Credit Card Blogs

Outstanding debt is a crucial factor in determining your creditworthiness. As your debt piles up, availing of new loans or credit cards becomes difficult. When a financial institution receives your credit application, it reviews your credit report.  This document includes a record of your credit history as well as defaults. As such, any unpaid debts …

Credit cards require you to make timely payments to avoid interest charges and you can simplify your life using a credit card bill payment app. A user-friendly app makes the whole process of paying bills convenient and quick.  This way, you don’t have to visit your credit card provider’s branch or miss due dates. Such …

One might think getting a credit card for a low CIBIL score is hard. It’s harder, certainly, but it isn’t closed off. Certain issuers will extend credit even when your score is well short of perfect, and the right card can double up as a tool to repair the score itself.  First, though, it helps to know where you actually …

When credit card transactions go wrong, knowing the chargeback meaning and sending a request can help you secure your finances. It plays a vital role in providing security and confidence to you as a cardholder against fraud or incorrect product deliveries from merchants or retailers.  You can place a chargeback request in case of receiving …

A credit card CVV number is an added layer of protection for your card information and your identity. While shopping with credit cards, there is always a risk of fraud and phishing as you share your card details. To protect against such risks, issuers apply many protective measures. One such measure is a CVV number …

The NCMC card is a revolutionary option that makes travel easy with a complete payment solution. To reach any destination, you need to switch multiple modes of transport. While you can efficiently book train, aeroplane and even bus tickets, local transport requires you to carry cash.  With an NCMC Debit Card, you don’t have to …

This guide explains what a credit card IFSC code is, how it differs from your regular bank IFSC code, and how it works when you pay a credit card bill via NEFT. You will also find a verified list of credit card IFSC codes for major Indian banks, the documents you need for the payment, …

Credit card churning is a strategy using which people aim to maximise rewards and bonuses offered by card providers. Issuers always aim to provide maximum benefits to their customers; this includes rewards, cashback, offers, discounts and more. One such benefit is the welcome reward points.  Some people redeem their welcome benefits, rewards as well as …

This guide explains credit card payment reversal, how it differs from a refund and a chargeback, and the 3 practical ways to reverse a wrong or unauthorised credit card transaction in India. It also covers reversal timelines, chargeback windows and how to track your request status.  Credit card payment reversal gets your money credited back when a transaction goes wrong – an unauthorised charge, …

A credit card grace period is the interest-free time between your billing cycle end date and the payment due date. If you pay your total outstanding amount within this period, you won’t be charged any interest on your purchases. Depending on the card issuer, the grace period can range from 20 to 50 days.  For example, if your statement is …