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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Tracking your credit card usage is very important for your financial health. There are different ways to do it and we will look into them in detail.
Keep track of our credit card usage –
Online Banking
Most credit card companies will give you an online customer portal to manage your card account. This portal will let you pay your bills and carry out other account management activities.
You can get the account summary for a particular period via the portal. This summary will help you get a clear picture of your credit card spending habits. Most portals have a spending tracker that already gives you a summary of your credit card usage. This lets you scrutinize your spending habits and make improvements, if necessary.
Subscribe To Alerts
All credit card companies send you alerts for your transactions, bills and bill due dates through SMS. Check all the alerts to ensure that there is no fraud.
Excel Spreadsheets
Everyone should budget their monthly finances. If you are not doing it, you better start now. And Excel is the best tool to do that. Excel is simple to use and comes with many functions to help you with your monthly budget. You can add your credit card expenses in a separate column and use features like comparison, tables or charts to get a summary of your credit card spending.
Download Spending Tracker Apps
There are hundreds of such apps for your mobile phones. These trackers are very efficient in giving you a clear summary of your credit card spending. They give you a clear picture of your credit card spends, right at your fingertips. They are easy to use and save a lot of time.
Key Takeaways
A credit card is an unsecured debt. If you don’t use it judiciously, you may end up in a debt trap which again is a mammoth task to get out of. Use the available tools to keep track of your credit card usage so that you don’t face any unpleasant situations.
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application