Article

A pre-approved loan is like additional financial assistance offered by banks and NBFCs to only those with excellent credit scores and repayment records. Pre-approved loans are personal loans usually unsecured – meaning they don’t need collateral or security.

It is not easy to build and maintain a good credit score. If your credit score becomes bad, improving it takes a lot of effort and time. Although using a credit card responsibly is a good way to improve your credit score, it is not the only way.

Credit cards are one of the most widely used financial instruments in India. It is very important that you pay off your bills on time to avoid interest charges. Some credit cards offer the facility of carrying forward the balance into the next month’s billing cycle.

Festivals are the time of the year when businesses also grow exponentially. Manufacturers, wholesalers, and retailers make use of this opportunity to bring more products with lots of offers.

Business loans are sought by a business to satisfy the working capital, operational, administrative and capex needs. Whether it is new, growing or established, all types of businesses are in search of funds.

Your credit score takes into account your past loans, debts, and repayment history. But, it does not indicate whether you are employed or unemployed. Thus, your credit score is not impacted if you lose your job unless you cannot pay all your debts or loans on time.

Do you know that you can get a business loan on an Aadhaar card? Applicants can now get a business loan of up to Rs. 1 crore using the Aadhaar card within just 48 hours. Interest rates start from as low as 1.33% per month.

SBI savings account through video KYC is a fast and efficient way to open your account without stepping out of your home. All the documents are submitted digitally and payments are also made online. It is a completely contactless procedure and application is completed through a video call.

Credit cards when used smartly are a great financial instrument. They can be used to pay your financial obligations without paying any charges. You must pay your dues on or before the due date to avoid any interest charges.

Drinik has been in the news since 2016. Like any other virus, it has a new terrifying face now. Drinik is an old malware that steals your card information by luring you for an income tax refund.

Days past due (DPD) is the total number of days by which you have missed paying your credit card bill, EMI payments, loan payments, etc. If your payments have been timely, the DPD value will show as “0”.

Credit cards are now an essential spending tool. Credit cards are attractive with the rewards and savings it offers on your spending. At the same time, missing payment of your credit card bill can cost you a lot both in terms of money and your credit rating.

Gold loans are secured loans where the borrower pledges their gold articles as security in order to obtain a loan. The lender in return charges an interest rate and once you return the entire loan amount, the lender returns your gold kept as a guarantee.

Generating an ICICI Credit card PIN online is a very simple process. With a few steps, you can very well do it yourself. Let’s look at the process below.

NPCI has recently launched UPI Lite to enable low value transactions through the BHIM App. UPI payments currently account for 96% of overall digital payments. You can make transactions as low as Rs. 200 or less using UPI Lite.

A personal Identification Number (PIN) is the most important tool in safeguarding your online and offline card transactions. A credit card PIN is generally a four-digit number chosen by the cardholder. The PIN must be kept very confidential and should not be disclosed to anyone.

Various E-commerce and shopping platforms provide discounts and offers on purchases time and again. These offers are mostly given on credit and debit cards. So, if you are a credit card holder, you can avail of these offers.

You can pay your tax with a credit card through the NSDL-TIN website. You have to fill out a challan and submit it online. Once you do this, you will be redirected to the bank’s website and you can pay your tax there. A challan counterfoil containing a corporate identification number will be given as digital evidence for tax payment.

Having a low CIBIL™ score is a major hindrance to your financial future. You can face barriers while getting a mortgage, opening a credit card, getting loans, and even getting a job.

Credit cards offer great convenience while making payments offline and online. The best credit cards in India provide offers, rewards, and bonuses to their credit card customers. Credit card rewards are of different kinds, such as travel rewards, shopping points, bonuses, etc.

The RBI has implemented new rules for online payments on debit and credit cards which have come into effect from October 1st. These regulations aim to make online transactions safer and easier.