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Partnering with top banks in India, Flipkart has introduced debit card EMI facility for your purchases. It also provides no cost EMI to the customers using partnered banks’ debit cards.

The password for your credit card net banking should be kept secret and should not be shared with anyone. It is important that you change the password frequently to enable secure transactions and safeguard your credit card account from password theft.

Your phone number is a vital piece of information that must be kept current in your bank records. Because you receive all of your alerts and OTPs on your phone, and if you don't have the correct one on file, there's a risk of fraud or credit card misuse.

With the advent of digital technology, online lending portals are one rise in recent times. You can get paperless loans in minutes just by uploading your bank details and KYC documents. Getting a low interest loans from these private lenders are easy and flexible.

The lenders usually refer to your credit score and credit report when you apply for a loan or any other credit product. However, when you do not have a credit score while applying for a loan, the lenders look at other parameters such as your income, employer, repaying ability etc.

If you have a house or a piece of property, you can use it as collateral to get a secured loan. The interest rates on secured loans are usually lower than personal loans but can be higher than normal if you have a credit score under 600.

Yes, you can get a loan with a very low credit score in India. Though it isn’t easy to get a loan with a very low credit score, it isn’t impossible. You can apply for a secured loan against gold or property.

Before embarking on any search for credit you should attempt to look at your credit profile, a credit profile is a comprehensive profile which consists of a bureau credit score and a record of all your past credit accounts, in other words how you have performed in the past.

Most of the credit cards have a ‘Fuel surcharge waiver’ listed as one of the benefits. To understand the benefit, you must first know what the surcharge is.  It is nothing, but the transaction charge levied for using the credit card for fuel transaction. For example, if you have made a fuel purchase for Rs. 1000, you will end up paying about Rs. 28 additionally, out of which Rs. 25 is a surcharge and the rest are for the service tax. 

To make sure you have a good credit profile and avoid being rejected, check your credit score beforehand and apply for a credit card with any bank.

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. The interest rate and tenure are informed upfront. Based on it, you can choose the loan at your convenience.

One of the most distinct benefits of credit cards is the ability to convert payments into EMIs so that you don't have to deal with the financial impact of a large purchase. HDFC Bank is one of the many lenders that would allow you to convert your purchases into EMIs. As a result, when your HDFC credit card payment grows too large, you can quickly convert it to a smart EMI.

If you are to pay the EMI from another bank account, you can register HDFC credit card in the payee segment to make payment as per your wish. If you are an existing HDFC customer, you can make the payment using the net banking facility.

The approval time depends on whether you are an existing customer or new customer. If you already have a savings account, credit card or any other credit product with ICICI Bank, you are very likely to get instant approval on your personal loan application.

Paying off a home loan early will help you accomplish a lot of other financial obligations. Month-on-month payment towards the home loan from your hard- earned money could curtail your financial growth or other saving plans. We cannot deny the fact that the home is the basic need and an own house is a huge advantage.

Having a poor credit score can become a setback in getting a loan from any lender. However, it is not the end of the road in availing a credit.

Individuals who have taken loans from banks or have been using a credit card will have credit score which will be generated by the credit bureaus. Checking your credit score is easy and simple. There are several financial portals that let you check your credit score for free in India.

Bajaj Finserv EMI card is a payment instrument that comes with pre-approved loan amount based on your credit eligibility. You can get up to INR 4 Lakhs on the card which can be used for various purchases such as electronics, gadgets and lifestyle products. You can apply for an EMI card through the following ways.

Developed countries have traditional unemployment insurance schemes. Implementing the similar scheme in developing countries like India is quite a challenging task.

Though you can send money to your usual savings account in India, it is against the law and you will be penalised for the transaction if it comes to the notice of the officials. After residing in a foreign country for more than 185 days, your resident status changes and you will be considered a Non-Resident Indian.

ICICI home loans can be availed by both resident and non-resident Indians. Before applying for a home loan, it is important you check your credit profile by accessing it from credit bureaus or financial portals like CreditMantri for free.