It's unfair, isn't it? That good borrowers are not rewarded for their discipline and are forced to subsidise indisciplined borrowers who may pose higher credit risk...
There may be huge discounts and easy EMI options on your favourite expensive smartphone, but do not swipe your credit card left, right and centre, warns Rajiv Raj
Credit cards are not inherently bad. If used responsibly, they can be a saviour in times of need.
Banks create a credit profile of every person who approaches them for a loan. This is a very vital part of any loan application process and banks do consider it very seriously before sanctioning any kind of loan.
If borrowers don't have access to a bank's credit facility, it could make sense to use peer-to-peer systems.
If used without much care credit cards can become debt traps. But there are ways to use them to your advantage, says Rajiv Raj
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If you ever face a situation where your card transaction is declined, it is advisable to call your bank and check with them for the cause. In most cases, unless it's a fraudulent issue, the problems will be resolved on the phone.
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So how does one protect themselves from misuse of their credit cards? Here are a few helpful suggestions.
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