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What Does Your Credit Card Spending Say About You?

Credit cards; these small plastic things in our wallets offer so much confidence and convenience too! Planning an impromptu outing with friends after work, don't worry you will not have to run to the ATM first. A great offer on a trendy bag, can't wait for the salary credit, the credit card is your savior. However this small wonderful thing has the potential of becoming a huge menace and can land you in trouble. What is more your credit card spending can offer some great insights into your behavior too; surprised just read on..Read More...

Posted On July 4, 2016 by Abhishek Agarwal in Credit Cards


Top four reasons to reject a store credit card offer

You have been told from your childhood that fire is a good servant but a bad master and that's why you have always handled fire with caution. The very same principal is applicable to credit cards. When used judiciously credit cards can help you build and improve your CIBIL score, but the moment you go reckless with them, you are inviting a potential debt trap. While you have the option of choosing from among a plethora of cards that can be used for various purposes, a store credit card is not a good idea, even though you are tempted with extra "savings" of 10% on your purchase or a 5% cash back or a "sign on bonus". Here are four reasons why you should say no to offers of credit cards from retail outfits. Read More...

Posted On June 30, 2016 by Rajiv Raj in Credit Cards


How to Save Money Using a Credit Card This Monsoon

As the first downpour of monsoon arrives, a general feeling of happiness spreads among the people. It is not only a relief from scorching heat, but also a time to rejoice. No wonder that so many companies come up with there 'monsoon bonanza' and 'monsoon sale' offers that encourage you to take out your credit card and swipe them everywhere to enjoy the monsoon season. Of course, we wouldn't want to mar your happy feeling by telling you that this may unnecessary swell your credit card debt. But the fact of the matter is that unplanned indulgence with your credit card can spoil your happiness at the end of its bill cycle. The good news is, with just a bit of care, you can actually save money using a credit card this monsoon.Read More...

Posted On June 24, 2016 by Rajiv Raj in Credit Cards


Thinking of redoing your home? How to make it possible!

There could be various reasons to take up a home renovation project. Remodelling your home can give your old home a fresh breath of air. It will also increase the resale value of your home if you ever plan to sell it in future. However, home remodelling project is a long term affair which requires you to put a lot of efforts and money to make it possible. Proper planning is an absolute essential when you are thinking of redoing your home. The remodelling project can be expensive and it is essential to find the most cost effective way to finance the project.Read More...

Posted On June 22, 2016 by Abhishek Agarwal in Home Loan


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Credit Tips

Make sure that all deals and offers agreed upon are supported by relevant papers. You should always ask for a letter in a banks letter-head mentioning the likes of, exact rate of interests, processing fees, pre-payment charges along with interest-schedule.

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Dr. K. S. Sobhana

Dr. Sobhana, a Senior Scientist with Central Marine Fisheries Research Institute, was having trouble with her auto loan because of her CIBIL report. She spoke to one of our Credit Experts and ...

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