アコム公式アプリ myac カードローン・クレジットカード

Description

For your first card loan, cash advance, or credit card, leave it to ACOM, a member of the Mitsubishi UFJ Financial Group. With the app, you can borrow 24 hours a day, 365 days a year! With a response to the screening in as little as 20 minutes*, you can get a credit card issued on the same day. It's safe even for those who are in a hurry. Also, for first-time users, interest is 0 yen for up to 30 days. There are no registration fees or annual fees.
* Depending on the application status, we may not be able to meet your request.

ACOM's official app
my ac is an app that allows you to check your borrowing, repayment, and usage status with just your smartphone. You can also submit documents from here.

[Main functions]
■Easy login with biometric authentication
You can log in using fingerprint authentication or face authentication.

■Check your usage status at a glance
You can check the available amount and repayment date on the top page.
You can borrow, repay, increase, and perform various procedures from the app.

■Transfer in as little as 10 seconds 24 hours a day
Transfer to a financial institution account in your name without any fees. Of course, you can complete the procedure through the app.

*The time of transfer will vary depending on the financial institution you use.

■Notification by push notification
You will be notified of the payment date by push notification three days before and on the day.

■Submit documents required for application through the app
You can take a photo of your driver's license or income certificate and submit it as is.

[First time with Acom]

■Acom's four major benefits
1. 0 yen interest for first-time users. 0 yen interest service is currently in progress. For first-time users, no interest will be charged for 30 days from the day after the contract date.

2. Speedy screening OK. We will teach you the shortest route to borrowing. Same-day transfer is also possible!

3. Borrowing available 24 hours a day, 365 days a year. You do not need to visit a branch to borrow a card loan. For borrowing by transfer,
you can borrow anywhere in Japan 24 hours a day, 365 days a year through the app, the internet, or by phone.

4. Comes with a credit function. Acom's credit card has no annual fee, can be issued on the same day, and no statement is sent by mail, so you can use it with ease.

[Acom's card loan]

■Benefits of Acom's card loan
1. If you borrow by app, internet, or phone transfer, you can borrow 24 hours a day, 365 days a year.

2. You can use a wide variety of networks, including Acom ATMs nationwide and affiliated ATMs installed at convenience stores.

[Acom's credit card]

■The four major benefits of Acom's credit card
1. No annual fee. Can be used at Mastercard@ affiliated stores around the world, including Japan, and has no annual fee!

2. Issued on the same day. At some automated contract machine (Mujin-kun) corners, you can issue a card on the spot.

3. Cashback. Acom's credit card automatically gives you a cashback of 0.25% of your monthly usage.

4. Statements are not sent by mail. Statements can be viewed on the Acom website or app. Your privacy is protected because statements are not sent to your home.

■How to use
1. Can be used in a variety of places! Acom credit cards can be used in a variety of situations. You don't have to take out cash or coins at convenience stores or supermarkets. Feel free to use it for small amounts. Can be used at Mastercard@ affiliated stores around the world. When using, please answer "one-time payment" as the payment method. It will automatically become "revolving (installment) payment".

Acom credit cards will enrich your life.

- Use a credit card for online shopping!
- Use a credit card at convenience stores!
- Use a credit card for smartphone bills!
- Use a credit card for taxis!
- Use a credit card for convenience when traveling!
- Enjoy traveling abroad with a credit card!
- Use electronic money, code payment, and QR payment with a credit card!

2. Lump sum payment is also possible! When you shop with a credit card, you usually pay a fixed amount every month until you pay it off, but with Acom's credit card, you can pay more than the monthly amount depending on your convenience. There is no need to contact Acom. This will save you on fees.

3. Convenient payment! Use the method that suits you. Payments can be made by bank transfer from your smartphone, computer, or app. You can also deposit funds at Seven Bank or Acom ATMs. If you would like to use direct debit (automatic withdrawal), please contact us separately.

[Borrowing/Usage]
■ Borrowing by transfer
Convenient transfer 24 hours a day, in as little as 10 seconds! You can apply 24 hours a day, 365 days a year via the Internet, telephone, or app if you don't have time to go to an Acom ATM or have a lot of withdrawals this month, and your living expenses are a bit low... ■Three benefits of borrowing by transfer
1. No fees
2. Borrowing available 24 hours a day, 365 days a year
3. If you have a Rakuten Bank account, you can transfer 24 hours a day, in as little as 10 seconds!

■Available amount and how to increase it
Available amount is the amount you can borrow up to the contract limit in your contract. You can borrow repeatedly within the available amount. The contract limit will be determined by Acom after reviewing your application amount.
*You may not be able to use it due to late repayments or increased borrowing with other companies.

1. What is an increase in the contract limit?
An increase in the contract limit is different from additional borrowing within the contract limit, and refers to raising the credit limit itself. If you have borrowed up to the contract limit but would like to borrow more, you can apply for an increase review to raise the credit limit itself and make additional borrowing possible. For example, if you increase your contract limit from 300,000 yen to 500,000 yen, you can use an additional 200,000 yen.

2. About the increase review
In principle, you will receive a response on the day of your application! We have many application methods! Increase reviews are possible even on weekends and holidays!

3. How to increase your contract limit
If you would like to apply for an increase in your limit, you can do so online via the app or member page, by phone, at Acom ATMs, or at an automated contract machine (Mujin-kun).

4. How to check your available balance
To check your current available balance, log in to the app or log in to the member page on the Acom website and check your "usage status," or contact the Acom General Card Loan Desk or visit a branch.

■ Two points about Acom repayments
Please read the following two points and make the most of Acom.
1. Support for "forgetting" by email and push notifications

We will notify you by email and push notifications "three days before the repayment due date", "on the repayment due date", and "repayment after the repayment due date". We will fully support you in using Acom.

3. Repayments can be made 24 hours a day, 365 days a year via the Internet or app

You can repay your repayments to Acom from your financial institution 24 hours a day, anywhere, not just from ATMs and affiliated ATMs, but also from the Internet or app.

No fees! Repayments can be made 24 hours a day! Repayments can be made on weekends and holidays!

*You must apply for Internet banking at your financial institution in advance.

[Recommended environment]

Android 12.0 or higher

*Customers who are still using an older version of the OS are recommended to update the OS to the latest version.

*There may be some restrictions on operation, etc. depending on the device's specific issues and environment.

[Available convenience stores/bank ATMs]

Mitsubishi UFJ Bank/Seven Bank (Seven-Eleven, Ito-Yokado, etc.)/E-net (Family Mart, Poplar, Daily Yamazaki, Life, Don Quijote, etc.)/Lawson Bank (Lawson and Natural Lawson)/AEON Bank, etc.

[How to use]

■Amount of repayment for each installment

If the contract limit is 300,000 yen or less: 4.2% or more of the loan amount

If the contract limit is over 300,000 yen: 3.0% or more of the loan amount

If the contract limit is over 1 million yen: 1.5% to 3.0% or more of the loan amount

■Due date for each installment

Within 35 days per installment or monthly payment

*You can make repayments according to your convenience as long as it is within the repayment due date.

■Repayment period
　The shortest is the same day, and the longest is 9 years and 7 months from the last borrowing date
　※This is not a financial product that requires full repayment within 60 days
■Number of repayments
　1 to 100 times
■Lending interest rate (effective annual rate)
　3.0% to 18.0%
■Example of total card loan costs
　Loan amount: 500,000 yen, effective annual rate 18.0%
　Number of repayments: 51 times, total repayment amount: 750,686 yen
■Privacy policy
　https://www.acom.co.jp/privacy/treatment/

※Screening required/Check the lending conditions and be careful not to borrow too much.

Company name: Acom Co., Ltd.

Telephone: 0120-07-1000

Registration number: Kanto Regional Financial Bureau (14) No. 00022

Japan Financial Association Member No. 000002

Repayment simulation: https://www.acom.co.jp/return/simulation/