Are you a responsible Credit Card user? If not, we must warn you that it’s extremely important to use your Credit Card wisely. Why, you ask? Well, it not only helps you stay debt free but also positively affects your Credit score. What more! You can live a stress-free life if you manage your Credit Card responsibly. So, here’s a list of pointers!
Paying your Credit Card bills regularly is extremely important. It not only helps you stay debt-free but also affects your CIBIL score. Paying only the minimum amount due, partial payments and late payments negatively affect your CIBIL score. Paying bills isn’t much of a hassle anymore, with so many options available for payment. So here’s a list of options you can use to pay your Credit Card bill.
So you own a Credit Card. But do you know how you are actually benefitted by the card? Are you being a smart spender or just another drop in the ocean? Do you own a Credit Card that is truly “you”? Does your Credit Card reflect your personality and your lifestyle? If you don’t, it’s time to pick a Credit Card that mirrors your personality and is just you.
Getting your first Credit Card is a big step towards financial responsibility. If you’ve just received your Credit Card, you might be confused about the terms in the welcome booklet. We’ll help decode them for you. Even if you haven’t got a Credit Card yet, this information will be useful for you to know. Read on and you’ll be one step closer to becoming an expert on everything about Credit Cards.
Although applying for a Credit Card is much faster and easier these days owing to the online application process offered by banks, yet there are some important tips that you should keep in mind! Here’s a comprehensive guide to the entire process of Credit Card application which would give you an insight about the eligibility criteria, application procedure and some useful information.
Credit Card fraud is a menace which keeps banks and Credit Card issuing companies on their toes. Each day, companies and banks work to make Credit Card transactions safe and secure, but a trail of scammers and hackers are always ready to pounce on any loophole. Here are some tips that will help you know if your card details are safe.
Credit Cards are more frequently used when the festive season is around the corner. We tend to shop more, dine out, go for vacations and party with friends during the festive season; and all that would easily fall into place if we have a Credit Card handy, since more money surely means more fun!
Would you classify yourself as a smart Credit Card user? Or you aren’t sure whether you use your card wisely or not? Well, in that case, our tips to use your Credit Card wisely will certainly help you. How, you ask? The optimum use of Credit Cards will boost your Credit Score. And, as we all know, a good Credit Score is what everyone wants, right?
A Debit cum Credit Card is like a true “friend in need”, which helps you enjoy the benefits of a Debit and Credit Card simultaneously! It helps you overdraw on your Debit Card once you reach the limit on your banking account. So you never run out of money when you are in need of it as your ‘Debit cum Credit card’ friend is right there for help!
Lost your Credit Card? Don’t panic! The first thing that you must do is call the helpline number of your Credit Card provider and hotlist your card. It is of the utmost importance to block your card in order to avoid any fraudulent transactions. It’s equally essential to keep your bank in the loop so that any suspicious transactions can be tracked. Here’s a list of hotlist numbers.