Pre-approved credit cards help you get instant credit, which you can use to manage your unplanned or planned expenses. You can get these cards from the issuer when you meet certain eligibility terms. This way, you can get the required credit without waiting for approval. While getting such an offer may sound exciting, it’s important …
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Financial institutions levy credit card over limit charges when you spend more than your sanctioned credit card limit. While this increases your credit card bill amount, it has other negative effects, too. Understanding these charges helps you manage your use of credit and your finances. Read on to learn what is over limit in credit …
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Access to multiple credit cards has made it easier than ever for you to shop, address daily expenses and cater to emergencies. After all, credit cards offer easy access to credit whenever you need it. What’s more, you get to enjoy exciting benefits like: Cashback on certain transactions Discounts and deals Reward points Fuel surcharge …
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A credit card statement can be an essential tool that can help you manage your transactions wisely and without much hassle. The card provider generates this document at the end of every billing cycle or at the cardholder’s request. While you can check your billing amount and other important details with the credit card statement, …
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Credit card late payment charges are one of the many pieces of information about a card that you need to be aware of. Issuers levy this when you don’t clear your bills on time. While credit cards offer many benefits, these charges can increase your financial burden. Therefore, you must be careful of them. Knowing …
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Due to your busy schedule and on-the-go lifestyle, you may struggle to pay credit card bills on time. Failing to make timely payment of your outstanding balance will lead to piling up of interest with late payment charges. To avoid this additional cost, you can also pay the minimum balance if that fits your budget …
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Credit card reward points are something that most issuers offer to their cardholders for using the card. With every use, you get a certain number of points depending on several factors. You can exchange or ‘redeem’ these points for products, discounts or a cash equivalent and more. Read on to learn more about what credit …
The APR on credit cards can often make you hesitate when it comes to using this powerful tool in your financial arsenal. Fortunately, you can lower your credit card APR and avoid paying interest when you clear your bill in full. To learn about what is the annual percentage rate for credit cards, read on. …
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In 2021 alone, Indians lost ₹160,000 crores in banking scams. Among these, credit card fraud in cyber security has emerged as one of the most prominent concerns. In the last fiscal year, the RBI recorded the highest number of cases related to digital payments with credit cards. Despite security advancements and encryption protocols, fraudsters and …
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To help you easily track your credit card application status, card issuers offer many simple and quick options. Using online modes, you can initiate a credit card status check from the comfort of your home. You can also choose offline options to get updates on your card status. When you track your credit card application, …
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