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Life on Credit
Tags :
Loans, mortgage rates, personal loans, home loans, cheap loans, real estate loans, bank loans, low interest loans, lenders, lending, credit cards, interest rates, banks
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Asset Management
Functional Area : Personal Finance |
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About "Life on Credit" topic:
We use credit cards for most of our payments. The bill at the end of the month usually gives us a mini heart attack but the thought that next month can again go on , on the credit card makes us happy again. We have been living thi kind of life for a while now. Do we need to get out of this vicious circle?
Lets talk about credit, loans and more
1 trends
, 4 insight
, 2 debates
, 7 idea contests
, 4 question
on topic: "Life on Credit"
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LETS TOGETHER FIGHT AGAINST TERROR AND MARK A DIFFERENCE We - the citizens, must be aware of what is happening around us. It is ridiculous to swallow the entire episode of blood and terror, which happened right before our eyes and blame it on the governance to shirk off the responsibility from our shoulders. How do you feel when you watch any event like this on T.V.? If you think revolutionary, help us spread it, so that we can come up together and do something about it. Here we give you a chance to speak what you feel that a common man should do. Post your suggestions
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linda
| Commented
| 1 year ago
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HELLO ( lindaedwin700@yahoo.com ) My name is Linda I am tall ,good looking, perfect body figure and I saw your profile on(toostep.com) and was delighted to contact you, I hope you will be the true loving, honest and caring man that I have been...
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Arijit Sarkar
| Commented
| 2 years ago
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I think as Asghar has said one should be aware of what is happening in his surroundings all the time, one can't give the attitude who cares.... if something wrong is happening or something suspicious, one should take care of it immediately..and...
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Insight: "LETS TOGETHER FIGHT AGAINST TERROR AND MARK A DIFFERENCE" deleted from your view.
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Cash
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10
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10
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Credit Card
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Ijas Rahman
| Argues in support of
"Cash"
| 8 months ago
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No Worries of Hidden Charges, Late Fee, Tension free life over all. Don't need Swipe Machine, Accepted everywhere. No More Tele-marketing calls
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Kundan Jyoti
| Argues in support of
"Credit Card"
| 2 years ago
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I am using Credit card for quite long and am quite convinced that its certainly abetter option than cash. Its proper use (NOT MISUSE) will always be beneficial for the customers. THe free cedit period, bonus loyalty points and overall the ease of...
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Rahul Gautam
| Argues in support of
"Credit Card"
| 3 years ago
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I would pay using credit card, I am always happy to get 45 days + of grace ( interest free ) period for the product, commodity or services I received. I have never faced any problem such as Mr.Ganesan has faced. I guess Ganesan you might have...
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Debate: "Cash or Credit Card" deleted from your view.
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1
Packed success
2
Don't over leverage, be a prudent borrower
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Venkatachalam C V
| Added idea
"Packed success"
| 3 years ago
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Entrepreneurs know that selling an idea to the target audience can be quite a challenge.However, the situation has much more worsened now. One should be confident before the pitching is done to the client. And that's how a huge bank of clients is...
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Satish Pandey
| Added idea
"Don't over leverage, be a prudent borrower"
| 3 years ago
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I would not go for upgrading my car now. This is not the time to stretch your finances, be it house, car or any other consumption loan. One should avoid financial stress in terms of large EMIs. In 2004-05, the hike in salary was almost 15% after...
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Ideate: "How has the crisis affected the common man?" deleted from your view.
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"internet is the only power of the day in business word."
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8
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"it does not have any significate contributions ."
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mallikarjuna
| Argues in support of
""internet is the only power of the day in business word.""
| 9 months ago
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i can do nothing but agree with you,thats absolutely is so ,thats what the great advantage of technology is for
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kanukurthy sudershanrao
| Argues in support of
""it does not have any significate contributions .""
| 9 months ago
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The cost of computer, the cost of accessing internet etc are beyond the means of the so called common man. The browsing centers are available only in semi urban, urban and metro areas. The speeds at which one can access internet is based on the...
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Inani Sarkar
| Argues in support of
""internet is the only power of the day in business word.""
| 9 months ago
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India is No.3 in internet marketing. But I would not say that internet is the ultimate power nor do I mean that it has no significant contributions.We have used internet for our economic growth already.
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Debate: "The technology power is in the hand of common man to use for the economic growth." deleted from your view.
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I had a room mate, who came to me in the name of relative and lived with me for 6 months. I helped him in all his necessities, including books.. One fine day, when I went to office, he took away my ...
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Suryanarayan Murthy
| Answered
| 8 months ago
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As Mr. Mohammad pointed out, you have to settle the account with ICICI first. Best way is to approach them and ask for a one time settlement. They will give some concession in the dues and you can settle the account. Don't forget to take a letter...
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mohammad arif
| Answered
| 8 months ago
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other then the legal procedure you havve to settle your card payment with icici bank.after clearing the dues they issue a NOC letter.then u have to apply to CIBIL for removing your name from the default list.also you have to pay RS.150 towarrds...
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Answer: "CIBIL Entry and clearance." deleted from your view.
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On 13th September 2009 It is the headline of THE ECONOMIC TIMES That Icici bank bad loans in real estate sector is under lens.In todays paper it highlights only in Mumbai sector ,but I feel that ICICI is a real fraud bank in all parts of INDIA ,as in Bangalor also it joined hans with many real estate corporates viz;ITTINA ABHA, with whom the bank executive joined hands very well ,as they pass loans withinthree hours without confirming any papers of flats,only with the name of ITTINA ABHA.as a result the executive gets promotion ,the builders get full money from the bank, only the service persons who dream for their own sweet home gets trapped in the hand of bank and land lord.They have to p...
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ASOKE KUSARI
| Commented
| 2 years ago
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As a responsible Finance-professional, despite openions in favour or against, I may not indulge in naked mud throwing against an Institution without taking their view ponts in consideration. This Bank in question have obtained licence from RBI and...
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ICICI Bank Care
| Commented
| 2 years ago
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Hi, We are sorry to hear how you feel. Please write to us at care@icicibank.com with your contact details. We will contact you and work to address your issues. Regards, ICICI Customer Service Team.
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Insight: "ICICI Bank's Rs 10K-cr bad loans under lens" deleted from your view.
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Yashpal Singh Tomar
| Answered
| 3 years ago
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Most card issuers pull bureau data for their customers on a monthly basis so that they can take account mqanagement actions and be apprised of their financial status. Thus I believe most card issuers in any case can find out if they think that...
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Answer: "Given the new trend where consumers pay credit cards but miss mortgage payments, would card issuers value a service that..." deleted from your view.
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I need your help conceptualizing alternative risk management financial structures for individuals. Most people carry insurance, which could be viewed as a loan, but does not make for a very good inves...
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Neha Tiwari
| Answered
| 3 years ago
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So you're suggesting a high return bond in the social milieu -- sort of like a junk bond? As a bondholder, I get a high rate of return, so long as there's not an earthquake (the equivalent of the company folding)? As a borrower, of course I have...
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Answer: "Should you borrow against catastrophe?" deleted from your view.
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Reverse Mortgages: Loan against your home Each country will have specific features for the product that need to be understood based on where the property is situated. The National Housing Bank (subsidiary of Reserve Bank of India) has described the principles of the product in a presentation dated Feb 2007. The presentation is available at http://www.nhb.org.in/ . To summarize, product features are: 1. Senior citizens in India are eligible. Main criteria are that one of the spouses needs to be a senior citizen and house where they live in India needs to have been fully paid up. Income criteria is not to be used for this loan 2. Loan is for a max term of 15 years and will be against the hous...
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Suryanarayan Murthy
| Commented
| 8 months ago
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It is yet to catch up in India, I believe.
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Chirag Kabani
| Commented
| 3 years ago
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10. The loan can be paid off at any time without any prepayment penalties. Most of Pvt banks Charge 2-4 % as pre-payment charges ... s thier a way u can ask for a waiver ..they Claim to say u have Signed the agreement before taking Loan
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Insight: "Reverse Mortgages in India: Loan against your home" deleted from your view.
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Three circumstances under which good financial situations turn rapidly into into bad ones: 1. Many people never seem to learn how to manage their money, manage their debts and build good credit. It may be a situation that has been brought about through parents who did not know enough about finances to teach their children, or that the children themselves never had enough interest in the subject to pay attention and learn how money worked. 2. When people start to make decent money for the first time in their lives, for example, when they secure their first job, they start to become confident in their independence. They have the idea that this ability to make money will always be with them. T...
Trends: "Ways to Attract Bad Credit and to Get Out of It" deleted from your view.
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Credit risk management is a very important area for for the banking sector and there are wide prospects of growth and other financial institutions also face problems which are financial in nature. Also, banking professionals have to maintain a balance between the risks and the returns.For a large customer base banks need to have a variety of loan products.If bank lowers the interest rates for the loans it offers, it will suffer In terms of equity, a bank must have substantial amount of capital on its reserve, but not too much that it misses the investment revenue, and not too little that it leads itself to financial instability and to the risk of regulatory non-compliance. Credit risk management is risk assessment that comes in an investment. Risk often comes in investing and in the allocation of capital. The risks must be assessed so as to derive a sound investment decision.And decisions should be made by balancing the risks and returns. Giving loans is a risky affair for bank...
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Star Group Channel Star one is now became LifeOk channel on 18 th Dec., 2011. Yesterday, it has been launched as well as also promoted by Bollywood Actress Madhuri Dixit; it was good launching with online live concert from 12.00 pm to 8.00 pm. As well, television promo OOH have already been started since few days back; LifeOk will broadcast with all new GEC programs. Star Plus has already been taken reposition by changing its logo on Diwali Festival time in India and, then Star Gold has been change logo kept same one as of Star plus. But, Star one has made totally change name as well as logo with animated character different color. Reposition is very important things where it needs to lots of work during changing logo, punch line, packing or else. Since 4-5 years, time is going to take reposition; many brands have already been changed its logo or change company corporate logo. If we talk about GEC channel, Zee Network (Zee Tv, Zee cinema etc.) changed....
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