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Quick approval on credit cards in Ludhiana is guaranteed if you have a steady income. Catering to varying needs of the customers, credit cards offer huge benefits on various categories. The customers can convert the big purchases to easy EMI.
Located in the Indian state of Punjab, Ludhiana is known for its exquisite woolen garments and other apparels. It's a hub of hosiery, cycle and sewing machine industry. Home to some of the prestigious colleges.
Along with its culture and tradition, Ludhiana is also home to leading banks, educational institutions and companies of repute. In case you are looking to apply for a credit card in Ludhiana, you have approached the right place! Read on!
Increasing income levels of the average Indian, changing lifestyle habits and the thirst for everything new has made credit cards more popular in India. Banks offer a myriad of cards that are aimed at fulfilling your wants and enable you to choose a certain standard of living. In this way, credit card reflects your personality. These cards are specifically designed to suit the varying needs and budget of customers.
Before applying for a credit card, it is very important to compare the features, benefits and fees of the credit cards you want to apply. This will help you to find out the best card suited for your lifestyle.
Advantages of a credit cards are many. It has the advantage of convenient payment options and building a positive credit history (provided you pay your dues consistently, every month) which will enable you to be eligible for loans at a later point in life.
A credit card is plastic money that is essentially borrowed. It comes with an approved credit limit (based on your salary and credit rating) 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. If you pay back the borrowed money 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.
There are different types of credit cards – lifestyle credit cards, rewards credit cards, cashback credit cards, fuel credit cards, shopping credit cards, business credit cards etc. Based on your need, repayment capacity, and existing loan obligations, lenders can approve a credit card in Ludhiana for you.
Key features of a Credit Card:
Build a credit history – Using a credit card to make your purchases allows you to build a positive credit history (provided you pay your dues consistently, every month) which will enable you to be eligible for larger loans (say, for example, a home loan) in the future.
Convenience – Credit Cards are very convenient in the sense that you don’t need to carry cash with you, especially in high level transactions. You just need to pull out your card, swipe it and the transaction is done.
Online Purchase – Credit Cards are a convenient method to buy things online. It is safe and secure.
Gives Rewards / Cash Back – Credit Cards give rewards for high usage such as airmiles, movie tickets, cashback and other merchandise. You generally get some points for the transactions done using a credit card. These points are accumulated and in the end, you can redeem these points for merchandise / vouchers of your choice.
Access cash in times of Emergency – In case of an emergency, when you are in urgent need of cash, you can take cash on credit card in Ludhiana. However, keep in mind that the interest rate for cash advances are very high.
Global transactions made easy – Credit Cards can be used in foreign countries without the need to convert your money into foreign currency. Though this is not devoid of some cost, it is more convenient.
Different credit cards have different eligibility requirements users are advised to compare different eligibility requirements before applying for credit.
You need to be a salaried or self-employed professional, and should demonstrate a stable income. You also need to fulfil the age requirements.
You can easily check your eligibility online on the lender’s website. Most lenders have an eligibility calculator online. If you are found eligible, then you will be given a list of cards to choose from.
Documentation is generally minimal. Following is an overview:
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 Ludhiana.
To find the best credit card services and best credit card deals, |register now on CreditMantri.
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.
How to apply for credit card loan in Ludhiana?
You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.
I got my credit card bill. What are the bill paying options available?
You can choose from the following options to make your bill payment:
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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