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Getting hold of a new debit/credit card makes one think that it can be used immediately. However, a new debit/credit card does not work without getting activated. It is very essential that one understands how to activate a new card so that you are not put in any kind of embarrassing situation.
Unable to pay this month’s credit card bill? Don’t worry; it happens to the best of us. Given the current pandemic situation and job losses, millions of individuals are facing severe financial distress resulting in unpaid bills and uncleared EMIs.
The PM Kisan Saman Nidhi Yojana was officially launched on February 24, 2019. This scheme aims to cover approximately 12 crore farmers across the country. The government periodically publishes the list of beneficiaries who can avail of benefits through PM Kisan Yojana
Credit cards are a popular form of credit, but not many know about Line of Credit or Short Term Loans and don’t use them either. A credit line, a short-term loan, and a credit card are all unsecured lending instruments, meaning that no collateral or security is required to use credit through any of them.
Credit cards are often wrongly viewed by many as the root cause of financial troubles. People tend to believe that these could lead to a debt trap very easily.
Premium credit cards come with the best lifestyle privileges and benefits that are not provided by regular credit cards.
It is the age of convenience in all aspects and what better example than online shopping to reflect increasing consumer convenience.
For credit card users, it can sometimes be difficult to pick the right credit card since there are multiple options available in the market today.
Many credit card users give standing instructions to their bank or credit card provider to make recurring payments to various service providers like Netflix, Electricity Board, or Mobile service provider, etc. This could be easily done up until March 31. From April 1 onwards, credit card users were required to make payment directly to a service provider.
Credit Utilization Ratio is second on the list of factors affecting your credit score. It comes just after payment history. Your credit utilization ratio indicates how prudent you are with debt management.
A credit card has become an important monetary tool in everyone’s life. There are so many variants of credit cards to suit every person’s needs. Banks and NBFCs come with attractive cards to give the best features and offers to their customers.
A secured credit card is secured by collateral that the customer places with the bank against approval for the card. People who do not have a good credit score or those who have never applied for credit earlier can use a secured credit card.
Credit cards are popular financial instruments which are preferred by individual users because they allow instant spending and provide access to good deals, rewards, loyalty points and more. Getting yourself a feature-rich card may seem attractive but it is important to remember that card issuers verify and closely scrutinise each application before granting the requested card
Credit cards have become a necessity these days for most people. However, one of the drawbacks that frequent credit card users often have to deal with is the credit card limit. This means you cannot spend continuously or in an unlimited manner using your credit card. The credit card limit does not allow you to spend beyond a certain amount.
Have you ever wondered about the science behind your credit card limit? Why do people of the same age and same income get different credit limits? Have you ever wondered why your friend was able to get a high credit limit while you were approved only for a smaller limit on the same card? In this article, we walk you through the basics of credit limits and shed light on how credit card companies determine the credit limit. Let’s get started.
It is not very clear when credit cards became a necessity to lead a normal life. But the footprint left by credit card in our daily lives is quite evident. Credit cards are one of the most preferred payment modes anywhere in the world. Though digital payments have now captured considerable market share, credit cards still rule.
Have you ever found yourself in a financial dilemma where you needed money immediately but no means to get that? There is one relatively-less-popular solution that you can fall back on in such cases - you can take a personal loan on your credit card to meet emergency cash needs.
Remember the first time you got a credit card? It would possibly have been one of the most financially liberating experiences for sure! The small pleasure of purchasing things you always wanted or buying subscriptions which otherwise seemed overpriced.
Imagine logging into your credit card account portal and seeing a negative balance! It may alarm you and you may have questions such as how did this happen? Why do I have a negative balance in my credit card account?
Modern times require modern solutions. Likewise credit card companies are finding innovative ways to get customers to repay their outstanding credit card bills. As a result of the financial stress caused by the Covid-19 pandemic and the subsequent lockdowns, customers held off paying their outstanding credit card bills.
Moratorium period and grace period are two terms that are often confused to be the same. These two terms, however, have many key differences.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.