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Credit Cards

Canceling Your Old Credit Card? How It Can Impact Your Credit Score

Canceling Your Old Credit Card? How It Can Impact Your Credit Score

Wed, Dec 18, 2024

Your credit utilisation ratio is the proportion of your total available credit that you're currently using, and it significantly impacts your credit score. To maintain a low ratio, avoid maxing out your credit cards and try to keep your usage below 30 per cent of your total credit limit.

What is a Credit Card Balance Transfer & How It Helps with Credit Card Debt

What is a Credit Card Balance Transfer & How It Helps with Credit Card Debt

Mon, Dec 16, 2024

Credit cards offer the freedom to spend even when funds are low, but this can lead to mounting debt. As balances grow, repaying them becomes difficult, often affecting your CIBIL score. One way to manage this debt is through a balance transfer, which can ease financial stress and improve money management. In this video, we’ll explore what a balance transfer is and how it helps reduce credit card debt.

Why you should not pay rent through your credit card?

Why you should not pay rent through your credit card?

Fri, Dec 13, 2024

Rent is often one of the largest monthly expenses in our budget, and paying it on time is crucial. While many people turn to credit cards as a convenient way to cover rent, it's important to understand that this might not always be the best option. Using a credit card for rent payments can come with several drawbacks, and over time, it could negatively affect your financial health. In this video, we'll explore the key things you need to know before deciding to use your credit card for rent payments.

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5 Tips to Handle & Store Credit Card Information Securely

5 Tips to Handle & Store Credit Card Information Securely

Tue, Dec 10, 2024

Dreaming of the perfect family vacation but concerned about finances? Don't worry! With a travel loan, you can finally take that long-awaited trip with family, friends, or loved ones without stressing about the cost. Once you have an estimate of your trip budget, choosing a holiday loan that fits your needs is easy.

Fuel Credit Cards: Are They Worth It? How to Choose the Best One

Fuel Credit Cards: Are They Worth It? How to Choose the Best One

Fri, Nov 22, 2024

A fuel credit card is one of the several types of credit cards that offer rewards and savings to customers. In India, fuel credit cards are offered by banks that partner with oil marketing companies.

New Income Tax and Savings Rules

New Income Tax and Savings Rules

Wed, Oct 02, 2024

From October 1, several key changes in income tax regulations and small savings schemes take effect, impacting debit and credit card usage. Stay informed about the latest updates.

UPI transaction volume expected to rise to 439 billion by FY29: PwC India report

UPI transaction volume expected to rise to 439 billion by FY29: PwC India report

Wed, Aug 28, 2024

Credit cards are expected to reach 200 million by 2028-29, the PwC India report said, adding that newer feature innovations, product propositions and customer segments are expected to contribute towards this growth.

Credit Card Spending Trends in May, SBI Card Growth Analysis Watch This Video

Credit Card Spending Trends in May, SBI Card Growth Analysis Watch This Video

Wed, Jun 26, 2024

Trend of credit card spending in May. Credit card expenses increased in May. How was the growth of SBI Card? Which bank's performance was strong? Know complete details from Varun Dubey

Will I be denied loan because of poor Cibil score? Is having no Cibil score good for my financial health? Clear your doubts here about your credit score

Will I be denied loan because of poor Cibil score? Is having no Cibil score good for my financial health? Clear your doubts here about your credit score

Fri, May 17, 2024

A Cibil score of an individual tells about his past credit behaviour. It reveals whether they have been regular in their repayments or if they have been serial offenders. Based on the Cibil score, the lender decides the terms and conditions of the credit facility.

HDFC Bank's new credit card offers customers to decide their billing cycle, reward points and cashback; know more about it

HDFC Bank's new credit card offers customers to decide their billing cycle, reward points and cashback; know more about it

Tue, May 14, 2024

Parag Rao, Country Head, Payments, Consumer Finance, Digital Banking, and Technology, HDFC Bank Limited, told Zee Business that the digital credit card, known as Pixel credit card, will be operated through the app and it has been launched to attract youth.

Credit Card: What is cash advance, how does it affect your credit score?

Credit Card: What is cash advance, how does it affect your credit score?

Tue, Apr 02, 2024

Apart from loan facility, you get many types of discounts and offers through credit card. This is the reason why the trend of credit cards has increased rapidly in recent times. But do you know that like debit card, you can withdraw cash from credit card also?

Credit Card Cash Advance: What is it? How its misuse can lead you to significant losses?

Credit Card Cash Advance: What is it? How its misuse can lead you to significant losses?

Tue, Apr 02, 2024

Credit Card Cash Advance: Many users are unaware that, like debit cards, credit cards also offer a cash withdrawal facility called cash advance. Doesn't this seem like a quick solution when you need money immediately? But if one fails to pay the credit card bill, they will not only be paying interest on withdrawals but they will also be slapped with a monetary penalty. Know here's how:

Why Is RBI Cracking Down on Co-Branded Credit Cards?

Why Is RBI Cracking Down on Co-Branded Credit Cards?

Tue, Mar 12, 2024

India's central bank, the RBI, is taking measures to regulate cobranded credit cards, aiming to prevent non-banking entities from exploiting loopholes. Learn about the new guidelines and their impact on the financial sector.

RBI Unveils Stricter Rules for Business Credit Cards, Prioritises Data Privacy

RBI Unveils Stricter Rules for Business Credit Cards, Prioritises Data Privacy

Fri, Mar 08, 2024

The Reserve Bank of India (RBI) introduces new regulations for credit and debit cards used in business accounts, focusing on data privacy and security. These changes require card-issuers to monitor fund usage effectively and obtain explicit consent from cardholders before sharing data with outsourcing partners.

RBI Latest Credit Card Guidelines: Multiple Card Network Options & Company Arrangements Scrutinized

RBI Latest Credit Card Guidelines: Multiple Card Network Options & Company Arrangements Scrutinized

Wed, Mar 06, 2024

RBI made changes in the rules for issuing credit cards, credit card companies will have to provide multiple options, options for multiple card networks will have to be provided: RBI. Arrangement between card networks and companies is not favourable, companies should enter into agreements keeping in mind the interests of customers: RBI

Analyzing January's Credit Card Spending: Industry Insights & New Card Additions

Analyzing January's Credit Card Spending: Industry Insights & New Card Additions

Mon, Feb 26, 2024

How was your credit card spending in January? How many new cards did the industry add? See complete details of credit card expenses for January here

LIC Cards, IDFC First Bank, Mastercard collaborate to launch co-branded credit card

LIC Cards, IDFC First Bank, Mastercard collaborate to launch co-branded credit card

Thu, Dec 14, 2023

Available in two variants -- LIC Classic and LIC Select -- the credit cards will let more than 27 crore policyholders across the country save in the form of reward points on every LIC insurance premium payment, as per a joint statement.

Credit Score: How exhausting credit card utilisation limit can affect your credit score?

Credit Score: How exhausting credit card utilisation limit can affect your credit score?

Sun, Nov 26, 2023

If you use your credit card to its full limit, you credit score will take a hit. So, what credit card limit you should utilise to maintain a healthy credit score. Know it in this article!

Credit Card Offers: These credit cards give you up to 25% cashback; know details

Credit Card Offers: These credit cards give you up to 25% cashback; know details

Mon, Nov 13, 2023

If you shop with these credit cards from Axis Bank, ICICI Bank, and HDFC, you can get huge discounts and cashback offers. Let us tell you about 4 such credit cards, which are offering great deals.

Credit Card: Burdened with credit card debt? Follow these ways to avoid it

Credit Card: Burdened with credit card debt? Follow these ways to avoid it

Sun, Oct 22, 2023

Many people use credit cards to shop, but if they fail to pay the bill on time, they may be burdened with debt. Know here about the ways to avoid it.

Credit Card: Can I pay one credit card bill from another credit card?

Credit Card: Can I pay one credit card bill from another credit card?

Mon, Sep 18, 2023

You can pay the bill of one credit card with another by utilising balance transfer, obtaining a cash advance, or utilising e-wallet.

Credit Score: Is your Cibil score falling even after paying credit card bills on time? These could be the reasons

Credit Score: Is your Cibil score falling even after paying credit card bills on time? These could be the reasons

Thu, Sep 14, 2023

Not paying your credit bill on time or missing it completely may not be the only reason for your falling Cibil score. It can also go down when you pay your credit card bill in full and on time.

Credit card spends touch record high at Rs 1.44 lakh crore in July: RBI data

Credit card spends touch record high at Rs 1.44 lakh crore in July: RBI data

Thu, Aug 31, 2023

RBI data reveals that most credit card issuers saw an increase in spends during July.

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