Finance News In India

As The Name Suggests, A Loan Against A Credit Card Is A Credit Option Where A Person Can Get A Loan Against A Credit Card. The Idea Here Is To Allow The Credit Card Holder To Manage Any Financial Need Without The Long Application And Documentation Process. But The Question Is How To Get A Loan On A Credit Card. Well, Let’s Find Out.

Increasing your credit card limit can give you the necessary purchasing power if you need to make a big-ticket purchase. Your credit card can enable you to buy items that cost more than your available credit balance. Additionally, some credit cards come with additional benefits such as extended warranties, price protection, and protection in the case of damaged or stolen goods.

For quite a few of us, credit cards have become somewhat of a necessity. However, the fees associated with using these cards, such as annual fees, is something of an unnecessary expense, and certainly one we’d all like to avoid. If you agree, try and bring lifetime free credit cards into play. In this blog, we’ll explore lifetime free credit cards, applying for them along with the benefits for consumers in India.

A high credit usage ratio means that you are utilising a large portion of your available credit. The percentage is determined by dividing your current credit balance by your total available credit. A high credit usage ratio indicates over-reliance on credit and potential repayment difficulties. This might lower your credit score since creditors consider you a greater risk. It is suggested that you keep your credit usage ratio below 30%.

Fuel Cards are specifically designed to cater to the needs of frequent drivers. These cards offer exclusive rewards like cashbacks and reward points on fuel purchases made at designated fuel stations. However, with various options available, it’s important to compare and consider the features, benefits, and terms of different cards to ensure you choose the one that aligns perfectly with your fuel consumption habits and financial goals.

Major banks in India offer credit cards that allow you to send money from your credit card. These banks have a wide network of branches and ATMs across the country, making it convenient to access their services.

In today’s ever-evolving digital landscape, the internet has revolutionised how we communicate, work, and live. Sadly, this digital revolution has also given rise to new types of cybercrime, with spear phishing emerging as a highly targeted and increasingly sophisticated form of attack.

If you have an existing Credit Card, using them responsibly is essential. Paying bills on time and avoiding defaulting is advised. By doing so, your credit limit can increase. This will come in handy for you to convince your preferred Credit Card company that you can manage your finances effectively.

Since Diwali is around the corner, you probably have extensive shopping to do! This festive season is undeniably the best time to shop, thanks to the irresistible Diwali sale offers. And what better way to maximise your savings than using credit card reward offers? If you haven’t secured a credit card yet, you’re truly missing out on a goldmine of benefits.

In this article, we will discuss what you need to know about building credit with a secured credit card, including understanding how they work, choosing the right card, managing it responsibly, and monitoring your progress.

Credit card balance transfers can be a powerful tool for managing credit card debt. By understanding when and how to leverage these transfers, choosing the best credit cards for your needs, and implementing strong financial management strategies, you can maximise their benefits and chart a course towards improved financial health.

When managing your finances, understanding the difference between credit cards and debit cards is crucial. One key difference is that a credit card allows you to borrow money up to a certain limit.

It is perfectly okay to apply for credit cards if you have a solid financial standing, a steady flow of income, and a decent repayment capacity. The more you use your credit card diligently, the higher will be your credit score, and eventually, you can enjoy a higher credit card limit and availability.

Delve into the realm of financial security and convenience with our exploration of Debit and Credit Card usage. This concise guide sheds light on the protective measures these cards employ to safeguard your transactions, alongside the numerous benefits they offer. Discover the ease of cashless payments, efficient expense tracking, and the potential for earning rewards. Uncover how these cards have evolved in the era of contactless and mobile payments, shaping the way we manage our finances.

In times of unexpected expenses, relying on your credit card can be a convenient and efficient way to obtain a quick loan. With the ease of access and flexibility of credit cards, you can address urgent financial needs without lengthy application processes. However, it is essential to exercise responsible borrowing and repayments to avoid accumulating high-interest debt.

When it comes to jet-setting around the world, having the right credit card can make a world of difference. With travel rewards credit cards, frequent flyers can unlock a plethora of benefits, from earning airline miles and hotel points to enjoying travel insurance perks and airport lounge access. Discover the top credit cards tailored for frequent travelers, and make your journeys more rewarding and hassle-free.

In this informative guide, we delve into the world of debit and credit cards, exploring their similarities and differences. Gain a clear understanding of how these payment methods function, including their usage, benefits, and potential drawbacks. By grasping the similarities and differences between debit and credit cards, you can make informed decisions about which option best suits your financial needs and preferences.

If you're considering transferring your credit card bill, this guide is here to help you simplify the process. Discover valuable tips and techniques to streamline the transfer and make it a smooth experience. Learn about key factors to consider, necessary documentation, and steps to take for a hassle-free bill transfer. Take control of your finances and streamline your credit card bill transfer with these expert tips.

Discover the top credit cards for balance transfers in our comprehensive guide. We analyze interest rates, introductory periods, fees, and rewards to help you choose wisely. Find cards offering low or 0% APR on balance transfers, along with eligibility criteria for various credit scores. Take control of your debt and save money by selecting the perfect credit card for your needs today.

The minimum wage requirement for credit cards is set by financial organisations. They use this information to evaluate your application. The range could change, though, depending on the issuer and their policies. However, before proceeding, every institution takes into account your financial situation.

As the world evolves towards a more convenient and efficient way of conducting transactions, contactless payments have emerged as the future of credit card transactions. By simply tapping or waving their cards or mobile devices near a payment terminal, users can effortlessly complete purchases without the need for physical contact or the hassle of entering PIN codes.

Make your dream wedding a possibility with marriage loans. In India, where weddings are celebrated with grandeur, these loans offer a convenient financing solution.

Take charge of your financial future with our comprehensive guide to personal finance. With practical tips and expert advice, you'll gain the knowledge and confidence to handle your personal finances like a pro.

When withdrawing cash using a credit card, it's important to know that cash advances usually come with higher interest rates compared to regular credit card transactions. Be prepared for potential fees and interest charges that may apply.

EMI calculators are valuable tools that can greatly assist in managing credit card loans more effectively. By utilizing these calculators, individuals can determine the Equated Monthly Installment (EMI) amount they need to pay towards their credit card loans. This helps in budgeting and planning finances accordingly, ensuring timely payments and avoiding late fees.