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Getting credit cards in Chandigarh can get you many benefits! Exciting offers for existing customers. Easy repayment options. Build a good credit history to get a better credit score. Convenient while making high level transactions. Apply now!
Chandigarh is a city and a union territory of India that serves as the capital of Haryana and Punjab. As a union territory, the city is governed directly by the Union Government. The city has one of the highest per capita income in the country and reported to be one of the cleanest cities in India.
Educational, cultural and medical facilities are spread all over city. A well-developed city, Chandigarh is home to several leading Banks, NBFC’s and other private lenders.
Are you looking for a bank, perhaps to apply for a credit card? If your answer is a resounding “Yes”, then read on!
A credit card is plastic money that is essentially borrowed. It comes with an approved credit limit that allows you to make purchases and pay back later, along with interest charges as accrued. It comes in handy for making various transactions, as opposed to carrying money. As long as you pay back the money you borrowed within the grace period, which is ideally the interest-free period, you don’t have to pay extra in the form of hefty interest charges.
Based on your actual requirement, repayment capacity, and existing loan obligations, lenders can approve a credit card in Chandigarh for you.
Key features of a Credit Card:
Different credit cards have different eligibility requirements. Compare different eligibility requirements before applying for credit.
Ideally, one should be salaried or self-employed, having a regular source of income, be over 21 years of age and have a clean credit history.
Documentation is generally minimal. Following is an overview:
To discover the exclusive offers on credit cards in Chandigarh, register now on CreditMantri.
Before selecting a credit card, it is advised that you do a credit card comparison and select the ones which fulfill all your requirements, this is one way of ensuring you get the best credit card offers in Chandigarh.
Can I apply for Credit Card online?
Absolutely. Several lenders have the facility to apply online.
Can I avail the EMI Facility with a credit card?
Most Credit Card issuers offer you attractive repayment terms at affordable interest rates and flexible tenure. You can convert your purchases over Rs. 5,000 to easy EMIs. Generally, once a transaction is converted into EMIs the same cannot be reversed or cancelled. You have the option to only pre-close an EMI, although pre-closure charges are applicable.
How to apply for credit card loan in Chandigarh?
You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.
I am a frequent shopper – online as well as offline. Is it safe to use my credit card?
Yes. Your Credit Card needs to be registered for 'Verified by Visa'/’MasterCard SecureCode’ before using it for safe and secure online transactions. Most cards have an encrypted chip that assures the security of your transactions against any fraud, imitation of identity, and other security risks.
I am a frequent traveler. Can I use my credit card anywhere?
Absolutely, your credit card can be used anywhere globally. Just ensure that the merchant accepts Visa/MasterCard.
What are the benefits of a using a chip card?
The microchip in the credit card is embedded and encoded, providing enhanced security and protection to help guard against fraudulent transactions.
You can check your eligibility and apply for a credit card by signing up with CreditMantri. It is quick, simple and above all, free.
CreditMantri matches your credit and demographic profile to the lender's lending criteria and presents you a shortlist of only those lenders willing to lend to you based on your unique credit profile. In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chances of your credit card application getting approved is higher.
Click here to sign up and apply for loans and credit cards , the CreditMantri way!
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