Information regarding credit cards

Tips For Paying Off Credit Card Debt

Credit cards serve as a solution to most of your purchases and problems. With the advent of a wide range of cards offered by major banks, you can pay for anything and everything with your credit card, even groceries.
These cards are a solution, yes, but only when used smartly. If you get your hands on a credit card and you go for a shopping spree, that’s not spending wisely. Your card just becomes a liability at the end of the month with a huge bill to pay off.
Click on this link to know more:- https://cardinsider.blogspot.com/2021/12/is-paying-with-credit-card-safe.html
Credit card bills adding up on a monthly basis and not being able to pay in full has become a common occurrence for most people nowadays. Due to this, every month, your bill adds up to the previous months resulting in a large debt that needs to be paid.
This is if you have one credit card. If you hold more than one, if you do not spend wisely, you have multiple debts which hit your monthly budget as well as your credit report.
Click here on this link to know more.
The credit card debt cycle is an actual term given to this where you might end up spending more with a credit card in hand. This leads to a huge credit card bill, probably more than what your budget is. This, in turn, results in borrowing money in the form of a loan to pay off these debts. Hence, a cycle.

lifetime Free Credit Card

lifetime free credit card is a card that does not charge the usual annual fee ever. They may charge some money for extra services like a hard copy of the itemized bill or may have some conditions as well for getting the card but technically no annual or joining fee.
Here we have analyzed some of the important lifetime free credit cards offered by various companies in India for you to choose from.
Click here on this link to know more:-https://www.atoallinks.com/2021/lifetime-free-credit-card-everything-you-should-know-about/
Best Lifetime Free Credit Cards
1. Bank of Baroda Prime Credit Card
Bank of Baroda Prime credit card is best suited for people who are looking to avail of the cashback. With zero annual and joining fees, this card is best when it comes to basic day-to-day use.
2. RBL Insignia Preferred Banking World Credit Card
The RBL Insignia Preferred Banking World card is designed for high-net-worth individuals who want to live a life of luxury. It is one of the best life free credit cards offered by RBL bank. Best suited for premium travel.
3. HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card is one of the best cashback and rewards credit cards with zero joining and annual fees. The HSBC Credit card offers cashback, rewards, and discounts on flights, dining, hotels, telecom, and BOGO offer on BookMyShow, and this VISA card is accepted in more than 200 countries. Best card for entry-level.
Best suited to meet the lifestyle requirements.
4. HDFC Corporate Platinum Credit Card
It is one of the best credit cards for all those who are looking for comprehensive business solutions like Management Information Systems(MIS). This system is really valuable for the smooth running of the business. Apart from offering MIS, this card is also providing luxury and ease of mind at the time of making business travels.
Best suited- For Corporates to meet their business expenses
Annual fee/ Joining fee- NIL( Lifetime free Credit Card)
5. SBI Unnati Credit Card
The SBI Unnati Credit Card falls in the category of both a secured credit card and a lifetime free credit card. It is best suited for shopaholics. To get a card, one has to give a minimum fixed deposit of Rs 25000 as collateral. There is no annual fee on this card for the first four years. From the 5th year, SBI is charging a minimal fee i.e., Rs 499 annually.
Click on this link to know more about Lifetime Free Credit cards.

5 Good Credit Card Habits That Every User Should Adopt

Credit cards are wonderful financial instruments that are very helpful not only while making transactions for payments but also come across as effective tools for short-term credit. However, if not used properly, credit cards turn into the most expensive financial tool to possess.
We wish that you make the best use of your credit card. Hence we bring to you 5 habits that highly effective credit card users have in common. By adopting these habits, you too could make the best possible use of your credit card.
Click on this link for more information:- http://www.apsense.com/article/5-good-credit-card-hcreabits-that-every-user-should-adopt.html
1. Have A Budget: Credit cards, monthly finances, or a country, a budget is necessary everywhere. Take a look at your monthly expenses and make an account of which of these expenses could be footed through your credit card.
2. Pay in Full Every Time: Credit card issuing companies make money in the form of interest and other charges when you do not pay your dues on time.
3. Never Use Cards for Cash Advances: Credit cards could also be used for withdrawing cash from any ATMs just like your debit cards. But withdrawing from credit cards would never be the same as from your credit cards.
4. Use rewards/offers to best advantage: Most credit cards come with some offers and rewards for usage at certain merchant establishments. It is good to know about these offers and make the best use of them. Accordingly choose cards that cater to your usage like co-branded cards for travel, fuel, or movie tickets and shopping.
5. Make clever use of repayment dates: Highly effective card users use up to 2 cards with varying due dates (One at the start of the month and the other sometime later). They effectively time their purchases on both cards in a way that they get maximum grace time.

Should You Charge Medical Expenses to a Credit Card?

Generally speaking, charging medical expenses to a credit card is a poor financial choice. Is there any circumstance in which it makes sense to pay medical expenses with your credit card? Here’s what you should know before you do.
Click on this link to know more about credit cards:- https://wizarticle.com/how-to-use-credit-cards-to-get-maximum-benefits/
Key Points:
It seldom makes sense to turn medical debt into credit card debt.
Only pay for your medical bills with a credit card if you can pay off your credit card bill in full or take advantage of 0% APR periods and credit card rewards.
Seek credit card relief if you’ve already accrued heavy credit card debt for medical expenses.
Using Your Credit Card for Medical Bills
Before you think about whipping out a credit card to pay for your medical bills, you have to be aware of the following.
Using a credit card for medical bills is financially feasible if you will be able to pay off the resulting balance in full on your next credit card bill.
Medical debt is different from consumer debt, in the sense that it does not show up on your credit report right away. According to Experian, even if your medical bill gets turned over to a collections agency, the three main credit bureaus will give you a 180-day waiting period to resolve any medical debt before the collection account shows up on your credit history. By contrast, credit card debt shows up on your credit report in as little as one month.
Medical credit cards may offer generous 0% APR periods lasting 12 to 24 months. Such cards carry deferred interest, however. If you have a balance on such an account when the 0% APR period expires, the deferred interest piles on top of your balance, defeating all the value you thought you had secured.

Credit Cards 101

There are many reasons to have a credit card, but the main benefits include convenience, protection, and the ability to build credit. Having an understanding of how credit cards work will help you choose the right cards and manage them well. Read on to learn about what credit cards are, and how they can help you when used responsibly.
Click on this link to know more:- https://mynewsfit.com/7-reasons-why-you-should-opt-for-flipkart-axis-bank-credit-card/
What is a credit card?
A credit card allows you to access a line of credit provided by a card issuer. Every time you pay for something with a credit card, you’re borrowing money from the card issuer to cover the purchase. Then, you have to pay the money back either in full at the end of your billing cycle or over time with interest included.
How do credit cards work?
Once you are approved for a credit card, the issuer authorizes a credit limit — the maximum amount you can borrow — along with an interest rate — the amount a lender charges a cardholder on balances. This rate is calculated as a percentage of the amount borrowed. The credit limit and interest rate you receive depends on your income, other debts, credit score, and available credit you may have on other cards.
When your credit card bill arrives each month, you have three options: pay the whole balance in full, pay the minimum amount, or pay some amount in between. The most expensive option is paying only the minimum each month as it will cost you the most in interest. You will be charged interest on the remaining unpaid balance which will then be added to your next credit card bill. Paying off your balance in full is the best option because you will only pay for your purchases and avoid paying interest.

How Online Bill Paying Can Save You Money

Online bill paying allows you to view, schedule, and pay your bills right from your computer or phone. Learn more about what online bill pay is, how it works, and its pros and cons.
Click on this link to know more about Credit cards:- https://issuu.com/cardinsider
What is online bill pay?
Financial institutions and bill-pay services partner to offer this service to allow you to pay your bills without writing checks. Most online bill pay options are linked to a checking account and offer three payment types:
Immediate one-time payments
Future one-time payments
Recurring payments
Many financial institutions offer online bill pay as a part of their online services. However, some may charge an additional fee to use the service.
Click here to get more information.
Benefits
One advantage of online bill pay is that it automates your payments. Bills that are the same amount each month, like your mortgage, rent, or car payment, can be scheduled as a recurring payment.
Scheduling payments in advance can help you avoid late or missed payments, even for bill amounts that vary from month to month.
In addition, online bill pay can help you consolidate your payments into one place. You can log in to your online banking portal and pay all of your bills instead of having to visit separate websites for each of them.

Best instant approval credit cards in India

An individual cannot predict their emergency expenditure, no matter how hard they try. a sudden health crisis, the need for car repair, damaged electronic appliances - all these crises need an urgent financial arrangement.
for last-minute financial aid, consider getting a new credit card and tackle these unforeseen expenses. but while applying for a credit card is a piece of cake, it takes approximately ten business days after approval for the card to reach your doorstep.
Click on this link :- https://cardinsider.livejournal.com/1238.html
in the case of emergency expenses, it may not be feasible for you to wait that long to get the money. luckily, instant SBI credit cards come to your rescue.
these life-saving cards give you the card number instantly after the bank approves it. that way, you can use the card number to make your purchases even before you receive the physical copy of the card.
if you urgently need money or want to be prepared in such a dire situation, here is a list of the 6 best instant approval credit cards.
SimplySAVE SBI credit card
the State Bank of India has a transparent and simple process for applying for a credit card. here, you simply log in to the SBI card webpage and apply with your name, location, and contact details.
key benefits:
you get ₹100 cashback on making an ATM withdrawal within the first 30 days of card activation.
a unique feature of the SimplySAVE SBI credit card is that you can get a cheque or draft issued against your credit limit.
the bank also delivers the draft or cheque to you at your convenience.

Best SBI Credit Card

Today’s fast-moving world needs the fastest solutions. Credit cards are a boon to many, especially to salaried employees, as they can pay all their bills without waiting for the salary date. Among the many credit cards in the market, SBI credit cards are more popular.
Compared to other credit cards, they offer great discounts, credit card rewards points and benefits to their customers. SBI offers more than fifty credit cards. Of them, the best SBI credit card will be the one that caters to your needs. So, if you are going to opt for one of the best SBI cards, here is a guide that will help you choose the right one.
Click on this link to know more:- https://pin.it/1VXDVla
List of the best SBI credit cards
SBI SimplySAVE Credit Card
SBI SimplyCLICK Credit Card
Paytm First SBI Card Select
SBI Card PRIME
BPCL SBI Card Octane
Club Vistara SBI Card PRIME
SBI Card ELITE
Yatra SBI Credit Card
Air India Signature SBI Card

How to earn and redeem SBI credit card reward points

State Bank of India offers a variety of credit cards to cater to all requirements of the cardholder. SBI cards are categorized as premium, shopping and travel cards, classic and exclusive cards. all the cards offer unique reward points.
these reward points can be redeemed for cash back, gift vouchers, and purchasing products from the rewards catalog.
the reward points on SBI credit cards can be redeemed online as well as offline. through this article, let us take you through the process and frequently asked questions for all SBI credit cards.
Click on this link:- https://jabiru.net.au/service/technical-forum/profile/card-insider/
how to earn reward points on an SBI credit card?
you get rewarded for every rupee you spend using the SBI credit card. with some credit cards, you can get accelerated reward points for expenditure on movies, dining, and groceries. the reward points can be redeemed later for gift vouchers or buying products available in the rewards catalog. the table below describes the reward points earned on different credit cards.

7 Reasons Why You Should Get An HDFC Bank Credit Card

A Credit Card is one of the most convenient ways to pay. If you use it right, you can enjoy interest-free credit, many reward,s and freedom from cash. Our 7 tips will show you how to use your Credit Card for maximum benefit. Time your purchases Each Credit Card has its own billing cycle. Once you are aware of the bill generation date of your Credit Card,you cann maximize your interest-free period.
For instance, if you make a purchase just after your Credit Card bill is generated, you can enjoy up to 45 interest-free days, and sometimes more. Pay your bill before the due date When you use your Credit Card regularly and pay your bill on time, your credit profile with the bank improves. This can lead to a range of additional benefits, such as an increase in spending limit and great offers on Personal Loans and other financial products.
Click on this link to know :- http://www.apsense.com/article/7-reasons-why-you-should-get-an-hdfc-bank-credit-card.html
Moreover, such actions will improve your credit score, which is extremely beneficial if your score is low. Follow the rewards Read your Credit Card booklet carefully, especially details about the benefits it offers and the reward programe. Your Credit Card could open the door to a host of discounts on products and services besides privileges such as free lounge access and priority services at airports.
Click here to get to know about 7 way to use HDFC Credit cards.
Earning Reward Points on your Credit Card spending can accrue several benefits in the long run, from free flight tickets to movie vouchers to mega discounts on electronics. Be smart about repayment Your bank may offer you convenient ways to pay back your Credit Card bills – for example, EMIs. When you choose this option, you can pay for large purchases inmonthly installmentss, like a mini-loan. This will help ease your financial strain. You can also make your Credit Card payments through the Credit Card NetBanking. Use your card at trusted merchants Whether you are shopping online or at a local store, ensure that the merchant or retailer is an establishment you trust. This willminimizet risk of your card being misused. Be alert with your Credit Card usage Be prudent about Credit Card use. Avoid maxing out on your credit limit every month. Monitor your Credit Card transactions regularly to notice specific patterns in your spending. Keeping track of your spending s will also ensure that unexpected transactions come to your notice and you can point them out to your bank immediately. You can even set your limits onyour Credit Card in order to avoid anyoverspendingg.