How Do Credit Card Balance Transfers Work?Cardholders may sometimes face one or more credit card debts that they are not able to pay at once. In this case, they may transfer the entire outstanding amount from all the credit card accounts to a single account. The balance transfer credit card that consolidates the outstanding amount usually charges a much lower interest rate as compared to the finance charges. Do note that certain card providers even offer 0% interest rate for a limited period. To know more about how credit card balance transfers work, visit: <a href="https://cardinsider.bcz.com/2022/08/17/how-do-credit-card-balance-transfers-work/" target="_blank">https://cardinsider.bcz.com/2022/08/17/how-do-credit-card-balance-transfers-work/</a> Benefits of credit card balance transfer Reduced Financial Strain – Balance transfer credit cards charge a significantly lower interest rate when compared to finance charges. Credit card finance charges (interest rates) are about 3.5% p.m. while the interest rate on a balance transfer is usually around 1.8% per month. Some card providers may also offer 0% interest rate. Lower interest rate means lower financial burden. Stabilize Credit Score – Lowered interest rates will make it easier for the cardholders to make payment and hence stabilize their credit score. They can even improve it with timely payments. Interest-Free Period – Credit card providers offer an interest-free period on new purchases post balance transfer as well. This way customer can make new purchases without incurring interest rate on it. Other Benefits – Credit card providers sometimes offer teaser rates or other introductory offers to customers. These benefits may include longer interest-free periods, low interest rates, etc. There are some fees and interest included in these servicesProcessing Fee – Customers will be charged a processing fee for a balance transfer that can range anywhere between 1% and 3%. Some banks may also charge a flat fee. Interest Rate – The interest charged on Balance Transfer can be 0% for a certain period. But, the interest rate is usually around 0.75% and may go up to the particular credit card’s finance charge.

Credit cards secret talks.

How Do Credit Card Balance Transfers Work?

Buy Now Pay Later Cards Vs Credit Cards: What’s the Difference?In the past few years, we have seen banks, e-commerce companies and even fintech players offer schemes for shoppers called Buy Now, Pay Later (BNPL). The BNPL is a financing option that allows shoppers to make purchases and pay for them at a future date with an interest-free period. So, how does buying something using a credit card differ from using the Buy Now, Pay Later Scheme? To know about credit cards and BNPL cards, visit: <a href="https://www.easyfie.com/read-blog/1587796" target="_blank">Buy Now Pay Later Cards Vs Credit Cards: What’s the Difference? (easyfie.com)</a> What Is Buy Now, Pay Later? Buy now, pay later is a type of short-term financing. BNPL plans often charge no interest and no fees, with the exception of late fees for missed payments. How Credit Cards Differ Credit cards can be used at retailers. But they can also be used to buy gasoline, make utility bill payments, and accommodate other kinds of expenses.  If the cardholder pays their balance in full each month, they won't owe any interest. Otherwise, their balance will accrue interest at the card's annual percentage rate (APR). Buy Now, Pay Later vs. Credit Cards: Which Is Better? Buy now, pay later plans and credit cards are both options to consider when making purchases online or in stores. But each has some advantages and disadvantages. Pros of Buy Now, Pay Later <ul><li>Convenience: You can apply online and be approved almost instantly</li><li> </li><li>Get approved without a hard credit check, which can lower your credit score</li></ul> Credit Card Pros <ul><li>Can be used at a wider array of retailers and for other purposes</li><li> </li><li>Pay off purchases over time at your own pace, without fixed instalment payments</li><li> </li><li>Potential to earn cash back, miles, or points on purchases</li></ul>

Buy Now Pay Later Cards Vs Credit Cards: What’s the Difference?

How to make travel creditcards work for youYou’ve probably heard of travel credit cards or travel rewards cards, but you may not be clear on how they work. These cards pay you points or miles for making both travel purchases and everyday purchases. Once you accumulate enough points or miles, you can redeem them for rewards like flights and hotel stays.To know more about travel credit cards, visit <a href="https://www.launchora.com/story/1659695603-how-to-make-travel-credit-cards-work-for-you-0" target="_blank">https://www.launchora.com/story/1659695603-how-to-make-travel-credit-cards-work-for-you-0</a>If you travel often, one of these cards can be a smart financial tool. Are you thinking of applying for a travel credit card? Here are the basics of travel credit card rewards to get you started. Take advantage of sign-up bonusesMany travel cards come with generous sign-up bonuses. These welcome offers usually require you to spend a certain amount within the first few months of opening the account. Although these bonuses are often an attractive incentive to apply for a card, make sure the spending requirement is realistic for your budget and travel plans. Be aware of all fees before applyingCredit card fees don’t directly affect the rewards you earn, but the cost of the fees affects a card’s overall value to you. Take note of all the fees associated with any card you’re interested in getting. Annual feesNot all travel cards come with an annual fee, but those that do typically range from $95 to over $500. If you’re interested in a travel card that has an annual fee, be sure that the rewards and benefits will offset the cost. Foreign transaction feesSome credit cards charge a foreign transaction fee for overseas purchases. This fee is usually around 3 per cent of purchase, and you’ll pay this fee for every transaction. If you travel abroad frequently, you should consider getting a credit card with no foreign transaction fees. Make sure you have the right cardIt’s important to find the right travel card for your needs. For example, if you’re partial to a certain airline or hotel chain, a co-branded card can offer higher rewards rates, discounts and perks. Additionally, pay attention to a travel card’s rewards categories. For example, earning points or miles at restaurants won’t deliver a lot of value if you rarely dine out. But if you use services like Lyft or Uber a lot, you may want to look into a card that offers points or miles for rideshares.

How to make travel creditcards work for you

TOP BUSINESS CREDIT CARDS IN INDIABusiness owners know every penny they spend counts. When it comes to making the most of business transactions, using a credit card can be a rewarding strategy. To know more about Top business credit cards, click: <a href="https://www.slideserve.com/kartik7/top-best-business-credit-cards-in-india" target="_blank">https://www.slideserve.com/kartik7/top-best-business-credit-cards-in-india</a> Business credit cards can offer a range of benefits. These include rewards or cash back, loyalty points, travel protections and expense management. The key to finding the best business card for you is identifying which of those factors matter for your business and determining what you value most: Rewards, cash back or help with building credit. To apply for a business credit card (CC) online, you can visit the official website of any business CC issuing company of your preference. Follow the steps mentioned below to complete the application process:   Step 1: Visit the lender’s official website. Step 2: Navigate to the ‘Business Credit Card’ section. Step 3: Compare between the top business credit cards available on the website. Step 4: Choose the right business credit card that suits your needs. Step 5: Fill the application form and submit it along with other documents (see below) to apply for a business credit card online Here are some of the top business credit cards in india Axis Bank MY Business Credit Card ICICI Bank Business Advantage Black Credit Card Citi Corporate Credit Card HDFC Business MoneyBack Credit Card HDFC Business Regalia Credit Card

TOP BUSINESS CREDIT CARDS IN INDIA

HDFC Bank is India’s largest private sector bank by assets and the largest bank in India by market capitalization. With a wide network of over 15,292 ATMs and 5500 branches spread across 2848 cities, HDFC bank has issued over 1.5 crore credit cards as of 2020. This makes HDFC the largest issuer of credit cards in India. More Indians trust HDFC credit cards than any other card as HDFC credit cards offer a host of features and benefits that blend ease of use with great value for money.Read on to find out more about the various benefits of HDFC Bank credit cards.Read more about HDFC cards at <a href="https://karannegi.wixsite.com/creditguide/post/benefits-of-having-hdfc-credit-cards" target="_blank">https://karannegi.wixsite.com/creditguide/post/benefits-of-having-hdfc-credit-cards</a> Key Features and Benefits of HDFC Credit Cards 1. Great System of Rewards -&nbsp;Every time you use your HDFC credit card for transactions, you earn reward points that can be redeemed for great offers leading to major savings. 2. Interest-free Credit -&nbsp;A great HDFC Bank credit card benefit is that it offers a grace period between a transaction and the repayment date during which no interest is charged by the bank. 3. Complementary Insurance – Another great HDFC card benefit is that you become entitled to accidental death cover as well as burglary and fire cover on certain items that you purchase using your HDFC credit card, as long as certain minimum spending requirements are fulfilled.&nbsp; 4. Great Travel Benefits – With an HDFC credit card, you get a range of travel benefits such as lounge access, baggage allowance, complimentary flight tickets, extra air miles, and much more, making HDFC credit cards especially attractive to frequent travelers. 5. Improve Your Credit Score – Another HDFC Bank credit card benefit is that every time you use your HDFC credit card for a transaction and make your payments on time, your CIBIL score improves. This makes you eligible for cheaper and faster loans besides a host of other offers that&nbsp;banks offer only to customers with a great credit history. HDFC offers a variety of cards to choose from. Each individual can own a card according to their lifestyle, need, and will. Choosing the correct credit card will always help you save a ton on your expenditure and earn redeemable points to shop on later.

Benefits Of Having HDFC Credit Cards

A business credit card is a card specifically designed for business expenses rather than for an individual's personal use. Business credit cards help businesses and corporates in streamlining their expenses and avail several business-specific benefits. A number of banks are offering business credit cards with multiple advantages. Here we have listed some of the credit cards for business units which would help you choose the ideal card as per your requirement. Click on the link to know more about Best Business Credit Cards in India: <a href="https://ello.co/cardinsider/post/ijv1zgvhuzyktgxp5ccr7a" target="_blank">https://ello.co/cardinsider/post/ijv1zgvhuzyktgxp5ccr7a</a> <ul><li>SBI Platinum Corporate Credit Card. </li><li>ICICI Bank Business Advantage Black Credit Card </li><li>HDFC Business MoneyBack Credit Card </li><li>Axis Bank My Business Credit Card.</li><li>Citi® Corporate Credit Card </li></ul>

Best Business Credit Cards in India.

There are many credit card companies that will offer you cash back rewards for credit card purchases that are made using your card. For a lot of those companies, if you use the credit card as a debit card you will miss out on some of those rewards and also have to pay transaction fees. The credit card companies encourage the use of non-pin transactions because it helps to fight against and prevent fraud. If you are asked to enter a pin number for your purchase, then you can be certain that the purchase is being counted as a debit card transaction instead of a credit card transaction, since credit card transactions do not require pin numbers. Click on the link to know more about the How to Use a Credit Card Without a Pin Number: https://ello.co/cardinsider/post/3fupdw8q90jyjuqzu2f0ka

How to Use a Credit Card Without a Pin Number?

It's a simple fact that in order to establish credit, you have to use credit. For that reason alone, it's a good idea to use credit from time to time. Beyond that, there are also certain types of purchases that you should always use credit cards for because of the increased security that cards offer. Many credit cards also offer additional perks like points earned on purchases, which can really add up over time, essentially equating to "free money" for those who are consistently able to pay off their card balances, never having to pay costly interest fees.Click on the link to know more about the purchase you should always make a credit card: <a href="https://www.kooapp.com/koo/cardinsider/9a201bbb-d986-4314-8c22-fe93f5e97070" target="_blank">https://www.kooapp.com/koo/cardinsider/9a201bbb-d986-4314-8c22-fe93f5e97070</a> Note, however, that cardholders should fully understand the perks, features, and limitations of their cards' programs such as cash back, and use those categories of purchases as “credit only” as well. For example, the Amex BlueAdvantage card offers 6% back on groceries up to a certain dollar amount each year. That’s a huge discount on the weekly grocery bill and makes it a must-have for families with large grocery orders. Those “key purchase” categories also extend to affinity cards like the GM credit card where the perk itself can be directed to a specific purpose, such as a new car.

Purchases You Should Always Make With a Credit Card?

It's more important than ever to learn about credit card security and make it part of your online shopping routine. These credit card security tips can help.Using a credit card online is one of the great conveniences of modern life — but that convenience can also be costly if you aren’t careful. You shouldn’t assume that the technology you use to shop online couldn’t also be used to make you a victim of fraud just as easily.Even reputable companies have fallen victim to massive cyber attacks, which means that you need to take appropriate measures to protect your finances yourself. It’s more important than ever to learn about credit card security and make it part of your online shopping routine.  Click on the link to know more about 5 safety tips for your credit cards: <a href="https://anynote.co/post/25273_in-this-post-you-will-learn-about-10-safety-tips-pertaining-to-your-credit-card.html" target="_blank">https://anynote.co/post/25273_in-this-post-you-will-learn-about-10-safety-tips-pertaining-to-your-credit-card.html</a>

5 Safety Tips Pertaining To Your Credit Card.

Fuel prices are constantly fluctuating around the world. you can save on fuel purchases by applying for credit cards from some of the top banks. the best credit card for fuel consumption offers savings on both fuel and other purchases. go through the following section to find out more: Click on the link to know more about the top 5 best fuel credit cards in india: <a href="https://www.launchora.com/story/1658730009-top-5-fuel-credit-cards-in-india-0" target="_blank">https://www.launchora.com/story/1658730009-top-5-fuel-credit-cards-in-india-0</a>

Top 5 Fuel Credit Cards In India.

Federal Bank, a major private sector commercial bank in India, is headquartered at Aluva, Kerala. Federal Bank offers two credit cards to its customers. The credit cards are internationally accepted. Federal Bank credit cards are issued in association with VISA and are co-branded with State Bank of India. Why Choose Federal Bank Credit Cards?With a Federal Bank credit card you get a number of advantages in the palm of your hand. There's a choice of these cards that caters to the high-end user and the regular user. <ul><li>Federal Bank SBI - VISA Gold 'N More Credit Card</li><li>Federal Bank SBI VISA Platinum Credit Card</li><li>Federal Bank Visa Celesta Credit Card</li><li>Federal Bank Visa Imperio Credit Card</li><li>Federal Bank Visa Signet Credit Card.</li></ul> Click on the link to know about best federal bank credit card: <a href="https://www.edocr.com/v/dnjnwpbd/Cardinsider/feddral-bank-credit-cards" target="_blank">https://www.edocr.com/v/dnjnwpbd/Cardinsider/feddral-bank-credit-cards</a>

Episode 3

Opening the envelope that holds your credit card is always an exhilarating experience. To tear the seal & open the letter that holds your maximum credit limit is an exciting task for every individual. It gives you an extra layer of freedom to spend and realize all the dreams that you suppressed with an I’ll buy it with my new credit card statement! You must, however, not get pulled into the euphoria & keep a few things in mind before you start using your new credit card!Click on the link to compare best credit cards in india : <a href="https://www.hindustantimes.com/brand-post/card-insider-launched-the-website-that-helps-users-find-the-right-credit-cards-101630412813213.html" target="_blank">https://www.hindustantimes.com/brand-post/card-insider-launched-the-website-that-helps-users-find-the-right-credit-cards-101630412813213.html</a> 1. Activate your cardThe first step is activating your card, which is an easy 2- to a 3-step process. You must simply call the given number & authenticate your details. These days you can also receive an OTP on your registered mobile number to set your card PIN. Alternatively, you can register the card on your account through the net banking platform.  2. Destroy old cardsIn case this new credit card is an upgrade from the bank or opted by you, destroy the old card by cutting through the magnetic strip. In any case, maintain the practice of destroying the cards as soon as they expire & order for a replacement.  3. Read the rules & regulationsApart from the blessed document that holds your card & its limit, there are other documents that are a part of the kit. Ensure a thorough read through them all as they enlist the rules & regulations that you are liable to follow.  4. Spend within your limits to pay within your comfortHowever high your credit limit may be, make sure that you hold your horses on the expenditures. To make sure that your credit score is not hampered, make full payment of your credit card dues every month. This will not only maintain your credit score but will also reflect positively on your credit history, showing you as a responsible borrower.  5. Check your credit scoreConduct regular credit checks to know how your score has progressed & what measures you must take to repair it, if needed. Credit bureaus like CRIF offer 1 free report every year. Use it to know where you stand & tap any errors or frauds when you see suspicious changes in your score. This way you will be vigilant to report an identity theft in time.

5 Things You Should Do When You Get a New Credit Card .

With the price of fuel rising every year, a lot of people are looking for credit cards that could help them save on their fuel expenses. While most of the cards offer a certain amount of fuel surcharge waiver per month, there are cards designed specifically to cater to your fuel needs. Click on the link to know more about the Top 5 Fuel Credit Cards In India: <a href="https://www.click4r.com/posts/g/4304793/top-5-fuel-credit-cards-in-india" target="_blank">https://www.click4r.com/posts/g/4304793/top-5-fuel-credit-cards-in-india</a>BPCL SBI Card Octane:BPCL SBI Card Octane is a premium version of BPCL SBI Card and comes with additional advantages. With this card, you can get 7.25% value back on Bharatgas online payments through the website and mobile app. This card also give you a good start with a welcome bonus of 6,000 reward points. Some of the key features are as follows: 25 reward points per Rs. 100 spent on BPCL Fuel, Lubricants  Bharat Gas (website  app only).10 reward points on every Rs. 100 spent at dining, departmental stores, grocery movies. Many more Click <a href="https://www.click4r.com/posts/g/4304793/top-5-fuel-credit-cards-in-india" target="_blank">here</a>.

In this podcast you will get to know about credit cards.