Credit Cards

To apply for a credit card, you can go the bank’s official website and directly apply online or call up the credit care customer of the bank and ask the bank’s representative to contact you for application.

There are four credit bureaus in India who generate your credit score and credit report. CIBIL™ is one of them and the credit score provided by them is known as CIBIL™ score. To improve your credit score, you may have to cultivate some of the important financial habits.

Any credit score above 750 is considered as good score by the lenders. If you have recently taken a credit from a bank or NBFC, you may have less than 750. A credit score is calculated based on various components like credit history, credit mix and credit utilisation ratio. To get a credit score, you may have to keep in mind the pointers given below

Bajaj Finserv EMI card allows you to make purchases for the pre-approved loan amount and repay it on a monthly instalment. The credit limit on the card is increased based upon review, and the approval is done on a quarterly basis.

Withdrawing money from ATMs using your credit card could be quite expensive. Different banks levy different amount for the money withdrawal.

Once you fail to pay the credit card bill, the lender will send you a notice of your delinquency and urge you pay to avoid increase in the interest. Continuous defaults will add up more interest and the lenders might ask you for a settlement. If you are still unwilling to settle the amount, the credit card issuer may challenge you in court for repayment.

When you overpay your credit card bill, it remains in your credit card account which can be used for future purchases. However, if you want to claim a refund, you will have request it in form of writing or contact the customer care over phone for refunding.

Yes, you can. You can walk into the nearest branch of your bank and pay your credit card bill with cash.  There are many different ways to pay your credit card bill. Most people pay their credit card bills online these days. 

HDFC bank allows you to redeem the reward points into cash only for the following HDFC credit cards.

Yes, you can! Mobile wallets help you make purchases and payments through the credit card and debit card account linked to the wallet. You can also make your credit card bill with the credit card information stored on the wallet.

Yes, you can pay your credit card bill through the respective bank’s ATM.  Though online payment is popular these days, many people who are not well versed with online banking, or senior citizens who don’t use much digital banking, prefer to make payment through other modes. 

There is actually no direct way of paying one credit card bill through another credit card. But, if you do want to use a credit card to pay for another credit card’s bill, you can do that indirectly. 

It is recommended to pay off the entire amount as having some balance on your credit card for a long time can hurt your credit score. Though paying minimum due balance can relieve you temporarily from your financial burden, leaving a balance month on month could add up the interest rate and also hamper your credit score.

There are multiple ways using which you can pay off another person’s credit with your credit card.

As the name suggests, it is the remaining amount on your credit limit that can still be used. It could also mean that it is the amount the credit card issuer owes you in terms of rewards and cash back which can be redeemed later.

I had credit card of CITIBANK in early nintees due to a dispute had to foreclose the amount to be paid. I had an NOC from the bankers , Similarly in mid nintees I had an SBI card similarly the same happend I had an NOC from them also but presently the cibil™ score is less than 750 where can I submit my documents & improve my cibil™ score

applied in DCB bank, but didn't get acknowledgement from bank

If you have bad credit, it advisable to first improve your credit before applying for any kind of credit product. This is because you can save significant money on your repayment burden. It is possible that you might be approved for a credit card IF you do not have very poor credit record. This is because each lender has their own set of requirements and evaluation criteria, so you might be approved by one lender while being rejected by many others.

I have interested about HDFC credit card so pls call me

Before applying for an ICICI credit card, make sure you satisfy the age and income criteria to avoid unnecessary rejections. You can go to your nearest ICICI branch and apply with the required documentation. Or you can visit the ICICI bank website and apply online.Typically, it is easy to get a credit card if you are a working professional and have a consistent source of income.

You can log on the SBI website and choose from the wide array of credit card products they offer. You need to make sure you qualify for their credit cards and fulfill the eligibility requirements. Once you have done this, you can either apply online or go directly to the nearest branch and have a representative help you with the details. You can also approach a verified sales agent for your credit card application.