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Spending becomes a joyful experience when you can gain from what you spend. To make that happen, credit cards could be the only option for you. Some of the popular banks in India offer cash back rewards which can be accumulated and later result in a lot of savings on your monthly bills.

The habit of saving was evident throughout the history of mankind as we read that people stored grains, precious metals and weapons in temples and palaces in the earliest civilisations. In the current scenario, banks have become the commercial centres that help people save their earnings.

Following the buzz of ‘Go Cashless’, ‘Go Paperless’ has become the next popular catchphrase. When realized it should bring about a reduction in processing time and effort in the lending system. Both banks and NBFCs have adapted to smarter banking methods through digital transition.

A credit report gives a snapshot of an individual’s credit accounts, repayment history and various other financial dealings. The credit score is calculated based on the above factors. Creditors check the credit score before taking a decision to extend credit to their customers.

Owning a two-wheeler gives a lot of comfort to commute from one place to another especially in busy metro cities where travelling in public transport could turn out to be quite a nightmare.

Credit cards make your life easy in many ways, there is one situation that spoils the experience. This is the situation where your bill statement is wrong. This is a very common occurrence where each year hundreds of customers face this problem where instances of wrong credit card statements create stress and sleepless nights for the card holders.

The prices of homes in India have sky rocketed in the last decade, to the level that it is almost impossible for individuals to buy a home with just their savings. Even the slight chance of possibility comes with compromise made on location or space.

As kids we have all loved cars. We would have at one point of time played or imagined us driving cars or racing against friends. As we grow older that dream of owning your own car is carried on in our minds.

Buying a home is a major decision for any person. A lot of thought goes behind such a big purchase decision of the home.

A personal loan can be an immediate help for any urgent need. However, a personal loan generally comes with a high rate of interest as it is an unsecured loan.

Gone are days when taking a loan or asking for credit was a cumbersome process, loans provide for financial needs which individuals are not able to meet on their own.

Home loan is a long-term commitment which demands a stable repaying capacity by the lenders

There was a time when taking a loan was considered taboo by our parents and grandparents. They were under the impression that taking a loan is risky

When a lender goes through a loan application, the borrower’s repaying capacity is one of the important factors linked to the approval

The saying a little knowledge is a dangerous thing could very well be replaced with a minimum payment due is a dangerous thing.

Credit card usage has steadily increased over the years. Today, most banks offer credit cards to the majority of account holders at nominal charges.

Your credit card may be loaded with free insurance, benefits of reward points, bonus points, discount on purchases and cash back offers. Apart from all these convenient features, it might seem the right thing to withdraw cash from ATMs in an emergency.

Rejections are a pain, it is not a word that brings with it positive associations; be it those lonely nights that come post a rejection of love or struggles that come post an interview rejection.

If you’re a salaried employee, then you know that the take-home pay is far less than the overall salary package. A significant percentage of your salary is deducted every month to invest in the EPF (Employee Provident Fund), ESI, and other schemes.

There are three types of people in the world when it comes to those in need of money – one with good credit score looking to borrow money for their immediate needs like buying a home, medical need, education purposes etc.

With the increase in usage of smart phones, laptops headphones are popularly used. With the distance travelled by people to and from office is long the usage of headphones to listen to songs or watch movies has become a common practice.