What Are The Benefits Of SBI Elite Credit Card?

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Do you know what is a credit score if you don’t know then we are here to clear your every doubt? Basically, a credit score is a number 300 to 850. The better a borrower seems to potential lenders, the higher their credit score. if you want to know more about HDFC Freedom Credit Card vs Regalia First then listen to our audio and visit this link: https://dailygram.com/index.php/blog/1107254/hdfc-freedom-credit-card-vs-regalia-first/…

Credit card podcast by raman

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Hidden Charges In Credit Card Explained! 2:55

2 years назад2:55

2:55

It is said that nothing in life is free. But every one of us clamors to procure products and services that come with the term 'free'. However, there are a few terms and conditions that come with each of these 'free products. Similarly, if anyone is enticed into purchasing a credit card for free, they must understand that there are a few fees and charges attached to it and in effect, are not completely free. Most of these additional charges may not be revealed upfront to customers but will be charged nevertheless. For more details visit this link: https://medium.com/@karannegi./hidden-charges-in-credit-card-explained-c37fe988b4a9 Some Fees and Charges Applicable to Credit Card Prior to acquiring credit cards, customers must first be aware of the following fees and charges that may be applicable. Annual Maintenance Charge This is the annual maintenance fee that is applicable to a credit card. In most cases, when individuals are offered free credit cards, it may mean that the joining fee and the annual charge have been waived for a period of one year but may be applicable from the following year. Prior to procuring the card, customers must confirm if their annual maintenance charge is waived for a year or for life. Interest Charge The credit card bills for every month will show the total amount that is due and the minimum amount that is payable. Many individuals choose to only pay the minimum payable amount assuming that the rest can be paid later. But this practice will only result in their falling into a debt trap. Also, a 2% to 4% interest rate is charged per month on this remaining amount. The monthly rate of interest is generally annualized to arrive at an APR or annualized percentage rate of 36% to 38%, which is very high. In addition to the nominal rate of interest, this annualized percentage rate can result in quite a burden for the individual. Hence, all potential credit card holders will have to strive to pay their bills in full and not just the minimum amount due. GST All credit card transactions are subject to GST as per prevailing GST laws. Late Payment Charges In case a cardholder does not pay his/her due in time, additional charges will be levied which is called the late payment charge. This is applicable when the customer defaults in their payment of monthly credit card due post the due date. This is a flat fee amount and is not dependent on the interest charges. Overdraft Charges When a customer exceeds the monthly credit limit that is applicable on their credit card, these charges are applicable. Foreign Transaction Charges In case customers make an overseas transaction using their credit cards, foreign transaction charges are levied. This is around 3% to 5% of the overseas transaction and is then converted to INR based on the exchange rate depending on the date of the transaction. Charges for purchasing petrol Purchasing rail tickets or petrol using credit cards attracts additional charges. This is a set percentage of the amount that is spent.…

Credit card podcast by raman

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What Are The Benefits Of SBI Elite Credit Card? 4:39

2 years назад4:39

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What Are The Benefits Of SBI Elite Credit Card? SBI Elite Credit Card is an all-rounder premium credit card with benefits across varied categories including travel, shopping, movies, and more. With a reward rate of 2.5% (on certain categories) SBI Card Elite is a highly rewarding card, especially if you are a high spender. Read more to know about the detailed features and benefits of the card. The SBI Card Elite Credit Card provides benefits on air travel, hotel bookings, and foreign transactions. This card also provides typical SBI credit card benefits like complimentary movie tickets, annual fee waivers, accelerated rewards, balance transfer on EMI, Flexipay facility, and a lot more. For more details visit this link: https://theomnibuzz.com/what-are-the-benefits-of-sbi-elite-credit-card/ SBI Elite Credit Card-Features and Benefits Welcome e-gift voucher worth Rs. 5,000 SBI Elite Credit Card charges a joining fee of Rs. 4,999 but returns the entire amount in the form of Rs. 5,000 welcome gift vouchers. You can choose the brand of your choice from the varied brands that include Hush Puppies/ Bata, Yatra.com, Shoppers Stop and Pantaloons. You will receive an SMS to choose from e-voucher options within 15 days of the annual fee payment. The e-voucher will be sent to your registered mobile number/email ID, within 5 days of the request. ELITE Rewards on all your purchases SBI Card Elite is a highly rewarding card, especially if you are a high-spender. Following is the reward point structure of the SBI Elite Credit Card- 5X Reward Points on Dining, Departmental stores, and Grocery Spends 2 Reward Points per Rs. 100 on all other spends, except fuel 2 Reward Points on every Rs.100 spent on International transactions Note: 4 Reward Points= Rupee 1 Milestone Rewards Get up to 50,000 Bonus Reward Points worth Rs. 12,500/ year. Reward points are given in the following manner: 10,000 bonus rewards each on spending Rs. 3 Lakh and Rs. 4 Lakh in a year 15,000 bonus reward points on spending Rs. 5 Lakh in a year Additional 15,000 rewards on reaching annual spends of Rs. 8 Lakh Free movie tickets worth Rs. 6,000 every year With SBI Card Elite you will get complimentary movie tickets worth Rs. 6,000 every year. The transaction will be valid on at least 2 tickets per booking every year and you can avail a maximum benefit of Rs. 250 per ticket. Also, a convenience fee will be charged on all transactions.…

Credit card podcast by raman

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Best Premium Credit Card: Everything You Need To Know 5:00

2 years назад5:00

5:00

Best Premium Credit Card: Everything You Need To Know Premium credit cards offer the best of lifestyle privileges and benefits that you can't expect from a regular credit card. A few high-end facilities offered by such cards are free to lounge access to domestic and international airports and an exclusive reward points program. Also, to redeem the reward points, these cards offer equally exciting redemption options across a diverse range of first-rate products and services. Another attraction of most of these cards is the set of special services by a dedicated concierge. For more details visit this link: https://personalfinancebyrajat.blogspot.com/2022/10/best-premium-credit-card-everything-you.html the best premium credit cards in India 1. American Express membership rewards credit card the bonus feature of this credit card is the reward points that come with every spend on this card. what's great is that each of these points can be redeemed for a fruitful reward. here are some notable features of this card: requires a minimum income of ₹40,000 every month. an annual fee of ₹1,000 is applicable. earn reward points for every rupee spent on the card. make your American Express Credit Card Payment via CRED to earn reward benefits. 2. Indian Oil Citi Platinum credit card do you want to save some bucks every time you refuel your vehicle? this credit card is an excellent way to earn some decent benefits and save your money on fuel costs. the features of this card are: earn turbo points and fuel surcharge waiver which saves the cost of up to 70 liters of fuel. carries an annual fee of ₹1,000. additional benefits and rewards. make your Citibank Credit Card Payment via CRED to earn reward benefits.…

Credit card podcast by raman

1
Ways To Save Money Using Credit Card 2:57

2 years назад2:57

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Using a credit card requires smart spending and budgeting to avoid the dangers of getting into debt or paying hundreds of dollars in interest and fees. However, when you shop carefully and use your credit card strategically, you can take advantage of rewards, points, and other perks to save or even earn money. And you can do it without getting into debt as long as you follow two basic rules: charge only what you can afford and pay your balance in full every month. Learn how careful credit card use can help you earn, rather than lose, money. For more information visit this link: https://articlescad.com/ways-to-save-money-using-credit-card-57159.html Transfer Balances to Reduce Interest If you're currently carrying a balance on a credit card with a high-interest rate, you may be able to save hundreds of dollars by transferring that balance to a credit card with a lower interest rate. Taking advantage of a 0% APR balance transfer offer will give you time to pay off your balance without accumulating interest. For example, you can save almost $400 by moving a $3,000 balance at 17% to a credit card with a 0% APR for 12 months. Just be sure you can pay enough each month to bring your balance back down to zero within the introductory period. Otherwise, you'll end up losing money by still paying significant interest. Use 0% Purchase APR Many 0% introductory rates are offered only with balance transfers. However, some credit cards offer 0% introductory APR on purchases as well. This means that during the offer period, any purchases you make are also subject to 0% interest. If you have a big-ticket item to purchase—new furniture, a medical procedure, or a vacation—using a credit card with a 0% APR will let you break up the purchase into multiple payments without having to pay interest. Pay With a Cashback Credit Card Cashback credit cards let you accumulate cash rewards on your credit card. If you can use your credit card to pay for most of your expenses, not just those purchases that earn the most rewards, you can max out your cash earnings. For example, if you spend around $3,000 each month on bills and other expenses, you can earn $360 a year on a card that pays just 1% in rewards. The caveat here is to make sure you are able to pay off your card balance at the end of each month. Otherwise, the interest you are charged will quickly outstrip any cashback you earn. Skip the Car Rental Insurance Using the car rental agency's rental coverage can increase the price of your rental every day. However, depending on the credit card you use, that extra insurance may be unnecessary. Most major credit cards provide car rental insurance as long as you decline the coverage offered by the car rental company and pay for your rental with your credit card. This can save you tens or hundreds of dollars every time you rent a car.…

Credit card podcast by raman

1
5 TIPS ON HOW TO COMPARE MULTIPLE CREDIT CARDS 3:44

2 years назад3:44

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There's little doubt that today the credit card is one of the most popular and sought-after financial products in the market. Owing to its high demand, the market is filled with credit cards aimed at every spending category and this is precisely why it's not surprising if you get confused while trying to figure out the best credit card for yourself. For more details visit the link: https://medium.com/@karannegi./5-tips-on-how-to-compare-multiple-credit-cards-600f4e942511 Top Tips for Comparing Multiple Credit Cards Choosing one among the numerous available options isn't a cakewalk but you would get a clear picture if you follow the credit card comparing tips listed here. Ascertain the category: This is perhaps the most crucial factor to be taken care of. The first step to compare various credit card is to figure out the category of the card that you need. If you are a frequent traveller, you should go for a travel credit card. Likewise, if you are a foodie and spend the most on restaurants and dining out, check out the best options on the dining category. Other popular categories include cashback, daily expenses (including groceries), online shopping, etc. Know the credit card type: Here, you have to choose from options like silver cards, gold cards, regular cards, platinum, titanium, etc. The type of card you are eligible for would primarily depend on your income along with a few other factors. The major difference between these card types lies in the features and benefits that they offer. Interest-free period: Also known as the grace period, this is the number of interest-free days that you enjoy on your credit card expenses. This can typically extend up to 50-55 days depending on the date of the expense with respect to the monthly credit card bill generation date. So check out the best credit card in terms of the interest-free period. This would certainly help you in enhancing your experience of using a credit card. Reward points: One of the attractive features that almost every credit card offers is the reward points program. Most credit cards give you reward points when they are used for transactions across a wide range of categories. The accumulated points can then be redeemed for attractive gifts and benefits. So check out the cards which would give you the highest reward points on the categories on which you spend the most. Interest rate: Another factor that is very important to consider is the rate of interest that you would be charged on your card transactions. Because the interests start accumulating right after the grace period (from the date of transaction for certain spend categories), try to get a card that has a relatively low-interest rate.…

Credit card podcast by raman

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HOW TO USE CREDIT CARD FOR SHOPPING 3:52

2 years назад3:52

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Shopping credit cards are specially designed for lifestyle benefits, for instance- discounts on apparel, footwear, electronics and others. These credit cards are beneficial for frequent shoppers. Apart from discounts and offers, a shopping credit card also features other benefits such as domestic lounge access, milestone benefits, complimentary gift vouchers, e-vouchers and annual fee reversal.Paying for anything with a Credit Card, online or offline, is simple. For more details visit the link: https://www.klusster.com/portfolios/karan-negi/contents/353770 How to pay with a Credit Card at an offline store? To pay for your purchases at a retail outlet, be it a restaurant, a supermarket or a shopping mall, just present your card at the billing counter. The person at the counter will swipe or insert your card into a machine and ask you to enter your PIN (a secret code that only you know). Enter the digits of your PIN, and the transaction will be authorised. Sometimes, your transaction may be declined if you enter the wrong pin, haven’t paid your Credit Card dues, or have crossed your credit limit. How to pay using a Credit Card online? Most online sites will have a similar checkout or payment process, whether you are buying an airline ticket or a book. Once you complete your shopping and hit pay, you will be taken to a payment gateway. Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number on the back of your card). Sometimes, you may be asked for the billing address too.…

Credit card podcast by raman

1
How To Get A Credit Card Without Cibil Score? 3:09

2 years назад3:09

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For an individual who has no CIBIL score or has a low CIBIL score, it is quite difficult to get a regular credit card, however, it is not impossible. To get a regular credit card without having a CIBIL score, an individual can try doing the below-mentioned things: Get a secured credit card: This is the easiest and most convenient process that an individual can turn to while looking to get a credit card without having a CIBIL score. An unsecured credit card can be availed by all those applicants who have no credit score or possess a low credit score. The secured credit card can be availed in a bid to build up the individual's CIBIL score. To avail of a secured credit card, all the individual needs to do is open a fixed deposit account with a bank from which he/she wishes to avail of the secured card and make a deposit. The bank will issue a credit card to the individual with a credit limit between 50 to 100 percent of the total deposit made as per their banking terms and conditions. For more information click on this link: https://vanshka602.blogspot.com/2022/09/how-to-get-credit-card-without-cibil.html Get an add-on credit card: Availing of an add-on or supplementary credit card is another way for an individual to build his/her CIBIL score. An add-on credit card can be availed by the individual if he/she has a primary credit cardholder in the family. An add-on credit card comes with similar benefits and features as the primary credit card which the family member possesses. However, the credit limit that was on the primary credit card is now shared between both the cards, i.e. primary and the add-on credit cards. Irrespective of that, the individual can still avail of the benefits of the add-on credit card as well as use it during unforeseen times like financial emergencies. Credit card against savings account: Credit cards are offered against savings accounts only by some of the major banks in the country. This is another way an individual can get himself/herself a credit card without having a CIBIL score. To get a credit card based on the savings account that the individual possesses, he/she will have to deposit a certain amount of money in the account for the bank to provide him/her with a credit card.…

Credit card podcast by raman

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How To Apply For Flipkart Axis Bank Credit Card? 3:36

2 years назад3:36

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Axis Bank is one of the major banks in the country which offers a wide range of credit card to suit the needs of their customers through various categories such as shopping, lifestyle, travel, etc. The Axis Bank Flipkart credit card is a co-branded shopping credit card from Axis Bank and Flipkart which offers you a wide range of benefits and features from cashback for transactions, and airport lounge access along with fuel benefits. · Welcome benefit of Rs.3,300 and a wide range of discounts on other purchases. · 5% cashback on your purchases at Flipkart, Myntra and 2GUD. · 4% cashback on purchases made from preferred merchants. For more information click on this link: https://theomnibuzz.com/how-to-apply-for-flipkart-axis-bank-credit-card/ Features and Benefits of the Axis Bank Flipkart Credit Card Welcome Benefits · Get Rs.3,300 worth of joining benefits and activation benefits with the Axis Bank Flipkart credit card. · Avail a voucher of Rs.500 from Flipkart on your first transaction. · Complimentary 6-month membership on Gaana.com with your credit card. · With your credit card get a discount of Rs.500 on Goibibo on your domestic hotel bookings for a minimum booking of Rs.2,000. · On your domestic hotel booking with MakeMyTrip of Rs.2,000, get a discount of Rs.500. · 15% cashback up to Rs.500 on your first transaction at Myntra with this credit card. · 20% discount given for new customers on Urban Clap, up to Rs.400 with your credit card. Cashback Benefits · 5% cashback on Flipkart, Myntra and 2GUD. · Get a cashback of 4% on all preferred merchants. · 1.5% cashback on all other categories. Travel Benefits · With your Axis Bank Flipkart credit card, get 4 complimentary visits to domestic airports in a year. Fuel Benefits · Avail a fuel surcharge waiver of 1% with your credit card at all fuel pumps across India. · The offer is valid only for transactions ranging between Rs.400 and Rs.4,000. · The GST on the fuel surcharge will be non-refundable. Dining Benefits · With your Axis Bank Flipkart credit card, get a discount of 20% at partner restaurants under the 'Dining Delights' program by Axis Bank. · To check the list of restaurants, it is advised to visit the Axis Bank website. EMI Benefits · The credit card enables you to convert your purchases into EMIs with low-interest rates and a wide range of tenure ranges. · Only purchases amounting to a minimum of Rs.2,500 can be converted to EMI with your credit card. Axis Bank Flipkart Credit Card Limit The credit limit for your Axis Bank Flipkart card is completely at the discretion of Axis Bank. The bank will consider several factors before assigning a credit limit to your card such as your annual income, your credit score and credit report along with checking the repayment habits of your past and ongoing debts.…

Credit card podcast by raman

1
Balance transfer credit cards in India 3:14

2 years назад3:14

3:14

Overusing your credit card may bring you more debt burden than you can handle. Repayment can become a problem when your salary is not sufficient to meet the monthly expenses. In such instances, transferring your outstanding credit card amount to another bank’s credit card and paying back in monthly instalments at low interest or no interest rate can significantly reduce your debt burden. In India, not all banks who provide credit cards facilitate credit card balance transfer, but only a handful of credit card companies have this option. For more information click on this link: https://anynote.co/post/140813_balance-transfer-credit-cards-in-india-have-become-a-popular-choice-for-people-w.html Following are the top 5 balance transfer credit cards in the country. SBI Card Balance Transfer SBI lets you transfer the outstanding on your credit card to an SBI Card at low or no interest rates. You can convert the payment into easy monthly instalments. SBI Card Balance Transfer Interest Rate: Avail 0% interest rate for a 6-month repayment tenure, and 1.7% p.m. interest rate for a repayment tenure of 180 days. SBI Card Balance Transfer Processing Fees: For the 6 months’ repayment tenure, no processing fees are charged. For the 180 days’ repayment tenure, 2% or ₹199, whichever is higher, shall be charged. Individuals who have a Visa credit card can transfer the outstanding in 3 days and other card members will get a cheque within 5 working days. You can apply for the balance transfer online at the official website of the bank, SMS option, mobile app or by calling up the customer care executive. You can book a balance transfer for as little as Rs. 5,000 and as much as 75% of your available credit limit. Your maximum BT booking limit will be given to you at the time of booking. HDFC Bank Balance Transfer on EMI The eligibility is determined based on the credit card usage of the cardholder. You can check your eligibility by calling up the customer care executive. The attractive features of HDFC Bank Balance Transfer are: · No documentation or paperwork required · You can choose between a tenure between 9 to 48 months. · Interest rate of 1.10% is charged per month on the transferred amount. · Quick disbursal · EMI as low as Rs. 27 to Rs. 10,000 can be opted.…

Credit card podcast by raman

1
How To Increase Credit Card Limit 2:17

2 years назад2:17

2:17

How To Increase Credit Card Limit Having a credit card is a great convenience today, and most of us have one that we use to shop and pay our bills. however, we are always restricted to the credit card limit, which prevents us from spending beyond a particular amount in a given month. certain eligibility factors determine increasing the credit card limit. learn how to increase the credit card limit on your card with these nifty tips. you may be successful by using only one tip, or you may have to use a combination of them: For more information click on this link: https://cardinsider.mystrikingly.com/blog/how-to-increase-credit-card-limit 1. apply for a new card the most straightforward approach is to apply for a new credit card that has a higher credit limit. by getting additional credit cards, your credit gets distributed over several cards, which helps you maintain a good credit score if you pay your bills in time. 2. request an increase on an existing card it’s convenient to have the limit increased on an existing card. your credit card issuer will check your credit history for your eligibility. while you do this, avoid applying for any other card or an increase on one, as it could affect your credit score. 3. back your request with valid reasons merely requesting an increase is not enough. put forth the reasons why you are eligible for the increase. for example, you pay your bills regularly, and in full every month, your income recently increased, your credit card utilization is low, and so on. 4. be polite whether you are on the phone or you send an email or letter to the issuer, use courteous language. the person you talk to is only doing their job, and you are more likely to get what you are asking for by being polite. 5. make your request reasonable ask for an increase that is a practical and realistic figure. asking for a huge increase, and that too without sufficiently valid reasons can lead to rejection. further, avoid asking the representative for advice because they are prohibited from doing that. 6. the balance transfer option offering a credit card balance transfer can work like magic. when you transfer your balance amount from one card to another, there is usually a 0% interest charged for at least a year, which means you end up saving quite a bit.…

Credit card podcast by raman

1
Buy now pay later vs credit cards! Which option is better 1:51

2 years назад1:51

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Buy now pay later vs credit cards! Which option is better Buy Now Pay Later (BNPL)is a payment option given by select online merchants and fintech companies to buyers for purchases they make. It is a short-term finance option that allows consumers to pay in installments or lump sum within a stipulated time period for any financial transaction. The BNPL formula has tasted success which led to further introduction of this mechanism in a newer format such as BNPL card. BNPL cards are prepaid instruments with a credit line attached and it expands the available credit line to consumers beyond online platforms to include offline, point-of-sale touchpoints also. For more information click on this link: https://cardinsider.imprint.to/post/tips-to-maximize-your-credit-card-rewards Currently, there are quite a few players in this BNPL space such as LazyPay, Slice and Uni amongst others. These BNPL platforms offer the card facility to ease payment complexities for their consumers. BNPL cards are emerging as a powerful instrument and an alternative to paying from savings, credit cards. Individuals having limited credit options are also adopting it, reflecting a growing payment trend as Indians, especially young consumers, are increasingly opting for the solution for its convenience, accessibility and affordability. How they differ in their interest-free credit period While credit cards typically come with an interest-free credit period of up to 45 days, under BNPL the interest-free credit period is for mostly up to 15 days. However, certain BNPL lenders now offer up to 45 days of interest-free period. In fact, some ever offer longer interest-free periods. For instance, Uni, a BNPL lender ,provides its consumers using its Pay later card an interest free credit period of 3 months.…

Credit card podcast by raman

1
HDFC Bank Regalia Credit card 2:20

2 years назад2:20

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The Regalia credit card from HDFC Bank comes with a host of lifestyle and travel rewards. With this credit card, make the most of its joining benefits, complimentary lounge access, and more across categories such as travel, dining, and shopping. Get full information on this link: https://soundcloud.com/atul-sharma-251364614/hdfc-bank-regalia-credit-card Key Highlights of HDFC Regalia Credit Card · Spend Rs.5 lakh or more in an anniversary year and earn 10,000 reward points. · You can avail of up to a 15% discount on the bill every time you dine out. · Earn rewards faster with your Regalia card. · Redeem your accrued points for attractive gifts and rewards available exclusively for Regalia cardholders. · Enjoy up to 50 days of the interest-free period. · Enjoy a low foreign currency markup fee of 2% when you use your card overseas. Benefits and Features of HDFC Bank Regalia Credit Card Travel Benefits · Complimentary airport lounge visits: With a complimentary Priority Pass membership, enjoy access to more than 1,000 airport lounges across the globe. The primary member along with the add-on credit cards will get 6 complimentary visits to lounges outside India in a calendar year. · Cardholders can also enjoy complimentary access to domestic airport lounges, through the Regalia Visa Credit Card Lounge program. The program provides 12 free visits to domestic airport lounges in a calendar year. · Travel concierge services: HDFC Bank provides travel concierge assistance service to all its Regalia Credit Card users helping them to customize their travel experience. · Comprehensive air travel cover: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalization cover of Rs.15 lakh, and credit liability cover worth Rs.9 lakh. · Airport privileges: Enjoy priority check-in and waitlist clearance, additional baggage allowance, and an option to earn 9 Club Vistara Points on every Rs.100 spent on the card.…

Credit card podcast by raman

1
7 Questions That You Should Ask Yourself Before Getting a Credit Card. 2:13

2 years назад2:13

2:13

A credit card is a bit like a sharp knife — it’s a very handy tool, but it’s capable of inflicting horrendous damage if used improperly. The same advice applies to both of them — choose the right tool for the job, and follow the safety rules. So when you choose to get a credit card, first ask yourself these seven questions: Get full information at this link: https://cardinsider.livejournal.com/2771.html 1. Why Are You Considering Getting a Credit Card? Are you considering getting a credit card to build credit? If this is the case, you need to make sure that you act responsibly with your card. You should pay off the balance in full each month, and not use your credit card for things you otherwise can't afford. Another reason why you would be considering a credit card is to borrow money for your big purchases instantly, without withdrawing the amount from your savings account or investments. You can purchase goods, pay for food, take care of your medical expenses, pay for your travel and other lifestyle products and services using your credit card and let the money in your savings account earn interest till your next billing cycle. Credit cards also eliminate the need for carrying cash around for shopping, especially when you are traveling. You can swipe it at a point of sale machine or use online or mobile banking to make payments. The most important thing you need to keep in mind if you are considering getting a credit card is that you need to continue to stick to your budget. Remember, it may be easy to put that new pair of shoes on your shiny new credit card, but you will eventually have to pay that money back. Tips: • Limit the number of credit cards that you have. • If you are getting a new card because another one is maxed out, you should not get the new credit card. Instead set up a budget and work on paying it off. 2. What is the Interest Rate? Many cards will lure you with an introductory interest rate, or APR (Annual Percentage Rate), of 0%. While this may seem like a great deal at the time, be sure that you can pay off your balance during the promotional period. If not, you'll be forced to pay on your card with the new interest rate, which will probably be higher. It may even jump to 15-20% or higher.…

Credit card podcast by raman

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Axis Bank Magnus Credit Card 1:57

2 years назад1:57