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Yes, you can get a credit card with no income. Many credit card issuers offer various means to apply for a credit card without an income.

If you are using multiple credit cards and are finding it difficult to manage the credit burden, you can close your youngest or latest credit card account. This will help in consolidating your credit and you can have better control over your credit card dues with fewer accounts.

SBI Unnati credit card is ideal for low-income groups. The annual fee on this card has been waived off by the bank for the first 4 years. Some of the features and benefits of this card are

There are different credit score levels as categorised by various credit rating agencies. These indicate a borrower’s credit behaviour and pattern. Here are the different levels that are used for credit scores

You can check your credit report for free on the official CIBIL™ website or any other credit bureaus. These credit agencies offer free reports that can be viewed in detail once per year. For additional access, you may need to pay some fees to the credit agency

A credit score is very important in getting a loan or credit at favourable terms. If you have a poor credit score at present and wish to improve it by at least 100 points within a short duration, here are some tips that you can use

No, hackers cannot improve your credit score. If you use a hacker service to improve your credit score, it can have significant negative impacts including identity theft and possible legal action in some cases.

A good credit score is important to avail of loans and credit at favourable terms. Improving your credit score can take time and there is no easy way to improve your credit score overnight. Some credit users are successful in improving their credit score by 100 points within a month.

To buy a new car from a car dealership, applicants need to have a credit score of at least 700 or above. Today, many dealerships offer cars through loans at low-interest rates. However, to avail of these offers, applicants need to have a good credit score.

A credit score of 637 is generally considered fair since it falls within the range of 580-669 as per the categories set by various credit rating agencies. However, with this score, borrowers may find it difficult to get loans at favourable terms. An ideal score for loans on favourable terms and lower interest rates is 700+. 

Some of the common inclusions of health insurance plans in India are

Senior citizen’s Mediclaim policies come with a range of benefits for the elderly. These help to cover the expenses related to hospitalisation, surgery, critical illness-related expenditure, accidents, pre-existing diseases, etc. If an individual opts for policy renewal then benefits can be availed till 80 years of age and these also offer lifetime renewal benefits. 

A member of the Employee’s Pension Scheme (EPS) can check the pension amount accumulated in his/her account through the EPS Passbook. This is available in offline as well as online formats. 

Pension is an important income source for individuals who are nearing retirement or have attained retirement. It provides for most of the financial needs post-retirement. Considering this, the State Bank of India life insurance launched a pension plan that is specifically designed to meet the needs of the working class and help them to secure a regular source of income after retirement.

With an investment in the National Pension Scheme (NPS), investors can safeguard their retirement by receiving a monthly pension amount. This investment comes with tax savings benefits and has therefore become popular in recent times. This investment is managed by the Pension Fund Regulatory and Development Authority. 

Retirement plans are also known as pension plans in India. These are investment plans which involve investing a portion of one’s savings to gather wealth over a long period. The primary purpose of such plans is to provide people with financial cover post-retirement. 

When your insurance policy expires while you are still alive, you will no longer get the benefit of life insurance coverage through the policy. However, you will have the option to convert to a permanent policy or buy fresh term insurance.

One of the most important questions when it comes to life insurance is who needs to buy one. Below are some of the people who may need insurance as a safeguard for many life events

A maternity health insurance plan covers all the expenses related to childbirth up to a certain period (pre-and post-pregnancy). One can choose a standalone policy or get an add-on health insurance policy that has maternity cover. Here are some of the important aspects to note about eligibility criteria on maternity health insurance

Most health insurance policies are based on the principle of indemnity. In simple terms, these help to compensate the policyholder for an expense or a loss, as per the policy coverage. The maximum expense or loss that can be covered in a year is commonly known as the sum insured of the policy. 

It is possible to get debt consolidation loans to pay off debt while having bad credit. This can help take off the financial burden and improve the repayment schedule.