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If your refund comes through a debit card or credit card that you have cancelled just because of some fraudulent activity, the bank will sanction the refund amount into your account that is linked to the same debit card/ credit card number, as the account number is still active.

Prepayment is a process where the borrower decides to pay his loan partially in maximum amount before the loan closure period. HDFC Bank allows you for the partial payment of a personal loan if you have taken HDFC Bank Personal Loan, on or after 1st of April 2018. 

Pre-closure or pre-payment is a process where the borrower chooses to pay his loan fully or partially before the due date. Before taking this step, the borrower should make sure that he has sufficient funds to close his loan early. It is also advisable that the borrower finds out with his lender if there is any penalty for pre-closing his loan.

Boosting credit score overnight is impossible as there are a lot of procedures followed in updating your credit activities. After finding that you have a poor credit score, you try to find out what has impacted your credit score. You may have outstanding dues to be paid to the lender, you may have incorrect data on your credit report, or you may have a settled or written off account, etc. Any one of these factors may have affected your credit standing.

SBI Yatra card can be very useful to frequent travellers as they can avail a lot of offers such as welcome gifts, reward points, fuel surcharge waiver, etc., which comes along with the card.

Citibank has an exclusive credit card for rewards category which is known as Citi Rewards Card. Designed exclusively for the purpose of earning reward points, this credit card provides you a rewarding shopping experience. Following are the features and benefits of this credit card

IRCTC SBI Platinum Card holders are privileged to get exclusive offers on their travel while booking their transactions through IRCTC. These benefits include:         

It is now easy to purchase your favourite mobile with a Bajaj EMI card. To do that, you first need to get your Bajaj EMI card either by applying online or at the partnered outlets where an executive of Bajaj Finserv will be there to get you the card by submitting few documents.

The answer is yes, but it depends on various factors. For example, if you have secured an admission into an accredited institution, the lender may not require a guarantor or a third-party guarantee to get approval on the education loan.

A loan consists of two factors – Principal amount and Interest amount. The Principal amount remains the same for all the applicant irrespective of what their credit score is, but depends on their income. But what matter is or makes a difference is the interest rate, which majorly depends on your credit score. If you have a good credit score, the banks can trust your credit worthiness and your repayment capacity.

Kisan Credit Card, also known as KCC, is a special scheme introduced by NABARD and Reserve bank of India in 1998 all over India. The main motive of this scheme is to provide quick and easy credit to the farmers through the formal banking system rather than depending on the private banks which could be expensive. Currently, the Kisan Credit Card is offered by National Bank of Agriculture and Rural Development (NABARD), cooperative banks, regional rural banks and Public sector banks. 

HDFC Bank provides Insta Loans to all the HDFC Bank credit cardholders against their credit limit. One can avail Insta Loan based on their eligibility. Closing the Insta Loan is much similar to closing all other loans. After completing all the repayments, you can call up the customer support of HDFC Bank to request for a ‘No Objection Certificate’ (NOC).

The first step is to log into the LIC website and select your preferred language. After this, you are required to register as a new user by completing the LIC online registration process. If you do not wish to register yourself, you can continue as unregistered user and make the payment.

Customers can usually redeem reward points for gift cards and vouchers from credit card companies. Only a few credit card companies allow customers to convert reward points into cash, which can then be used to repay the outstanding balance.

What is the budget for 2019?

Can i purchase a phone with Bajaj EMI Options online?

How do i know my Bajaj EMI card credit limit

As per the Motor Vehicles Act 1988, it is legally mandatory for any person owing a car to have a car insurance in India. This is to legally cover the accidental damages incurred by the owner and is bound to pay this amount to who so ever concerned.

Lenders see individuals with bad credit as risky borrowers. Upon that, an unsecured loan contains more risk to the lender as there is no collateral involved. Due to this reason, the interest rate on unsecured loans are generally higher.

Applying for a home loan is not an easy task. Banks or lenders will look at certain important factors of the applicant, (like income, credit history, loan amount, eligibility, etc) before approving the loan. In some cases, the applicant may not be able to take a loan single-handedly. In such cases, the borrower can choose the option of having a co-applicant to get the loan without rejection.

Lenders see individuals with bad credit as risky borrowers. Upon that, an unsecured loan contains more risk to the lender as there is no collateral involved. Due to this reason, the interest rate on unsecured loans are generally higher. To be honest, the chances are lower with banks who might reject your application.