Credit Cards

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.

Small and middle-income borrowers can breathe easy as the Government of India has ensured that substantial relief measures will be offered by banks and financial institutions during the ongoing pandemic period.

In a massive relief to individual and MSME borrowers, the Union Government has announced a waiver of the compound interest incurred by loans during the moratorium period from March to August.

Credit cards are one of the most powerful financial tools. It provides you with instant access to credit, increasing your spending power, while also helping you enjoy an array of discounts, cashback, and other exclusive offers.

The last thing most people worry about while planning a trip abroad is how will they spend money during the trip. If you are one of those who give little thought to this before venturing on your holiday, you may very well end up losing a substantial portion of your money to various fees.

Shopping online is no longer a novelty. Rather, it has become a necessity and part and parcel of our daily lives. From shopping for products that are not available in our neighbourhood stores to paying EMIs, utility bills, ordering takeaways, rarely a day goes by without making an online transaction.

Credit cards play a crucial role in determining your credit score. Getting the right credit card and ensuring regular usage with maximum care is an effective and quick way to build your credit.

Are you dreaming of international travel, but worried about the payment hassles of transacting in a foreign currency? Travel credit cards are the answer!

As a small business owner, you probably would have received numerous emails and offers tempting you to apply for a small business credit card. A business credit card works just like a personal credit card.

Having a credit card makes your life incredibly easier. It’s highly convenient and is a great way to go cashless. Instead of carrying wads of cash in your wallet, you can swipe the card to pay for all your purchases. Besides shopping at brick and mortar stores, credit cards can also be used for online transactions.

Are you looking to increase the limit on your credit card? Before you proceed, ask yourself this question: Why am I looking to extend my credit limit?

Credit cards dominate the digital transactions arena. Apart from convenience, credit cards offer various other value-added benefits like loyalty rewards, cashbacks, merchant discounts, airport lounge access and many more. Continue reading to explore the incredible benefits of credit cards.

Credit card interest rates are alternatively referred to as finance charges. Every credit card comes with a prefixed finance charge and it will be the same for all the customers. These could vary from one card issuer to another and also across different credit cards from the same issuer.

An individual’s first credit card can be a step toward building a strong financial future and establishing an excellent credit score. It can also lead to a mountain of debt that is followed by a struggle to repay for years.

In today's world of cashless transactions, having a credit card has become a necessity. With a credit card, you can complete your purchases today and pay for it later. All major banks in India offer credit cards for the convenience of their customers.

India has a variety of credit card options and finding the right credit card could be challenging as most banks offer different features and benefits attached to credit cards. Some credit cards are designed for benefits associated with shopping and hence they come with an excellent rewards program while other cards are loaded with travel privileges.

One of the biggest worries of every borrower is – not being able to pay the money back. The consequences of having to deal with unpaid credit payments are scary. This is where credit insurance comes into the picture.

Everyone loves the convenience offered by a credit card. Besides providing consumers the ease of shopping now and paying later, credit cards offer an array of other benefits like cash withdrawal on ATMs, cashback or reward points for shopping, etc.