Credit Cards

Every credit card comes with special features and benefits. Hence choosing the right credit card will help you reap the benefits out of it. For example, if you are a frequent traveller, a card with a lot of travel perks will be helpful in getting travel privileges and offers.

Preference depends on your emergency and the loan amount you need. A personal loan is an unsecured loan that does not need a guarantor or collateral. The application process is simple, and you can also apply online for quick disbursal.

Credit card debt would put you through financial situations. The credit card customer care team would be making numerous calls on your payment and it could put you restless. What can you do to handle this problem effectively?

Credit cardholders at HDFC Bank have the option of paying only the minimum amount due as indicated on their statement. The outstanding balance will be carried forward to the subsequent statements. Cardholders can also pay the whole amount owed or pay more than the minimum amount owed. Any such payment must be made prior to the payment due date.

A corporate credit card is a good tool for a company for impressive savings as it provides the flexibility in bill payments. It offers an ease of convenience in account management for any business operation.

A credit card allows the user to make purchases and pay for them later. On the other hand, a debit card is already loaded with money, the amount of your savings or current account. Both are useful tools in making payment for various purposes.

Your CIBIL™ Rating is influenced by a lot of factors. Credit cards give you revolving credit which forms an important part of your credit report.  Cancelling your credit card can impact your credit score. So, you need to be aware of all the impacts due to the cancellation.

Yes, it is indeed good to have a credit card if you judiciously use it. Following benefits will help you understand why you should have a credit card.

Credit card is a wonderful tool especially when you use it in the right way. It indeed can help you build wealth in the long run and we will tell you how. Cashback is a good option that most of the credit card provides. You can definitely save some money on every cashback you get on a purchase.

Generally, if you are a salaried employee, getting a credit card would be easier if you have pay slip for the last three months. Banks prefer customers from reputed companies because it makes KYC easier for them and they offer a lifetime free credit card along with opening a salary account and it easier for you even if you do not have a credit score or pay slip.

To decide between credit card loans and personal loans, it all depends on your urgency and requirement. In the category of loans both are unsecured loans and have certain advantages and disadvantages.

You can call up the credit card customer care number toll-free number 1800 266 4332 and request the executive to give information about your credit card balance.

It is easy and simple to check your HDFC credit card balance. Following are the ways to check your HDFC bank credit card balance

It is actually not advisable to pay one credit card bill using another credit card. There is no direct way to pay one credit card bill with another credit card. However, if you wish to use one credit card to pay another credit card's payment, you can do it indirectly.

Your phone number is an important detail that has to be up-to-date on your bank records. Because, you receive all your alerts and OTPs on your mobile phone and if you don’t have the correct one on the records, there are chances for fraud or misuse of your credit card. 

There are numerous instances reported where the money has been debited from the bank account and unable to track the criminals who have stolen. The only way to claim the amount lost could be file a FIR with the police and approach the bank for refund. The refund can be claimed only if it is reported within a stipulated period.

On the process of splitting the payment, the credit card issuer might charge a certain interest rate which would range up to 3 percentage. If you are looking for an EMI option with no interest charges, a credit card might not be a good option.

Yes, you can pay your credit card bill from Paytm. It is one of the best features of Paytm; pay your credit card bill like any other utility bills on Paytm. It is very simple and convenient. 

To put it simply, a virtual credit card is an online version of your credit card. All details related to your credit card such as card number, CVV number, expiry date etc. are visible online.

It is not possible to withdraw cash from an ATM using your Slicepay Gold Credit Card.  SlicePay Gold Credit card is a virtual credit card designed for students that only allows you to make online and offline purchases, pay bills etc. Unlike credit cards, withdrawing cash from ATM or through any other channel is not possible.

There is no such thing as best credit card, but you can make the credit card work best for you if you choose the right card that matches your credit needs. As you are new to getting a credit card, it is recommended to analyse your major interests and spending habits associated with it.