Pre-approved credit cards help you get instant credit, which you can use to manage your unplanned or planned expenses. You can get these cards from the issuer when you meet certain eligibility terms. This way, you can get the required credit without waiting for approval. While getting such an offer may sound exciting, it’s important […]
Financial institutions levy credit card over limit charges when you spend more than your sanctioned credit card limit. While this increases your credit card bill amount, it has other negative effects, too. Understanding these charges helps you manage your use of credit and your finances. Read on to learn what is over limit in credit […]
Access to multiple credit cards has made it easier than ever for you to shop, address daily expenses and cater to emergencies. After all, credit cards offer easy access to credit whenever you need it. What’s more, you get to enjoy exciting benefits like: Cashback on certain transactions Discounts and deals Reward points Fuel surcharge […]
A credit card statement can be an essential tool that can help you manage your transactions wisely and without much hassle. The card provider generates this document at the end of every billing cycle or at the cardholder’s request. While you can check your billing amount and other important details with the credit card statement, […]
Credit card late payment charges are one of the charges an issuer levies when you don’t clear your bills on time. While credit cards offer many benefits, these charges can increase your financial burden. Therefore, you must be careful of them. Nevertheless, knowing the charges for late payment is crucial when you have to deal […]
For payment of credit card bills, card issuers give you several convenient online and offline options. Card issuers generate a statement for every billing cycle of around 27- 31 days. This statement includes your outstanding balance and the minimum amount you must pay before the due date. You should try to pay the entire outstanding […]
Credit card reward points are something that most issuers offer to their cardholders for using the card. With every use, you get a certain number of points depending on several factors. You can exchange or ‘redeem’ these points for products, discounts or a cash equivalent and more. Read on to learn more about what credit […]
The APR on credit cards can often make you hesitate when it comes to using this powerful tool in your financial arsenal. Fortunately, you can lower your credit card APR and avoid paying interest when you clear your bill in full. To learn about what is the annual percentage rate for credit cards, read on. […]
Knowing the process of fraud detection in credit cards is becoming increasingly crucial as instances of credit card misuse are increasing each year. Despite security advancements and encryption protocols, fraudsters and hackers can misuse your credit card. Knowing the different ways used to commit fraud can help you protect your finances. So, read on to […]
To help you easily track your credit card application status, card issuers offer many simple and quick options. Using online modes, you can initiate a credit card status check from the comfort of your home. You can also choose offline options to get updates on your card status. When you track your credit card application, […]
