Creditability is a creditworthiness score that can be managed and allocated to each of your credit products.
For example, if you have Rp10 million in Creditability and you own Jenius Paylater, Flexi Cash, and a Jenius Credit Card, you can allocate Rp1 million to Jenius Paylater, Rp4 million to Flexi Cash, and Rp5 million to the Jenius Credit Card.
Another example: if you have Rp5 million in Creditability and only own Jenius Paylater and Flexi Cash, you can allocate Rp500,000 to Jenius Paylater and Rp3 million to Flexi Cash. In this case, there is Rp1.5 million unallocated from your Creditability.
You are free to allocate your Creditability as needed. You can adjust the allocation amount as long as it adheres to the limits of each product. If there is a limit adjustment at the end of the month, the adjusted credit product limit will be saved back to Creditability and you can reallocate it.
Creditbility adalah nilai kelayakan kredit yang bisa dikelola dan dialokasikan ke masing-masing produk kredit yang kamu miliki.Contohnya jika kamu memiliki Creditbility sejumlah Rp10 juta dan kamu memiliki produk Jenius Paylater, Flexi Cash, dan Kartu Kredit Jenius, kamu bisa mengalokasikan Rp1 juta ke Jenius Paylater, Rp4 juta ke Flexi Cash, dan Rp5 juta ke Kartu Kredit Jenius.Contoh lainnya jika kamu memiliki Creditbility sejumlah Rp5 juta dan kamu memiliki produk Jenius Paylater dan Flexi Cash saja, kamu bisa mengalokasikan Rp500 ribu ke Jenius Paylater dan Rp3 juta ke Flexi Cash. Dalam kasus ini terdapat Rp1,5 juta yang tidak teralokasi dari Creditbility kamu.Kamu bebas mengalokasikan Creditbility kamu sesuai kebutuhan. Jumlah alokasi dapat kamu sesuaikan selama mengikuti batas limit masing-masing produk. Jika terjadi penyesuaian limit di akhir bulan, limit produk kredit yang disesuaikan akan tersimpan kembali ke Creditbility dan dapat kamu alokasikan kembali.
What are the benefits of Creditbility?
- Allocate credit limits to the three credit products as needed.
- Maintain the security of unused credit limits.
- Know your creditworthiness value so it can be improved.
Can I see my Creditbility for my Jenius credit?
Yes, to see the amount of Creditbility you have, you can check it by going to the Credit page.
What is the maximum Creditbility I can get?
The amount of Creditbility you can get depends on your creditworthiness and the bank’s risk assessment. Currently, the maximum Creditbility you can get is Rp500,000,000.
My Creditbility dropped. What should I do?
Make sure you use Jenius actively and always pay your bills on time to keep your Creditbility value stable.
What is a Jenius credit product?
Jenius has three credit products: Jenius Paylater, Flexi Cash, and Credit Card. Each credit product offers benefits that you can use according to your needs.
What are the advantages of Jenius credit products?
With credit products that you can apply for directly through the Jenius app, you can make transactions in a more planned way and keep your cash flow organized.
For daily expenses, you can use Jenius Paylater. You can shop at various QRIS merchants and pay the following month.
You can also use flexible funds from Flexi Cash, which can be withdrawn multiple times as long as the limit is available, to meet various needs.
And use the Jenius Credit Card to make it easier for you to transact offline/online both domestically and abroad.
Who can apply for Jenius credit products?
- Indonesian Citizen (WNI).
- Aged 21 to 60 years at the time of application.
- Residing within Jenius’ coverage area.
- Has a job that is not listed in the Sensitive Occupations List.
- Not included in the Bank’s Internal Blacklist.
Where can I apply for Jenius credit products?
- On the bottom navigation bar, select Credit.
- Tap Let’s Check Creditbility & Apply!
- Complete your personal information, then tap Continue.
- Review and agree to the data analysis and verification statement, then tap Continue.
- Enter your Jenius password, then tap Submit.
- Your application is successful. You can tap View Progress to see the status of your application.
If you don’t already have a Jenius account, you can apply for Jenius credit products while registering your account:
- Download the Jenius app from the App Store or Google Play Store.
- Prepare an active email and mobile number, your ID card (KTP), and NPWP (if available) for the registration process.
- On the Jenius app home screen, select Get Started with Jenius.
- Enter your active email address and mobile number.
- Enter the confirmation code sent to your email and mobile number via SMS.
- Create your Jenius password and device PIN.
- Select Credit Solutions.
- Continue the registration process by completing the other required data.
- Complete Face Recognition for account security. Make sure you are not wearing any facial accessories, have a stable internet connection, adequate lighting, and keep your face within the guide area for optimal recognition.
- Wait for your Creditbility verification process to complete. You will receive an email once it is done.
- Once your Creditbility results are available and if the offer suits your needs, select Okay, I Accept!
- Once your account is active, you can continue by activating your credit product before your credit offer expires.
What are the requirements to apply for Jenius credit products?
You can apply for a Jenius credit product if you meet the following criteria:
- Indonesian Citizen (WNI).
- Aged 21 to 60 years at the time of application.
- Residing within Jenius’ coverage area.
- Has a job that is not listed in the Sensitive Occupations List.
- Not included in the Bank’s Internal Blacklist.
How long does the Jenius credit product application process take?
The result of your Jenius credit product application will be confirmed as soon as possible within 15 minutes, up to a maximum of 14 working days if further verification is required.
My application was approved. What should I do next?
You can activate the credit products you have. The offer will expire 3 months from the date your application decision is approved.
Once the offer expires, you will need to reapply to receive an offer. If you have already activated at least one credit product, other credit product offers can be activated anytime according to your needs.
I applied for a Jenius credit product but only received a Paylater offer. What can I do?
The credit product you are currently eligible for is the result of an assessment conducted by the bank. Keep increasing your use of the credit facilities you have and pay your bills on time to increase your chances of obtaining other credit products.
Why was my Jenius credit product application rejected?
Your Jenius credit product application may not be approved because it does not meet the bank’s internal criteria.
If my application was rejected, can I apply for a Jenius credit product again? If yes, when?
Yes, you can reapply 30 days after the date of your previous application decision.
If I already have one (1) or two (2) Jenius credit products (but not all), can I still apply for other credit products?
At the moment, you cannot apply for another credit product directly because you already have Creditibility. You can view your Creditibility information on the Credit page.
However, don’t worry, Jenius will periodically review and may offer you other credit products that match your needs. If you need a credit product immediately, you can submit a request through SMBCI Care at 1500 365.
Can I apply for Creditbility?
Yes, all active Jenius users can apply for Creditibility.
How do I apply for a Jenius Credit Card?
Applying for a Jenius Credit Card can be done through the Credibility menu in the Jenius app. Steps:
- Open the Credit page, then select Let’s Check Credibility & Apply!
- Confirm your personal data, then click Continue.
- Fill in personal data, close relatives’ details, and referral/promo code (optional), then enter your password.
- Give your consent for data analysis and verification.
- Enter your password and the verification will be successful.
- Your Credibility check will be processed.
Once approved, you can immediately proceed with activating your Jenius Credit Card and start using it.
How do I apply for Flexi Cash?
Applying for Flexi Cash can be done through the Credibility menu in the Jenius app. Steps:
- Open the Credit page, then select Let’s Check Credibility & Apply!
- Confirm your personal data, then click Continue.
- Fill in personal data, close relatives’ details, and referral/promo code (optional), then enter your password.
- Give your consent for data analysis and verification.
- Enter your password and the verification will be successful.
- Your Credibility check will be processed.
How do I apply for Jenius Paylater?
Applying for Jenius Paylater can be done through the Credibility menu in the Jenius app. Steps:
- Open the Credit page, then select Let’s Check Credibility & Apply!
- Confirm your personal data, then click Continue.
- Fill in personal data, close relatives’ details, and referral/promo code (optional), then enter your password.
- Give your consent for data analysis and verification.
- Enter your password and the verification will be successful.
- Your Credibility check will be processed.
Once approved, you can immediately start using the Jenius Paylater feature.
I already have a Jenius credit product. Can I still apply for Creditbility?
If you already have Jenius credit products, it means you already have a Credibility value. You can check your Credibility on the Credit page. On that page, you can also apply for and set credit limits for Jenius Paylater, Flexi Cash, and Jenius Credit Card products.
I used to have a Jenius credit product but have closed it. Can I apply for Creditbility again?
Unfortunately, if all the Jenius credit products you previously had have been closed, you cannot apply for a new Credibility.
If I receive an offer, do I have to activate the credit product?
Yes, if you do not activate within 3 months, your offer will expire and you will have to reapply.
Is activation the same as application?
No, to maintain account efficiency and security, credit applications are only done once for all Jenius credit products.
Once your application is processed, you are free to choose which credit product you want to activate according to your needs.
How do I activate a Jenius credit product?
How long does the Jenius credit product activation process take?
The activation process is done in real-time. Once the activation is successful, you can immediately use the Jenius credit product you have activated.
I have received a Creditbility offer. What should I do?
After your Creditbility application is approved, you can immediately activate the available credit products.
You can allocate Creditbility to credit products that you have already activated.
You are free to activate credit products according to your needs without any additional fees or hidden charges.
How do I allocate my Creditbility?
You can allocate Creditbility according to your needs when activating a product or after activating one or more credit products.
Allocating Creditbility when activating a product
- Go to the Credit page.
- Select the product you want to activate.
- Enter the required information.
- Set the limit you want for that credit product.
- Agree to the terms and conditions, enter your password for confirmation.
- For Flexi Cash, you must make your first withdrawal to activate it.
Allocating Creditbility after activating several products
- Go to the Credit page.
- Select Creditbility Allocation.
- Set the limit you want for each product.
- Click save and enter your password for confirmation.
How many times can I allocate Creditbility each month?
Jenius does not limit how many times you can allocate Creditbility.
You are free to allocate it anytime according to your needs.
What are the terms for allocating Creditbility?
- Creditbility allocation must comply with the limit rules of each Jenius credit product.
- Creditbility allocation can only be done if your credit facility is not blocked and your payment performance is in “Current” status. If you still have unpaid bills, make payment immediately so you can reallocate your Creditbility.
- For Jenius Paylater, Creditbility allocation can only be done if you have not made any transactions in the current month. You can change the Jenius Paylater limit again after making full payment for obligations arising from transactions made in the previous month.
- The minimum increment for Creditbility allocation is Rp100,000.
I still have unallocated Creditbility, but I can’t allocate it. What should I do?
Here are some possible reasons you might not be able to allocate Creditbility:
- Outstanding payments. If there is an unpaid bill, settle the payment first because allocation cannot be done if your credit product is blocked.
- Jenius Credit Card limit cap. The maximum limit of your Jenius Credit Card may be smaller than your Creditbility value. Make sure the allocation matches the allowed limit, which can be seen during the allocation process.
- Other technical conditions. If the above conditions don’t match your situation, wait a while and try again. If it still doesn’t work, contact SMBCI Care at 1500 365 for further checking.
I tried to allocate Creditbility a few days ago, but the status is still “in process.” What should I do?
The allocation process usually completes within a few minutes.
If it hasn’t been completed after a few minutes, try allocating again. If it still fails, contact SMBCI Care at 1500 365 for assistance.
What is a Jenius credit product limit?
The Creditbility value allocated for Jenius Paylater, and/or Flexi Cash, and/or Jenius Credit Card.
How much limit can I get from Jenius credit products?
The limits for Jenius Paylater, Flexi Cash, and Credit Card vary according to the Creditbility you receive during your credit application.
Once your Creditbility check is complete, you can allocate it to the available credit products according to your needs.
The amount of credit product limits you can get ranges from Rp300,000 to Rp500,000,000, depending on your credit score assessed by the bank.
I received an email about an adjustment to my credit product limit. What should I do?
This email is an official notification from Jenius regarding the unused limit you have.
That limit will be returned as Creditbility so you can immediately reallocate and use it whenever needed.
Limit adjustment is Jenius’ way of ensuring your limit is always available even if you don’t need it right now.
What are the terms for adjusting the Flexi Cash product limit?
Your Flexi Cash limit will change if you meet these criteria:
- Your Flexi Cash facility has been active for 90 days or more since your first activation.
- The unused Flexi Cash limit is more than Rp3 million.
But don’t worry, Flexi Cash limits that are adjusted will be stored in Creditbility and can still be reallocated at any time according to your needs.
What are the terms for adjusting the Jenius Credit Card limit?
Your Jenius Credit Card limit will change if you meet all these criteria:
- Your Jenius Credit Card facility has been active for 90 days or more since your first activation.
- Your Jenius Credit Card facility limit is ≥ Rp10 million.
- The average usage/outstanding from your credit card limit over the last 3 months is less than or equal to 50% of the total limit.
If you meet the above criteria, then your remaining Jenius Credit Card limit will be reduced as follows:
a. If the average usage of your Jenius Credit Card limit over the last 3 months is Rp0, then your credit card limit will be reduced to Rp10 million.
b. If the average usage over the last 3 months is greater than Rp0 and less than or equal to 50%, then your remaining Jenius Credit Card limit will be cut by 50% or reduced to Rp10 million, whichever is greater.
But don’t worry, Jenius Credit Card limits that are adjusted will be stored in Creditbility and can still be reallocated anytime according to your needs.
What are the terms for adjusting the Jenius Paylater limit?
For Jenius Paylater products, no limit adjustment will be made.
Who will receive adjustments to Jenius credit product limits?
The bank’s internal team will regularly review all Jenius credit users. If you meet the criteria requirements, you will experience automatic limit adjustments.
Will I get a notification for changes to my Jenius credit product limit?
Yes, you will receive a notification via email and push notification when limit changes occur for each of your Jenius credit products.
Does receiving a limit adjustment email mean my limit will definitely be changed?
This email is an official notification from Jenius regarding the unused limit you have. There is still a possibility that your credit product limit does not need to be adjusted. Your limit will not be adjusted if it meets the following criteria:
For Jenius Paylater:
No adjustments will be made to the Jenius Paylater limit.
For Flexi Cash:
- Your Flexi Cash has not exceeded 90 days since the first activation.
- The unused Flexi Cash limit is less than or equal to Rp3 million.
For Jenius Credit Card:
- Jenius Credit Card limit is below Rp10 million.
- Jenius Credit Card usage is >50% of the limit.
- Your Jenius Credit Card has not exceeded 90 days since the first activation.
Why does my credit product limit need to be adjusted by Jenius?
For your security, Jenius will automatically move unused limits. But don’t worry, you can move your Creditbility back to each product’s limit according to your needs.
Does a limit adjustment mean my Jenius credit product limit will change permanently?
No, as long as there is unallocated Creditbility, you can return your Jenius credit product limit as you wish.
How do I apply for an increase in my credit product limit?
You can set your credit product limits according to your needs through Creditbility allocation on the Jenius app.
If there is no remaining Creditbility to allocate, you can apply for a Creditbility increase manually or receive it automatically based on the Bank’s assessment results, which you can then allocate to your chosen Jenius credit product.
My Credit Card or Flexi Cash limit dropped. What should I do?
Check your Creditbility on the Credit page.
If there is a grey line indicating unallocated Creditbility, you can still reallocate it to the Credit Card or Flexi Cash products.
Can I apply for a Creditbility increase? If yes, how?
Creditbility increases are determined regularly every month. If you meet the criteria, you will automatically receive an increase without having to apply. Alternatively, you can also contact SMBCI Care at 1500 365 or [email protected] to apply for a Creditbility increase yourself.
How do I apply for a Creditbility increase?
Contact SMBCI Care at 1500 365 or [email protected] to request a Creditbility increase and make sure you prepare:
- Supporting documents such as income documents, the last 3 months’ bank statements, or a tax report (SPT).
- NPWP (if the requested Creditbility is above Rp50,000,000).
- The amount of Creditbility increase you wish to request and the reason for the increase.
- Ensure your credit facility is not blocked and that your payment performance is in Good Standing.
If my Creditbility increase application is rejected, can I apply again? If yes, when?
Yes. You can reapply after 12 months from the date of your application decision.
My Creditbility increased. What should I do?
Congratulations! You have received a Creditbility increase that can be allocated to your Jenius credit products. Check the Credit page to allocate this amount.
How to allocate:
- On the Home page, select Credit and choose “manage Creditbility allocation.”
- Allocate the credit limit to the credit products by clicking each product and entering the desired limit.
- Enter your password and select Send.
- The new credit limit for each credit product has been successfully allocated.
How do I terminate Creditbility?
You can terminate your Creditbility by contacting SMBCI Care via phone at 1500 365.
What requirements must I meet to terminate Creditbility?
You can terminate your Creditbility if all the credit facilities you own have been fully paid off.
You can terminate your Creditbility if all the credit facilities you own have been fully paid off.
What happens to my Jenius credit product limit if I terminate Creditbility?
All Jenius credit facilities you have will be closed if you terminate your Creditbility.
Can I reapply for Creditbility after I have terminated it?
No. Creditbility that has been terminated cannot be reapplied for.
