If you are a compulsive credit card user and are at a loss about how to regulate your credit card spend, here is help at hand!
There are many advantages if you have a good credit score. You can get loans at lower rates of interest particularly for unsecured loans like personal loans.
Harshala Chandorkar, chief operating officer, CIBIL, explains your rights and duties as a responsible consumer
If allowed to go unchecked, this addiction can wreck you financially as well as emotionally.
In an online chat with readers on October 14, Anil Rego answered their credit card queries.
Before opting for a joint loan with your parents or spouse (after all, anybody who you love is your Valentine) you must first understand the implications of this loan.
Before opting for a joint home loan with your parents or spouse you must first understand the implications of this loan.
The more you know about using a new credit card, the more you reap!
Credit cards, if used properly, can be a great way to build one's CIBIL score.
Just avoid these credit card mistakes and live your second innings in style, says Rajiv Raj
Do you save to spend or spend to save? If you belong to the second category, reward points can only harm your financial health.
If you are the owner of multiple credit cards, here are some dos and don'ts you need to know about credit card management.
Let the festivities and celebrations begin; get yourself a credit card this Onam. Shop with it, earn reward points, make your family happy but remember to never go overboard or miss your payments, says Rajiv Raj
A dream home can be closer to reality if you live a financially disciplined life. All that it takes is to make smart moves at the right time in your life and career.
Most companies inform the employees upfront about the background checks that would be carried out. And a clause is included in the appointment letter of the employees that the final decision will be subject to the results of background verifications.
Harshala Chandorkar, senior vice president, CIBIL, answered readers' queries on the risks related to guaranteeing a loan in an online chat with readers, January 27
If banks won't lend, seek a loan from fintech lenders or P2P platforms to help you get out of a debt trap.
Follow these 6 Cs of building good credit and your lender will never disappoint you!
In the June quarter of FY24, 51 per cent of consumers who took small-ticket personal loans already had more than four credit products at the time of accessing yet another new loan, compared with just 17 per cent in the June quarter of FY20, points out Tamal Bandyopadhyay.
Fintech companies believe that the impact of Reserve Bank of India's order last week on unsecured loans will be visible in six to 12 months and prompt them to diversify and strengthen their secured portfolio. Fintechs which source funds through banks or non-banking finance companies (NBFCs) are looking at quickly building their secured portfolio options to at least 40 per cent of their total portfolio. "Over the medium to long term, as part of our product strategy, we are evaluating secured products which can be enabled over a digital platform" said Yogi Sadana, the founder of Zype, a lending-focussed fintech.
Understand the finer points before signing on the dotted line as a guarantor
'The last year's growth is a foretaste of things to come in the retail credit market.'
There is no overnight solution and it requires plenty of patience and discipline to set it right
Credit card loans and personal loans are two prime examples of unsecured loans that must always be avoided.
For the time being, digital lending remains a grey area, notes Tamal Bandyopadhyay.
While there is easy access to money, the flip side is the high interest rate and processing fees, points out Sarbajeet K Sen.
It is important to understand how your salary influences your loan amount and implementing these valuable strategies can significantly impact your eligibility for the personal loan you desire, says Kamaljeet Rastogi.
Let not the smartness be confined only to your phone... Transfer it to borrowing too! Here's how
Read on fore the most common problems people faced while pulling out their credit report and how to solve them!
Credit cards are no angel or devil. Spending habits and personal finance management make it what it appears to be. Let there be no illusion, think real, be wise.
You can gift your sister a Women Special Credit Card, which is not only loaded with exciting rewards for women, but they are also your sister's first step towards a better credit management.
Here are some very important credit gyaan you wish you had got from your parents
Gifts for loved ones, spending on yourself on impulse buying on EMIs and credit cards can leave your financial health completely stressed by the end of the year, says Harshala Chandorkar, Senior Vice President -- Consumer Relations, CIBIL
Wedding.con is a watchable show, if only to caution people about the latest scams, notes Deepa Gahlot.
Avoid getting into a debt trap by using your credit judiciously. Anil Rego explains how
A critical factor that can ensure easier and hassle-free access to home loans is keeping a watchful eye on your Credit Information Bureau India Ltd (CIBIL) Report and CIBIL TransUnion Score.
There is no such thing as 'free' credit cards. Most of the charges associated with your card are not even told upfront to you. Knowing about these various fees and charges will put you in good stead and help you use your card prudently.
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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