Credit Cards

Credit Cards to Fund Your Business PlansRaising capital to start a business can never be an easy task for any entrepreneur. You may rely on your family and friends for funding, but getting a good support from them is always not possible. Lending institutions are also wary of giving out lump sums as loans unless you have considerable assets. What are the other viable options an entrepreneur has for the start-up business? Credit cards have become popular means of payment si

6 Common Credit Card Mistakes to AvoidHaving a credit card makes your life easier as it enables you to pay for your purchases later. But the amount of convenience you enjoy does not come free.Banks try to lure customers, especially salaried professionals with various schemes and offers. Using your credit card responsibly may bring you a lot of benefits including building your credit score to a level which is considered healthy. But a single mishap from your part could wre

Credit Card Vs Personal LoanIt is hard to determine which one is preferable as both help in meeting your financial needs, depending on the requirements and situations. Let us analyse their features and draw a comparison between the two.Credit Card Features:Credit Limit: Credit card offers a revolving line of credit to the borrower which can be used for the payment of various expenses. The card comes with a set limit as chosen by the cardholder, depending on

Five ways to avoid Credit Card over limit chargesCredit cards are handy in times of urgent shopping, bill payments and much more. But if you ask people what comes to their mind when they think of Credit Cards, the response mostly would be the fear of accumulating debt. While Credit Cards offer numerous offers, benefits, and privileges, many end up paying over the credit limit.Credit Card is indeed an effective tool and profitable when the right card is chosen and managed

Credit Card with Fingerprint ReaderIf it is on your smartphone, why should not be on your credit card?We are talking about fingerprint scanner or reader, of course, ever since its appearance as a button on a smartphone, it has become ubiquitous. A fingerprint is the primary and unique identification for any individual and provides security and identification that no PIN number or passcode can provide.Credit Card+ Fingerprint ScannerMastercard,

Loan Against Credit Card Interest RateAre you in urgent need of money and thinking of taking a loan against your credit card? Here are some factors to keep in mind when considering that option. Definition: A loan against credit card is a loan that is availed against your credit card limit. It can come in handy when you are in urgent need of funds and require cash immediately. Eligibility: You

Which Is Better, Personal Loans or A Credit Card Loan?It depends on your credit situation and your requirement.Features of a Personal loanEnd Use: A Personal Loan is an unsecured loan, using which you can meet your immediate needs—which could include anything from home renovation, a vacation, to keep your business afloat, to recover from sudden income loss or a medical emergency. &

Which bank offer the lowest interest for credit card? Whipping out your credit card for making purchases has almost become the norm for today. While a credit card is a quick, safe, convenient and simple way to pay for your purchases, you also need to be careful about how you use it as unpaid credit card bills can lead to a debt trap.   Factors to consider when looking for a low-interest credit card   • There ar

What Is the Best Credit Card for Business Travel In 2017? A credit card is a traveller’s best (money) friend – it is safe, easy to use, accepted in millions of establishments worldwide, and helps you travel with one less worry as you are free from anxiety of carrying cash around with you. Credit cards that are targeted at the business traveler can be very attractive in terms of the perks and rewards they offer. So which is the best credit card? The

What is a Zero Percent Credit Card?What exactly is a zero percent credit card? Does it mean you do not ever have to pay interest on your balance? (The answer is NO!) Though not yet a very common offer in India, zero percent credit cards are available and could be a useful way of consolidating your credit card debt.  Credit card interest rates are among the highest consumer interest rates. While a zero percent card might sound attractive, there is a big red flag

Student Credit Cards in IndiaYour student years are typically cash-short years! There are few students who are never in need of credit – whether to the tea stall or to the Xerox shop or even to a friend! In order to help students cover their expenses during their college years, banks in India also offer innovative products like Student credit cards to help student manage their expenses on their own during their graduation years. These cards are issued only to s

Rewards Credit Card:What is a rewards credit card? It is simply one that rewards you for spending money on it! In effect it is rewarding you for making purchases on the card. A credit card is in any case an easy and convenient way to pay for your purchases over a period of time. Any purchase made with a credit card is on borrowed money and you need to pay it back at the end of every billing cycle. In order to maintain a clean credit history, make sure you pay your bi

What Is a Retail Credit Card?A retail credit card is one that rewards you for spending at retail establishments. There are a variety of retail credit cards to choose from, depending on your spending pattern and the kind of stores that you usually shop at. Some cards offer cash back, reward points, air miles and other benefits. These points can be redeemed for various exciting premium merchandise, flight tickets, discounts, etc. A retail card rewards you for shopping

No Annual Fee Credit CardYou enjoy the freedom and convenience of your credit card. Who doesn’t love the privileges, rebates, discounts not to mention the luxury of buying on credit every month. But, perhaps, you don’t love the various fees you need to pay for your card! While you might get a free lunch at a partner outlet as part of your rewards programme, you might be paying for it in terms of very heavy annual fees! Look no further – here are a f

Debit Cards Vs Credit CardsMany people probably have at least one debit card and one credit card in their wallet. But do you know what the differences are and how they affect your pocket? Do you use both interchangeably? The conveniences they offer are unbeatable in many instances, but they have important differences that could substantially affect your bank balance. Read on to know the differences between a credit card and a debit card.How do credit

Cashback Credit Cards Credit Cards are a popular and a very convenient way to pay for purchases and now you will find very few people arguing to the contrary!  For one, it is safer than carrying thick wads of cash everywhere, all the time. If you need to buy something, you can complete the transaction by simply swiping that small rectangular piece of plastic. It allows you to buy online and take advantage of discount offers only available for online purchases. &n

Business Credit Cards All businesses need some sort of credit when it comes to daily transactions, payments to vendors or travel expenses or myriad other reasons. Credit cards are good options for possible emergency expenditure in your business. You might wonder what the advantages of a business credit card over a personal credit card are? Read on to find out the advantages of having a corporate / business credit card for your company. Advantages of a

What is Balance Transfer on credit cards?Credit card holders should play smart when it comes to dealing with their credit card debt. Your outstanding has a way of sneaking up on you as you rack up high interest charges on your balance. Sometimes, it might accumulate to a point where you find it impossible to pay off the due amount. Your inability to pay off your bills fully will lead to a decrease in your credit score as well, making it difficult for you to apply to

Tips when choosing Airline Credit Cards When you are on your daily commute to work, surrounded by jostling crowds, pollution and noise, do you think of being in a cool hill station, or a breezy seaside, or beside a magnificent monument Who doesn’t like to travel or just the idea of travel? Alas, taking a travel break is not easy and not particularly cheap. You might be worried about making a large hole in your savings. Or you might be worried about racking up hi

5 Tips – How to Choose High Reward Credit CardsSo many cards, so many perks, so much choice! How do you choose a card that rewards you handsomely? Credit cards are a staple of financial payments in developed economies. In many developing economies, like India, credit cards are becoming increasingly popular because of their convenience and ease of use. With demonetization, more people are choosing to use debit and credit cards to make payments.The marke

CitiBank Credit Card Christmas OffersHeading to the stores to complete your Christmas shopping? Planning to pay with a credit card? For many people in India, paying with a credit card is still the way to go when it comes to transactions, as they are convenient, offer reward points and is a safe and secure way to make payment. Read on if you are one of them.So, which is the best credit card to use for your Christmas purchases?While choosing a card, y