Articles for Your Credit Card

Personal Loan: How does credit utilisation ratio influence loan eligibility?
1 week, 3 days ago

Personal Loan: How does credit utilisation ratio influence loan eligibility?

Live Mint  

A personal loan comes in handy when you need urgent funds as it does not require any collateral and can be utilised for multiple purposes. One such factor that has an indirect impact on your personal loan eligibility is the credit utilisation ratio. A credit utilisation ratio reflects the portion of credit you utilise from the available credit limit. Hence, …

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Why do we spend more with credit cards? The hidden psychology behind it
1 week, 4 days ago

Why do we spend more with credit cards? The hidden psychology behind it

Live Mint  

Credit cards offer you great rewards and cashbacks through which you can maximise your savings and spend smartly. Credit cards make the payments on your behalf while you do not have to worry to spend cash until the due date of the billing cycle of the credit card. Rewards programs: Credit cards provide you with reward programs which include cashbacks, …

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Credit card rent payments: Is it a smart financial move or a risky choice?
1 week, 4 days ago

Credit card rent payments: Is it a smart financial move or a risky choice?

Live Mint  

While credit cards have made rent payments unattractive by levying charges on such expenses, there are several third-party apps that still offer the service by offering bonus points, cashbacks and gift vouchers. Rent payments to landlords through digital modes such as third-party apps, mobile wallets and credit cards surged during the Covid pandemic. Also, third-party apps do not require users …

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Is your credit card data safe online? Here are 5 ways to protect it
2 weeks ago

Is your credit card data safe online? Here are 5 ways to protect it

Live Mint  

Since the rise of digital payments, protecting credit card information in transactions is much more important than before. Let us learn more about how you can protect your credit card details during online transactions Use secure websites While making any transaction online, always check whether the website is secured or not. Enable two-factor authentication Two factor authenticationenhances your credit card …

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Credit Cards: What is the minimum due amount, and how can you manage it effectively?
2 weeks, 3 days ago

Credit Cards: What is the minimum due amount, and how can you manage it effectively?

Live Mint  

It is sometimes overwhelming to read credit card statements especially when it relates to the minimum balance you owe. What is the credit card minimum amount due? The minimum amount due refers to the least payment that a credit card holder has to make by the due date to keep the account in good standing. Calculating the minimum amount due …

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Ready for your first credit card? Here’s what you need to know
2 weeks, 4 days ago

Ready for your first credit card? Here’s what you need to know

Live Mint  

If you have started a new job or are considering expanding your credit, choosing a credit card might be a good option. Identity proof Address proof Income proof Passport size photographs Some points to keep in mind while getting your first credit card Fees: Credit cards have various fees such as annual fees, joining fees etc. When you get your …

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Save ₹50k annually with the right credit card
2 weeks, 6 days ago

Save ₹50k annually with the right credit card

Live Mint  

India contributes to over 46% of the world's digital transactions. For example, the Amazon Pay ICICI Bank Credit Card offers: > 5% cashback on Amazon purchases for Prime members. For instance, the Air India SBI Signature Credit Card offers reward points worth ₹ 20K in air miles on joining. Step 2: Identify Which Type of Card You Need Credit cards …

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Co-branded credit cards: All you need to know about benefits, drawbacks, and more
2 weeks, 6 days ago

Co-branded credit cards: All you need to know about benefits, drawbacks, and more

Live Mint  

Credit cards are a great way to earn rewards, exclusive deals and offers on your favorite brands as well as on every transaction you make through the card. Credit cards are offered to you by banks and NBFCs which also offer co-branded credit cards in many categories which are designed specifically to cater to your lifestyle. Pros and cons of …

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Credit card expiration: Check how to pay your pending dues
3 weeks ago

Credit card expiration: Check how to pay your pending dues

Live Mint  

Credit cards often serve as a quick and convenient mode of payment for several financial transactions. It is important to keep track of your credit card payment deadlines and expiry dates. Most banks automatically issue a new credit card ahead of the current credit card's expiry date. How to pay dues on the new credit card Customers can make credit …

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Credit Card Statement: What your statement date, minimum payment really mean
3 weeks, 3 days ago

Credit Card Statement: What your statement date, minimum payment really mean

Live Mint  

Credit cards have become quite popular amongst people and have turned from a luxury to more of a necessity in today’s time. A credit card statement is a statement that is provided to you every month showing a detailed account of all the payment, purchase, credit and debit made in the billing cycle period. Key elements of a credit card …

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Credit Card Statement: What your statement date, minimum payment really mean
3 weeks, 3 days ago

Credit Card Statement: What your statement date, minimum payment really mean

Live Mint  

Credit cards have become quite popular amongst people and have turned from a luxury to more of a necessity in today’s time. A credit card statement is a statement that is provided to you every month showing a detailed account of all the payment, purchase, credit and debit made in the billing cycle period. Key elements of a credit card …

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Personal loan: 10 key questions to ask yourself before opting for it
3 weeks, 3 days ago

Personal loan: 10 key questions to ask yourself before opting for it

Live Mint  

If you are suddenly short of funds and do not wish to borrow from friends then one of the options that you can avail is to raise a personal loan. However, before raising a personal loan, make sure that the interest rate is not exorbitant, time duration is optimum, and the lender is reliable, so on and so forth. Let …

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What amounts to the activation of credit card? An explainer
3 weeks, 3 days ago

What amounts to the activation of credit card? An explainer

Live Mint  

Using a credit card, as we know, offers a range of benefits and rewards such as access to lounges, discounts on shopping and travel and dining. Select your credit card and enable transaction rights Activate credit card through customer support 1. The RBI directions dated March 7, 2024 on the issuance of credit cards highlight that a card should not …

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Safeguarding credit cards: How to disable payment modes and set transaction limits?
3 weeks, 6 days ago

Safeguarding credit cards: How to disable payment modes and set transaction limits?

Live Mint  

You must have read media reports about how credit card customers received email/SMS messages about fraudulent transactions done on their credit cards from foreign locations. For example, the screenshot above shows how you can enable or disable international transactions on your HDFC Bank credit card. Unless needed for some specific transaction or when you are travelling abroad, it is advised …

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Understanding credit card fees and hidden charges: Everything you should know to avoid financial traps
4 weeks ago

Understanding credit card fees and hidden charges: Everything you should know to avoid financial traps

Live Mint  

Credit cards are part of present-day life because they provide convenience and flexibility to manage funds. Types of credit card charges Credit card fees are different for each type of issuer and also depends on features offered. Membership and annual maintenance fees: Many credit cards require a sign-up fee after an application gets approved. Cash advance fees: Many credit cards …

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Hunger for rewards? How credit cards can redefine your dining experience
4 weeks ago

Hunger for rewards? How credit cards can redefine your dining experience

Live Mint  

Imagine enjoying a nice meal from your favourite restaurant at your home or dining out and paying a small sum as the bill. A dining credit card will help you get an additional discount on your food bill many times. Complimentary gifts : Apart from monetary benefits, a dining credit card offers complimentary items on your food order such starters, …

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What is a credit card? A comprehensive guide for beginners
4 weeks ago

What is a credit card? A comprehensive guide for beginners

Live Mint  

In today's hectic world, credit cards are vital tools for managing finances and making purchases. This article attempts to take you through the basics of credit cards, including benefits and usage, so you can make informed financial decisions. Credit cards are widely accepted online and offline and often come with rewards to keep them attractive for usage--mostly reward points, cashback, …

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Does your credit card include luggage insurance? Find out here
4 weeks ago

Does your credit card include luggage insurance? Find out here

Live Mint  

Travel credit cards come in handy if you are a frequent traveller, as they are specifically designed to provide additional rewards and insurance while travelling. Different types of luggage insurance on credit cards Trip cancellation or interruption: If your credit card includes trip cancellation or interruption insurance, you might get coverage on lost or delayed luggage as a part of …

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Credit card: Three ways in which you must not use it
1 month ago

Credit card: Three ways in which you must not use it

Live Mint  

Credit cards are a simple way to buy something today on a loan, plus it takes just one swipe. Your bank will set a limit on your credit card, hence, it’s not an unlimited loan and neither is it effortless because applications can get rejected. Spend but don’t overspend Every credit card comes with an overall credit limit for your …

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Does your credit card offer trip cancellation insurance? Find out now
1 month, 1 week ago

Does your credit card offer trip cancellation insurance? Find out now

Live Mint  

Imagine that you have planned a trip to Switzerland months ago, keeping in mind your finances, the weather of the destination, your work schedule, etc. Trip cancellation coverage Trip cancellation and trip interruption are a travel insurance policy that reimburses pre-paid, non-refundable travel expenses if your trip gets cancelled. Your credit card will specify the kind of expenses it will …

Travel Insurance Credit Coverage Card Trip Cancellation
Credit Cards: How can I create a budget for my spending via card?
1 month, 1 week ago

Credit Cards: How can I create a budget for my spending via card?

Live Mint  

If you have started using credit card, you need to create a budget for your spending. Set a limit of spending for each category: It is vital to review your spending habits and set reasonable limits for categories where you tend to use your credit card. Monthly credit card goals: Set a target for total monthly credit card spending based …

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How to maximise rewards from travel credit cards? Here are 5 ways
1 month, 2 weeks ago

How to maximise rewards from travel credit cards? Here are 5 ways

Live Mint  

Are you a frequent traveller and want to save on budget? Travel credit cards provide you with special discounts and reward programs to choose from so that you can make the most of your travel without compromising on luxury. Ways to maximise your rewards from travel credit cards In order to maximise your rewards from your travel credit card, you …

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Your Credit Card Might Be Hiding Some Serious Perks. Here's How To Find Them.
2 months ago

Your Credit Card Might Be Hiding Some Serious Perks. Here's How To Find Them.

Huff Post  

ArtMarie via Getty Images Choosing a new credit card can be incredibly intimidating — especially if there’s a large annual fee involved — but, for many people, it can be well worth it. “ credit cards have what’s called ‘flight cancellation and delay coverage.’ So if you put your flight charge on a Chase Sapphire Reserve and if your flight’s …

Protection Credit Credit Cards Fee Cards Kelly Your Credit Card
Your Credit Card Might Be Hiding Some Serious Perks. Here's How To Find Them.
2 months ago

Your Credit Card Might Be Hiding Some Serious Perks. Here's How To Find Them.

Huff Post  

ArtMarie via Getty Images Choosing a new credit card can be incredibly intimidating — especially if there’s a large annual fee involved — but, for many people, it can be well worth it. “ credit cards have what’s called ‘flight cancellation and delay coverage.’ So if you put your flight charge on a Chase Sapphire Reserve and if your flight’s …

Protection Credit Credit Cards Fee Cards Kelly Your Credit Card