It all begins with a little overspending on the credit card, and before you know it, you find yourself being sucked into a debt trap. You may think you have a debt pay off plan, but think again!
In FY24, loans given out by such firms had topped a whopping Rs 146,517 crore, up by 49 per cent year-on-year and spread over 10.19 million accounts (up 35 per cent).
It seems in the geopolitics of the 21st century, we can see the subcontinent acting as one geopolitical entity to secure its economic interests. Key to this transformation is a strong India that is pre-eminent but not dominant, notes Colonel Anil A Athale (retd).
Secured credit cards offer benefits similar to regular credit cards and hence an applicant should try and get a card with lower fees and more features, suggests Sarbajeet K Sen.
Five-time champions Mumbai Indians will look to continue their winning momentum when they face a resurgent Sunrisers Hyderabad.
If the credit card is not used judiciously, it can cause havoc with one's personal finances, warns Sarbajeet K Sen.
Do not panic if you have a poor credit score. Do not live with the fear of having an important loan rejectd by the lender because of a poor credit score. Here's the solution for your woes
Images from the T20 World Cup Super Eight Group 1 match between India and Australia, at Gros Islet, St Lucia, on Monday.
Did you know that credit cards can in fact help you to improve and build your credit score if used responsibly and wisely!
Asked about the areas of improvement, Fulton highlighted that his boys could have received lesser number of cards, besides being more tactically aware of the opposition.
Here are four ways to keep your credit score in the green
Middle class Indians have grown up with the belief that living on credit is essentially a bad thing. You are in trouble if you think the same, cautions Rajiv Raj
If you are the owner of multiple credit cards, here are some dos and don'ts you need to know about credit card management.
Want to spend more this festive season on your credit card? This is what it takes...
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Outright fear and lack of awareness can harm your CIBIL score
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It is absolutely difficult to retain a healthy credit report if you have a history that shows your inability to cover up debts and repay loans regularly.
"I never expected it. It was too good to be true," says the 20 year-old.
Often, individuals are offered credit cards with great schemes directly by the bank.
If banks won't lend, seek a loan from fintech lenders or P2P platforms to help you get out of a debt trap.
'If your loan application gets turned down by one bank, do not apply immediately to several others.' 'This makes you appear credit hungry and possibly in some form of financial distress.' 'Multiple enquiries affect your credit score adversely,' advises Mohan Jayaraman.
Credit cards, if used properly, can be a great way to build one's CIBIL score.
No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches
While there is easy access to money, the flip side is the high interest rate and processing fees, points out Sarbajeet K Sen.
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You require a credit score to get fresh debt and you must have existing debt to get a credit score... Confused? Well, here's how they are related.
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Some of the most common grounds on which card issuers reject credit card applications in India, along with tips on how to overcome these hurdles.
Here's how to get out of this situation without hurting your CIBIL score.
In an online chat with readers on October 14, Anil Rego answered their credit card queries.
'Look not just at the interest rate but also the processing fee.'
Swiping your credit card to take that dream vacation? Beware, says Harshala Chandorkar, Senior Vice President -- Consumer Services and Communications!
While it is a convenient mode of payment, it is not an efficient way of borrowing. Repay your dues fully every month if you decide to use it
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