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Financial food for thought
Indians are known for their love for gold across the world. India is one of the biggest importers of gold in the world. Gold is considered to carry significant value and also as a source of potential capital appreciation for the future.
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.
Anyone can have a financial emergency. We all try and save to meet such emergencies. However, sometimes you are required to seek loans to meet these emergencies.
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 credit card/loan balance transfer can be either positive or negative, depending on how you utilize it. While it can improve your credit score through debt consolidation and better credit utilization, it can lower your credit score due to shorter credit history and adding a hard inquiry to your credit report. However, it helps you to pay off your debts quicker at lower interest rates.
No one can predict when an emergency would strike. Often, an emergency results in a lot of financial pressure on an individual’s cash flows. To get immediate cash during an emergency, people opt for a personal loan from banks, NBFCs and digital lenders.
In today’s internet age, data breaches have become more prevalent. Whether it is Facebook or Target, many giant organisations have fallen victim to periodic hacking that has resulted in data leaks, especially the private information of individuals.
A credit score is a numbered rating that credit rating agencies offer you, based on the knowledge they hold on your credit report. Knowing the way to build your credit score is vital if you would like to enhance your possibilities of getting approved for credit.
Business loans are required at various stages of business activities like expansions, purchase of working capital, equipment etc., so as to maintain consistent cash flow for ensuring smooth business operations. Business loans carry an interest charge which is deductible as an expense from your gross income.
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.
Debt consolidation can help in lowering monthly payments and improve credit score. However, the key to successful debt consolidation is to stick to a plan while paying down your debt.
Many people go by the one health insurance plan for all medical requirements. However, this may not be a great idea. To ensure complete protection, one must have a critical illness cover for life-threatening illnesses. This is because regular health insurance plans do not cover major ailments. These health plans are often indemnity-based; hence, you have to claim each hospitalization to avail benefits.
If you have recently thought of a business idea, chances are, that you may have come across the term business roadmap. While it may sound like an easy-to-make business plan, a business roadmap is a strategic document that charts out your company’s long-term direction and the steps needed to get there. It is a broad guideline - unlike lengthy business plans, it is not about fine details but the big picture.
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.
The current financial scene is flooded with numerous loan products that give instant access to cash for all your needs. Though there are many loan products available in the market, the biggest drawback is that they all take a considerable amount of time for the application process and approval. These loans do not come in handy during emergencies.
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.
In the simplest of terms, debt consolidation is the process of converting multiple debt obligations into one single loan amount with benefits like lower interest rates, flexible payment period etc.
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.
Every parent wishes to gather a certain amount of corpus for safeguarding their child’s future. Be it education, marriage, or for various career needs, early financial planning can go a long way in ensuring that the required amount of money is available for your child at various stages in life.
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.