20 Types of Credit Card Charges you should be aware of

20 Types of Credit Card Charges you should be aware of

How many types of credit card charges are applicable to your credit card? Is it possible to minimize your credit card charges? Well before answering these question let me ask you one simple question. What to do in case a credit card company is offering you free credit card?  Obviously, you will accept the offer without asking any question. Free word attracts us a lot. We end up accepting a free offer without doing due diligence and suffer badly at […]


What is Virtual Credit Card and How does it work?

What is Virtual Credit Card and How does it work?

What is Virtual Credit Card (VCC)? How virtual credit card help cashless transaction? With demonetization of Rs 500 and Rs 1000 notes, we are moving towards a cashless economy. It is claimed that cashless transactions are increasing in India. An increase in cashless transactions means an increase in the cybercrime and hacking attempt. A virtual Credit card is a secure cashless option that can protect you largely against hacking attempts or frauds. So, what is Virtual Credit Card? What are […]


Easy Finance, EMI Card or EMI on Credit Card

Easy Finance, EMI Card or EMI on Credit Card

From furniture to groceries, denim to durables everything is available on EMI today. Easy EMI, EMI card, and EMI on credit card are used by more and more people nowadays. Do you think you should use an EMI facility given by merchants? Well before getting an answer of this question let’s first understand what is the difference between Easy Finance, EMI card or EMI on Credit Card. What is Easy Finance Option? Easy Finance is an option offered by a […]


Free credit information report every year – RBI

Free credit information report every year – RBI

Good News! Now you can get Credit Information Report every year absolutely free. Reserve Bank of India (RBI) has instructed all credit information companies to provide a full credit report to individual free of cost. Currently, you need to pay around Rs.500 in order to get your CIBIL score and report. From 1st January 2017, you can get this information free. CIBIL score and credit report plays an important role while getting loan or credit card from the bank. What […]


Credit card against fixed deposit – Good option?

Credit card against fixed deposit – Good option?

Credit card against fixed deposit is an option for the people with a low-income group and bad credit history.  One of my relatives has recently got a job as GET in one company. He was looking for a credit card, but as his yearly income was low credit card company rejected his application. Incidentally, he came across an offer of Credit Card against fixed deposit and decided to avail the same. He used a credit card for two months. As […]


Credit Cards for Students Travelling Abroad

Credit Cards for Students Travelling Abroad

Credit Cards offer a world of convenience whether you are a student or a professional and whether one is India or is travelling abroad. However, for someone travelling abroad, the requirements may be different then what would generally be required when staying within the country. Also, each card has different features so all cards might not be suitable for using abroad. So if one is a student going abroad then how do you choose the right card for yourself? How […]