How to Apply for a Bancorpsouth Standard Visa Credit Card

The Bancorpsouth Standard Visa Credit Card is about as classic a credit card as one can get their hands on; the APR (annual percentage rate) is right in the heart of average, there’s no annual fee and there’s a 1 point/$1 spent rewards program. The one aspect of this card that separates it from the rest, whether beneficial or not, is the application process. You cannot simply apply for a Standard Credit Card; instead you can apply for a Visa through Bancorpsouth and they will determine which card you’re eligible for (Standard, Gold, Platinum) based on your creditworthiness and financial eligibility going into the application. The sole significant difference between each Visa variation lies is the interest rate, however, the APR only fluctuates from 11.4%-17.4% (at the time of this writing). If you already bank with BancorpSouth and you’d like to continue giving them business, any of their Visas are perfectly acceptable credit cards. Scroll down to find out how to apply for yours today.

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Requirements

To be eligible, applicants must:

Be 18 years of age or older
Reside in the United States of America
Have a valid Social Security Number

How to Apply

Step 1- First you must navigate to the Bancorpsouth homepage, as pictured below.

Step 2- In the window labelled Login to Online Banking, you should see an option to Apply for an Account. Select this link and then click the Credit Card option to continue.

Step 3- Once you’ve accessed the application form, select Visa and supply your Invitation Number if you have one. Below this, you can elect your State and Country of residence. Finally, before clicking Continue, you have to select the appropriate boxes if you’d like to enroll in the rewards program (most likely), add a co-applicant, or perform a balance transfer.

Step 4- The second page of the form will ask you to provide your Full Name, E-mail Address, Phone Number, Birth Date, SSN, and your Mother’s Maiden Name.

Step 5- You must also, at this point, give the following information pertaining to your current residence:

Address
City
State
Zip code
Housing payment
Housing status
Time at residence

If your mailing and physical address are one and the same, select the applicable box. If not, provide your mailing address as well before clicking Continue.

Step 6- This page asks only for your Previous Address. Provide the requisite information and click Continue to proceed to the next step.

Step 7- Provide the following information of the Nearest Relative Not Living With You before clicking Continue:

Full name
Relationship
Address
City
State
Zip code
Email address
Phone number

Step 8- Here, you will need to let BancorpSouth gain an understanding of your current employment situation. Provide the following details:

Employer name
Employer full address
Position within the company
Time employed
Phone number
Annual gross income
Other income and income source (if applicable)

Step 9- The final page of the application process has you reviewing all the information submitted in the previous pages. In the case that all seems accurate, you can review the terms and conditions one final time to ensure that you’re aware of the percentage rating, fees, and all other fine-print details of this particular credit card. If you accept, check the box above the Submit button then press the button. This will conclude the application process.

Congratulations on making it to the end of your credit card request form. We hope you found our tutorial helpful as you navigated through the BancorpSouth website and we trust that you will be accepted for the credit card you desire. Best of luck and happy banking!