Credit cards are the best financial cards for shopping or bill payments. Govt banks and non-govt banks offer credit card for few requirement basis of the customer. Also they mention their terms and conditions while issuing a new credit card.
People gets credit card in terms of joining fees. Also few banks offer credit card for free without taking the joining fees. A people who don’t have an account in a particular bank, he also can get that bank’s credit card.
In simple words, if anyone looks for HDFC bank credit card but don’t have an account in HDFC, he also can get the credit word. For that he needs to go with all the proper documents and the bank official will verify him.
In case of current account holder, he can get credit card easily from his bank. But it is quite difficult to get credit card having a saving account or loan account. Yeah, it can be done if the Civil score is good. Now, people may think how to check Civil score?
Just visit Paisabazar and check your own Civil score from there. Also you can apply for new credit card from there. Banks are ready to issue the credit card who belongs a good civil score.
A point needs to remember that each bank’s have different terms and conditions. Hence always looks for your needs and go ahead with the suitable one.
How to apply for credit card?
If you are in search of credit card of any particular bank, just visit the bank’s website. Then register on the website and apply for new credit card step by step. Also you can apply for Credit card through Paisabazar.com.
Here people need to fill few details such as name, pan number, mobile number or etc. After that an option will be appear to show your Civil score. Check your Civil score from there.
How to Credit Card from a particular bank?
Getting credit card from any bank is now quite difficult having a low civil score. First of all visit the bank’s website. Register on the website if you are new. Then go ahead step by step. But always remember to read all the terms and conditions for any particular credit card. A bank offers different kinds of credit card.
Different credit cards have different terms and conditions. Sometimes the time limitation is higher or amount limitation is higher or lower. Time limitation is the time of paying the money what you drawn using credit card. Amount limitation is the total amount you can drawn using Credit card within a time interval.
Conclusion: Credit card can be your best friend. Also credit card can ruin your money and your happy lifestyle. Hence you need to know how to properly utilize the credit card. So that you can take maximum advantages from the card.
Tips to remember for Credit card in India
Tips 1: Never expense much money using credit card because you need to pay it also. Sometimes people takes much money at a time and fails to pay it within the time limit.
Tips 2: Always pay total amount what you drawn using credit card. It will save your money from the huge calculation of interest of credit card. So never pay the minimum credit card amount.
Tips 3: Never drawn money from ATM using credit card. Because this type of mistake takes interest from that day. More clearly, bank starts to count the interest from that day.
Therefore this was everything about getting credit card to handling it well without paying an extra charges.