The Vibe Journal: Finance Blogs

Want to check your Union Bank account balance without any hassle? You can just use the Union Bank balance check number. Simply call or send a message and you’ll get your latest balance instantly. Just ensure that the mobile number you are using is registered with the bank. You can also explore other easy ways …

Understanding the meaning of EMI is crucial if you are planning to get loans and credit cards. Since you are repaying in parts and not in a lump sum, EMIs offer a more convenient way to lower your financial obligations with periodic payments. Read on to learn the meaning of EMI, how it works and …

The full form of IMPS in banking is Immediate Payment Service. This fund transfer facility gives you real time updates on your online payments, including bills, fees, tickets, merchants and more. Knowing what is IMPS is important for transferring funds easily as you can use this facility for urgent needs.  However, there are limits, charges and …

Under the Negotiable Instruments Act of 1881, cheque bounce is categorised as an offensive act. If your cheque bounces for any reason, you must face consequences such as monetary penalties, imprisonment or both. It can also impact your credibility and lead to other such negative effects.   Read on to learn about the meaning of cheque …

The option to block your ATM card is one of the ideal options to ensure better protection of your funds. You can rely on this option if:  When you realise your card is not at risk after you block it, you can easily unblock it. This gives you complete access to the funds and ensures …

Wondering what an Issuer Identification Number or IIN is? Well, it’s an important component of payment cards, like credit and debit cards. The number helps identify the card issuer and your card’s processing network. Apart from this, you get to enjoy several other benefits, making this an important part of your payment card. Here’s a …

If your credit card application is declined, it isn’t the end of the world. Nowadays, applying for a credit card is easier, thanks to fintech advancements that allow you to get quick approval from the comfort of your home. Despite the easy access, issuers have specific eligibility criteria that you must fulfil.  All financial institutions …

Reverse repo rate and repo rate set by the RBI are specific monetary policy tools. The policies that govern these rates help manage the country’s overall economy. Specific factors like inflation, currency rate changes and money flow influence these rates.   Read the information below to define repo rate and reverse repo rates and learn how …

Wondering if you can check CIBIL score with a PAN card? The answer is yes. As you may be aware, your CIBIL score plays an essential role in your credit approval process. Lenders consider it a reflection of your repayment behaviour. If your CIBIL score is on the lower end, lenders may hesitate to approve …

The password of an e-Aadhaar card is a security measure that’s in place when you get a soft copy of your Aadhaar card. The password is an important measure as it protects you from identity theft and privacy infringement. It is generated in a fixed format based on the details mentioned in the card.  Read …