In current scenario, it is becoming difficult to live without a credit card. Whether you want to do travel arrangements, restaurant reservations or want to place orders via telephone, you all need a credit card. You can find various card options in the market such as Kotak Mahindra Bank credit card, HDFC credit card, Citi Bank credit card, etc. Let's have a look on some of the basic things which you should consider before applying for a new credit card-
(1) Don't apply for too many credit cards – There is hardly any reason of applying for too many credit cards or overflowing your wallet with too many options. You would only required one or two credit cards. You should be selected and pick only those cards which work best for you.
(2) Check your spending habits- Just because you got various credit card offers in your mailbox every day, doesn’t mean that you will be able to afford more cards. You should carefully check your spending habits before taking any decision.
(3) Don't get attracted towards promotional rates- Card issuers do their best to attract more and more people by offering teaser rates. These are lower than average interest rate but are offered only for limited period. Once the time period is over, interest rate shoots up again.
(4) Understanding late payment charges and other penalties- Make sure you are checking card terms carefully. It is necessary to understand how late payment charges and penalties will be charged to your account, if you will delay your payment.
Credit Cards – Reliable And Needful
http://www.rupeetalk.zoomshare.com/
http://rupeetalk.yourprospexblog.com/
(1) Don't apply for too many credit cards – There is hardly any reason of applying for too many credit cards or overflowing your wallet with too many options. You would only required one or two credit cards. You should be selected and pick only those cards which work best for you.
(2) Check your spending habits- Just because you got various credit card offers in your mailbox every day, doesn’t mean that you will be able to afford more cards. You should carefully check your spending habits before taking any decision.
(3) Don't get attracted towards promotional rates- Card issuers do their best to attract more and more people by offering teaser rates. These are lower than average interest rate but are offered only for limited period. Once the time period is over, interest rate shoots up again.
(4) Understanding late payment charges and other penalties- Make sure you are checking card terms carefully. It is necessary to understand how late payment charges and penalties will be charged to your account, if you will delay your payment.
Credit Cards – Reliable And Needful
http://www.rupeetalk.zoomshare.com/
http://rupeetalk.yourprospexblog.com/
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