits and facilities

With the promise of making everyone’s financial decisions easier, the company Tomocredit was founded by immigrants and seeks to ensure that everyone can access a credit card according to their needs, even without having a good credit score.

That way, your credit card can be applied for without you having a high score to get approved, but it still offers higher limits than you might think for your users.

That’s why it has won over so many people who need a credit card, have the capital to do so and want to achieve a healthier and more balanced financial life.

In addition, the company invested in diversity among its professionals, which generated some publicity for Tomocredit and provided the credit card with a lot of popularity.

What are the rewards for using a Tomo Credit Card?

As stated at the beginning, the Tomo credit card was designed to serve mainly people with low credit scores. So your reward is 1% cashback for every purchase, which may seem like little when compared to premium cards for people with high scores.

But for people with low credit scores, this is not common to find. These types of credit cards do not usually offer any type of bonus or reward.

If you want to secure a reward card, continue to learn more about Tomo’s benefits.

Theft and fraud protection with Tomo

You sure know someone who has been a victim of fraud or theft, don’t you? With that in mind, having a card that can protect you against this is very important. The Tomo credit card already comes with some measures against this type of thing, ensuring more security.

If your card is stolen, your entire purchase will be refunded as there is a liability protection clause for the card. In other words, you won’t have to pay for these purchases.

In situations where a problem occurs, simply request emergency assistance in any language, and you can block or replace your stolen card quickly. In addition, an identity protection program is activated, sending warnings by email in case of suspicious activities.

Interest rates for Tomo Credit Card

One thing needs to be clarified: although it seems that Tomo credit card does not charge any interest fees, this is actually because it does not allow you to have a balance.

When you apply for your card, you need to set it up and connect it to a bank account to make your automatic payments, paying your bills in full each month. Because you have no balance, there are also no interest rates.

If you tend to struggle with your money, we advise you not to choose a credit limit that is too high, so you can guarantee full payment every month.

Wondering how to apply for your Tomo credit card? Check it out!

Tomo Credit Card application process

Even without a good credit score requirement, the Tomo credit card is not pre-approved for everyone. You need to complete an application process, providing all your personal information to request it.

After the company verifies all of your details, you will be pre-approved and receive an invitation to apply for your credit card. Although it is a simple process, it is still possible to have your card denied, as a second check of your personal data, income and bank details is done.

Is Tomo the best option in the market?

The Tomo credit card is intended for a specific type of audience. When compared to other premium credit cards, it will naturally be a little more limited.

But not all people have a good enough credit score to get a premium credit card, which makes Tomo an excellent choice for these people.

It is worth emphasizing that you always need to pay your bills in full, because if you leave it to pay later, some interest may be added.

If you fall into the group of people who want to build a good financial history and boost their credit score, don’t worry! The Tomo credit card will fit right in.

How to Apply for Tomo Credit Card

Step 1: Visit the Tomo Credit Card Website

Go to the official Tomo Credit Card website. Look for the “Apply Now” button, typically featured prominently on the homepage.

Step 2: Check Eligibility

Before applying, you might be asked to check your eligibility. Enter your basic information, such as name and email address, to see if you pre-qualify for the card.

Step 3: Create an Account

If you’re pre-qualified or ready to apply, you’ll need to create an account with Tomo. Provide your email address and create a password to set up your account.

Step 4: Complete the Application Form

Log in to your Tomo account and complete the application form. You’ll need to provide personal details, including your name, address, date of birth, and Social Security number. You’ll also need to enter information about your income and employment status.

Step 5: Review Terms and Conditions

Before submitting your application, carefully review the card’s terms and conditions, including the interest rate (APR), fees, and credit limit. Ensure you understand the card’s costs and benefits.

Step 6: Submit Your Application

Once you’ve filled out the application form and reviewed the terms, click the “Submit” button to send your application for approval.

Step 7: Wait for Approval

You’ll usually receive an instant decision on your application. If additional information is needed, Tomo may contact you. If approved, you’ll get a confirmation email and further instructions.

Step 8: Activate Your Card

After receiving your Tomo Credit Card, follow the activation instructions included with the card. This typically involves logging into your account or calling a designated phone number.

Step 9: Start Using Your Card

Once activated, you can start using your Tomo Credit Card for purchases, both online and in-store.

By following these steps, you can easily apply for and begin using your Tomo Credit Card!