The Vibe Journal: Finance Blogs

Virtual credit cards (VCCs) are digital copies of regular credit cards offered by issuers upon your request. These cards help protect your card details, especially when making online transactions. This is especially important in recent times due to the increase in fraud, hacking and fake websites impersonating genuine e-commerce platforms.  When you generate a virtual …

Credit cards have become increasingly popular and therefore, credit card validation has become more pertinent than ever. The validation process helps ensure the card number is valid. While the process is complex, many online credit card validators make this easier, simpler and quicker.  Read on to learn how credit card validators work, their importance, benefits …

A credit card is a handy tool to fulfil your short-term goals with the help of a pre-approved credit limit. If you are in need of a higher amount to meet an emergency and need more time to repay it, you can opt for a loan on a credit card.  Similar to other borrowing options, …

The newly launched Fibe Credit Card is a co-branded card launched in collaboration with Axis Bank and comes with attractive features and benefits. With it, you can make every transaction more convenient and rewarding.  One of its many standout features compared to traditional credit cards is that you can link this numberless RuPay credit card …

Ever wondered what is accrued interest and why it’s important for your finances? Simply put, accrued interest is the interest that builds up on a loan, bond or investment over a specific time even before you pay or receive it.  Understanding it helps you:  Whether you’re taking a personal loan, buying a bond, or saving …

If you’re planning to take a loan, it helps to know what is prime lending rate. This rate impacts how much interest you’ll pay on credit cards, home loans or business loans.  The prime lending rate meaning is simple. It’s the rate banks give to their most creditworthy customers. But it also sets the base …

If you often leave extra money sitting in your savings account, you may be losing out on better returns. That’s where the automatic sweep feature comes in. Many people search for what is auto sweep facility because it promises higher interest without you having to lock your money away. You can think of it as …

Credit card issuers increase your limit based on your financial profile and creditworthiness. They will check your income, existing debt, number of cards, job status, repayment history and credit score. A higher limit gives you more spending power for shopping, essentials, food, travel and entertainment. This is why a credit card limit increase can be …

Knowing more about the differences in features of personal loans vs credit cards is important so you can choose the right one during times of need. To ensure you can meet and address your financial obligations, figuring out which of these supports your needs for quick and restrict-free usage is key. Read more below to …

Want to know how to check credit card expiry date online? It’s simple! Your credit card’s expiry date is usually printed on the front, but you can also check it online through your bank’s net banking portal or mobile app. Keeping track of your card’s expiry date ensures you don’t face payment failures or transaction …