Credit Cards - Know Them Better To Play Safer....
Tags :
Credit Cards, Credit, cards, C, cards, c, c, debit cards, platinum cards, gold cards,
Industry :
Banking, Asset Management, Private Banking/Wealth Management, Equity Research/Analytics
Functional Area : Purchasing, Homes, Personal Finance |
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About "Credit Cards - Know Them Better To Play Safer...." topic:
Its always better to know your credit cards than knowing your favorite holiday spot. Credit cards are not simple as they look like....if not handled properly then they can cause pain that has no cure....
A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged.
So, lets discuss more on this.....
A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged.
So, lets discuss more on this.....
2 insight
, 1 debates
, 3 idea contests
on topic: "Credit Cards - Know Them Better To Play Safer...."
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We all love to have credit cards use it happily to spend blindly...But there are something we need to be aware of.... I'm Sharing this information with you all hope its usefulll......... 1. 'We're waiting for you to screw up.' Despite new credit card rules, there are still many factors that can cause a credit-card issuer to raise your interest rate. Among them is when a lender reviews your credit history and decides to change the terms of your credit card after it's informed that you missed a payment with another credit issuer. The Credit Card Accountability Responsibility and Disclosure Act does offer consumers some protection here, though. Should your credit-card issuer change the terms...
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Shashi Kumar U
| Commented
| 1 year ago
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i have been using credit cards for almost ten years now. I still can not figure out as to how they calculate interest. also certain charges like late fee, over draw fee which the banker do not tell you when issuing the card.
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kanukurthy sudershanrao
| Commented
| 1 year ago
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1. Why the credit history of another credit issuer for raising the interest rate so long as the card user has maintained good credit history. The reasons for not making payment to the other credit issuer may not be financial. What is the way out...
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Insight: "10 things credit card issuers don't say - Warning!" deleted from your view.
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(rate this)
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1
Joining and annual fee
2
Duplicate Statement fee
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R N Bhattacharyya
| Added idea
"Late payment fees"
| 1 year ago
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Now a days, most of the credit cards are free from joining/annual fees.Good amount of fees, in the name of interest,is applicable on late payment of credits.
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Ravi Ranjan
| Supported idea
"Joining and annual fee"
| 1 year ago
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there are so many different charges so if u are having any credit card or u r going to get a new credit card pls esquire about all the charges like annul charge, charges slept if u do not pay whole amount in one shot over limit charges. But at...
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Ideate: "What are the different fees related to credit card usages??" deleted from your view.
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Hey friends here is interesting piece of information just for you...... What credit card for whom? A credit card offers convenience and safety along with well packaged privileges and benefits. Here is an overview of various credit card types offered by banks. Premium Card Eg: Gold and Platinum cards. These cards offer cash back, reward points to cardholders. Premium credit cards have higher credit limit, a personal assistant service to assist the holder anytime of the day apart from other offers like comprehensive worldwide travel insurance for you and your family, access to exclusive airport lounges worldwide etc. This varies from bank to bank. Target group: HNIs and top management of c...
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Abhay Sanghavi
| Commented
| 1 year ago
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Thanks Swati. It's Very Much Informative About Credit Cards
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Abhay Sanghavi
| Commented
| 1 year ago
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Thanks Swati. It's Very Much Informative About Credit Cards
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Insight: "What Credit Card For Whom??" deleted from your view.
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1
Shopping any time any where
2
proper money management.
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Ravichandar S
| Supported idea
"Shopping any time any where"
| 1 year ago
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fine, the advantages listed are good. with added safety in the form additional password, the card scores over the cash.
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Atul Joshi
| Supported idea
" Credit cards encourage better record keeping"
| 1 year ago
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yeah sure you have to read the credit card statement with a fine toothed comb to find out the hidden charges, make you more vigilant about your own money
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Ideate: "What are the advantages of using a credit card?" deleted from your view.
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(rate this)
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1
Put your signature fast
2
Don't give photocopy of both the sides
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Aditya Sharma
| Supported idea
"tcms srinivas leading nbfc"
| 1 year ago
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Thanks Esha. Besides fingerprints we can also go in for DNA Printing and other such advanced technologies.
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Rajyalakshmi K
| Added idea
"Don't give photocopy of both the sides"
| 1 year ago
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Do not provide photocopies of both the sides of the credit card to anyone. This is because the card verification value (CVV), which is required for online transactions, is printed on the reverse of the card. Anyone can use the card for online...
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Ideate: "What are the Top 10 ways to protect your card from getting misused?" deleted from your view.
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(rate this)
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Yes
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12
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VS |
7
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No
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Kulwant S Wilkhu
| Argues in support of
"No"
| 1 year ago
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Black money can not die in India and in the world so Cash will remain Kulwant S Wilkhu
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Leeladhar
| Argues in support of
"Yes"
| 1 year ago
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The Transanctions will be more towards without handling cash, it may be either through cards or internet based transanctions. still in India 50 % of population living largely a rural areas deal in cash only, it will take its time to convert from...
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Debate: " Can cards really replace cash in coming days??" deleted from your view.
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