Deepshikha

Credit cards have become an essential element of our daily routines, offering both convenience and financial flexibility. The credit limit, which determines the maximum amount you can borrow, is an important aspect of credit cards. Understanding your credit card limits and how to raise them can significantly increase your spending power. We are going to dive into the world of credit card limits in this article, providing valuable insights and practical tips to help you maximize your financial potential. What is a Credit Card Limit?  The credit limit is the total amount of charges you are permitted to make on your credit card. The credit card issuer determines the limit, which is frequently influenced by the cardholder’s credit score, income, and other factors. Also, it is determined by the card and the issuing bank. Importance of Increasing Your Credit Limit?  Increasing your credit card limit can provide several benefits. For starters, it provides you with a larger financial cushion

Choosing a credit card requires understanding and comparing interest rates, which play a crucial role in determining the cost of borrowing money and affecting your financial well-being.  In this article, we will guide you through a thorough process of comparing credit card interest rates. By following these steps, you can make informed decisions and select the best credit cards with favorable terms that match your financial goals. Know the Different Types of Credit Card Interest Rates  Before comparing credit card interest rates, it’s important to familiarize yourself with the different types of rates. The most common types include the Annual Percentage Rate (APR), and introductory or promotional rates, balance transfer, and cash advance rates. Each type has its purpose, and understanding their differences will help you to make accurate comparisons. Compare APRs   The APR is one of the key factors to consider when comparing credit card interest rates. It represents the annualized cost

Consumers are continually looking for strategies to maximize what they spend and collect significant advantages in the world of credit cards today. Cashback credit cards , which let you earn money back on your purchases, are a popular choice. This article will go over the operation of cashback credit cards, how you can earn rewards, and how to maximize your redemptions. How do cashback credit cards work?  Cashback credit cards are a sort of rewards credit card that gives you cashback on a specific amount of what you spend. The payback generally represents a percentage of your purchase value and varies depending on the card and the type of spending. For example, you could get 1% cash back on everything and 3% cash back on groceries or petrol.   To receive these benefits, you must make eligible purchases with your cashback credit card. When you make an eligible purchase, a portion of the purchase price will be returned back to your account as cashback. This can pile up over time and save

Credit cards are more than just tools for making purchases and paying bills. They can also offer lucrative rewards programs that allow you to earn points, miles, or cashback on your spending. However, with so many credit card rewards programs available, it can be challenging to know which one is the best fit for you. In this article, we'll explore how to make credit card rewards programs work for you and how to maximize their benefits Main Points Understand the Types of Rewards Programs  Before applying for a rewards credit card, it's important to understand the different types of rewards programs available. The most common types of rewards programs are points-based cashback and miles-based programs.  Points-based rewards programs offer points for every rupee spent on a credit card. These points can then be redeemed for merchandise, gift cards, or travel.   Cashback rewards programs give you a percentage of cash back on your purchases, typically ranging from 1% to 5%. The cash

Using credit card balance transfers can be an effective method to manage credit card debt. It enables you to transfer the balance from a high-interest credit card to another one offering a lower interest rate, typically for a limited promotional duration. This can potentially reduce the interest charges and expedite debt repayment. Nonetheless, there are some vital aspects that you should contemplate before initiating a balance transfer. What is a Balance Transfer?   A balance transfer refers to the transfer of a credit card balance from one card to another. Usually, the balance is shifted to a credit card with a lower interest rate, potentially decreasing the interest payments. Balance transfers frequently come with a promotional interest rate, which is lower than the regular rate. This promotional rate can extend for a few months, allowing you to settle the balance at a reduced interest rate. Why Should You Consider a Balance Transfer? Before proceeding with a balance transfer, it&#

Credit cards are a great tool to build your credit score, warm rewards, and manage your finances. However, sometimes you may decide to cancel a credit card application. Whether you found a better offer or changed your mind, canceling a credit card application is possible. In this article, we will discuss whether you can cancel your credit card application or not, and also we will provide some tips on how to do it. Can You Cancel a Credit Card Application? Yes, you can cancel a credit card application, but it depends on the timing. If you just submitted your application online or over the phone, you may be able to cancel it before it is processed. However, if your application has already been approved, it may be too late to cancel it. It's essential to understand the application process for a credit card to determine if you can cancel it. When you apply for a credit card, the bank or financial institution will review your application, and if you meet the eligibility criteria, they

Club Vistara is the frequent flyer program of Vistara, an Indian airline company that operates mainly in India, with international flights to some countries. The Club Vistara program offers numerous benefits to its members, including the ability to earn and redeem Club Vistara Points. In this article, we will take a closer look at Club Vistara Points and how they work.  What are Club Vistara Points?  Club Vistara Points are reward points that members of the Club Vistara program can earn by flying with Vistara or by spending on their co-branded credit card, the Axis Bank Club Vistara Credit Card. These points can then be redeemed for a range of rewards, such as flight tickets, upgrades, and merchandise. How do Club Vistara Points work?  You can earn Club Vistara Points based on your membership tier and the fare class of your ticket. The Club Vistara program has three membership tiers: Club Vistara, Club Vistara Silver, and Club Vistara Gold. The higher your membership tier, the more Cl