Ohere Technologies Limited is a data intelligence and financial services company focused on providing credit assessment, credit reporting, credit card services and financial solutions tailored to the needs of individuals and businesses in Nigeria.

Ohere offers two main financial products: 1) Credit Assessment Services - Generate comprehensive credit reports, provide personalized credit scores, and offer transparent credit analysis. 2) Credit Card Services - Customized credit limits, competitive interest rates, 28-day billing cycle with 14-day grace period, real-time transaction monitoring, and guaranteed credit options for employees and ESUSU participants.

To qualify, applicants must: • Be at least 18 years old • Be a resident of Nigeria with a valid government-issued ID • Meet our creditworthiness criteria based on a proprietary credit assessment process.

Our credit assessment includes: • Reviewing your financial data and credit history • Generating a credit score based on our proprietary model • Sharing the full report and score in the app for you to view • Sharing credit reports with authorized institutions as needed.

A credit limit is the maximum amount of money a lender allows you to borrow using a credit card or line of credit. In simple terms, it's like a spending cap. If your credit limit is 10,000 NGN, you can only spend up to that amount.

Your credit limit is assigned based on your credit score, financial history, and other factors. The limit represents the maximum amount you can borrow at any time.

When we issue you credit, the transactions you make with the money are recorded over a 28-day billing cycle, followed by a 14-day grace period where no interest is charged if you pay your balance in full.

Interest rates vary based on your credit score: • Low-Risk Borrowers (Credit Score 700-850): From 3% per month • Medium-Risk Borrowers (Credit Score 600-699): From 5% per month • High-Risk Borrowers (Credit Score 300-599): From 7% to 10% per month

Yes, some key fees include: • ATM/POS Withdrawal Fee: 20 NGN per withdrawal • Bank transfer Fee: 50 NGN (This is the government-mandated Electronic Money Transfer Levy for transfers above 10,000 NGN)

If you default: • Interest will accrue on unpaid balances • Your credit score will be negatively impacted • We may take legal action or use debt collection technology to recover unpaid amounts

Yes, you are encouraged to pay more than the minimum to reduce your interest charges and improve your credit score.