Credit Cards India

When is the best time to opt for a Credit Card?

When is the best time to opt for a Credit Card?

Unsure about when is the best time to opt for a credit card? Read on to know the best time to apply for a credit card. Credit cards have made our life way simpler as it takes care of our immediate financial needs. Availing a credit card is quite an important decision which you must take after taking stock of your current financial situation. Credit cards need to be used wisely, else you might fall prey to the “debt trap”.…

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How to do a Credit Card Balance Transfer

Wondering how to pay off your credit bill? Worry no more! An effective way of handling credit card debt is to transfer balances from high-interest cards to low-interest cards. This helps you pay off excess balance quickly, thus avoiding additional accumulating interest rates. Credit Card Balance Transfer is a method of paying off your debt by simply transferring the balance amount to your credit card through a second credit card. IN simple terms, you transfer the amount you owe to…

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Automate your payments through Credit Card

Ever thought about how much automating your bill and loan payments could save your time, money and credit score? In today’s busy world, most of us are engulfed in payment of monthly bills: electricity, gas, phone, mobile, DTH recharge, Wi-Fi bill, insurance payment etc. keeping a track of all these payments and finding time for it can sometimes be a very difficult task. The main reason behind the difficulty in keeping a track of these payments is that these bills…

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How to protect your credit card against online fraud?

Beena had clicked on a linked sent on her email by her bank. She followed all the instructions properly and made a small payment as the email stated that her credit card was being verified and the detail submission and small payment were necessary. She paid INR 50, but in just an hour, her account was wiped clean of INR 3 lakhs. Stunned and shocked beyond belief, she called her bank who informed her no such mail had been sent…

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How to Manage Multiple Credit Cards Effectively?

If you have more than one credit card, you should be careful with your spending and ensure you keep a track of everything. Unfortunately, managing multiple credit cards can be a bit confusing and if aren’t organized, you may end up making some financial blunders. Thankfully, there are some rather simple ways in which you can successfully manage multiple credit cards. We present some tried and tested methods to you in the article. Take a look. The DOs of managing…

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Are You Using Your Credit Card Right?

A credit card is a very handy financial tool. However, while using a credit card, you should exercise a lot of caution and ensure you get the maximum value out of it. Take a look at this article to know how and why you must get a credit card and the ways in which you can use it appropriately. Why should you get a credit card? There are many reasons why people opt for a credit card. Some of the…

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Why are some Credit Cards paid ones with annual charges?

A year ago, if anyone walked up to me and said anything about getting a paid credit card, I would either laugh it off or discredit whatever they are saying. Why wouldn’t you? With so many companies providing you with credit cards free of cost, why would you want to pay annual charges for a credit card? It just felt absurd and simply didn’t add up, until I spent some time around it on a boring Sunday. For a casual…

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Reasons for having at least 2 Credit Cards at all points of time

If the thought of having more than one credit card has spawned inside your head, don’t worry, you are not the only one. A lot of people get around with at least two credit cards and there are good reasons behind the same. Unlike the most common theme that having a credit card is not good for your finances, here are some of the reasons why holding at least 2 credit cards at all points of time can be beneficial.…

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Is it good to have a high limit on all your credit cards?

A credit limit comes into picture the moment you apply for a credit card. It essentially is a ceiling up to which you can make purchases or swipe your card. First time around your income and credit history play a vital role in deciding the limit for your card. But with regular usage and repayment, credit card companies will most probably increase your credit card limit. Does it add value to run on a high limit for all your credit…

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HOW TO CHOOSE THE BEST CREDIT CARD BASED ON YOUR LIFESTYLE:

With digitization setting in, it does not make sense to carry a stack of cash to make repetitive or high-value purchases. Whether you are a frequent flyer, a movie buff, a shopaholic or one who often loves to dine out or go on road trips, now there is a credit card in India, designed for every individual’s lifestyle. These are called lifestyle credit cards. Apart from saving space in your wallet, there are other noteworthy benefits of owning a credit…

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