credit cards

Five tips on CIBIL score for every job newbie

Have you just joined a job and are thrilled about the fact that you are finally drawing a full salary? As empowering as it may seem to have your own money, this is the time to reign in your impulses. Inculcate good financial habits that lead to a good CIBIL score right from the start. Here‘s how to go about with it.

How important are credit card reward points?

Credit card companies encourage spending by offering reward points. However, that should not be the only criterion to choose a credit card.

How to close a credit card

Closing a credit card is as important an event as opting for one. You have to follow the due process, to ensure that you do not suffer in future.

Be discrete with your Diwali shopping, avoid debt traps

Indulging in Diwali shopping can be harmful to your financial wealth. This can result in a debt trap and can impair your chances of getting loans in future.

How to‘s to making big ticket purchases this Diwali!

Better to do some research before shopping. There is no point jumping the gun, just because there is an offer. If you cannot pay off your credit card bills, it can impact your CIBIL score.

5 benefits of increasing credit limit on your credit card

Higher credit limit implies more access to credit. It also helps to improve your credit score.

Diwali: Diyas, Dhanteras and Deals

Here are eight tips that make your Diwali happier and wealthier.

Entrepreneur? Develop healthy credit report to access loans

If you are a businessman, there is a high possibility that your will require funding to grow your business. Develop good credit repayment history to ensure that your access to loans remain unhindered.

How to reduce your personal finance costs?

Each transaction comes with some cost or the other. However, if you are willing to take some efforts you can reduce these costs

What really determines your credit score?

There is confusion about what really impacts one‘s credit score. Here the author enlists all the parameters and explains how they impact credit score.

In a debt trap? Tips on how you can get out of it

Loans are not uncommon. However, borrowing too much can be hazardous to wealth. With rising trend of individuals getting into debt trap, it is important to know how to overcome debt.

Five questions to test how money smart you are

Taking the right decisions can tilt the outcome in your favour. However, to take the right decision you have to educate yourself.

How much does credit repair cost?

If your credit score is low, you tend to find problem accessing credit. Only way out is to improve your credit score. Here are some tips that can help.

Low credit score? Use asset-backed (secured) credit cards

Asset backed credit score can help you to build your credit repayment history, which in turn helps you to improve your credit score over a medium term.

Six simple steps to get your money matters on track

Here is a six steps guide to get your financial plan on track to achieve your financial goals.

How to choose the right credit card for your spends

It makes a lot of sense to look at your spending patterns and then pick the credit card. This ensures that you optimize reward points on credit cards.

Credit score can affect your loan eligibility

Credit score of an individual defines his willingness to repay. Low credit score means the banks may not be keen to lend to such a person.

Should you go for a balance transfer of your home loan

Balance transfer can help you save money if you do your calculations right.

Build high credit score to avail loans at low interest rate

Banks offer high weight to the credit score of loan applicant while taking lending decisions.

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Which credit card you should use: MasterCard or Visa?

Mastercard and Visa are electronic payment companies and they offer various benefits to the banks which are passed on to the end customers – the credit cardholders.

CVV and OTP: Important means to safe use of credit cards

CVV is mentioned on the credit card, OTP is sent to the registered mobile number of credit card holder.

Managing loan repayments during bereavement or illness

Here are some tips to handle loan repayments of your loved ones in the unfortunate event of their death or illness.

Judicious use of credit card ensures financial freedom

Never ever delay payment of your credit card bill, always pay your credit card bill in full before the due date