Category Archives: Credit card

14 Dec

Ways to set aside more funds with Credit Cards

Finheal
Credit card
Tags: credit card, dining offers, lower interest rate, use of credit card
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There is a world of benefits you can accrue with smart use of credit cards. Some of them that help you keep some money.

Most cards these days are associated with some of the other restaurant chains or coffee shops. You just need to find out which ones are partnered with the card you use.

You could just ask the restaurant/shop if they offer discounts with any particular card. You will be astonished to discover out how many times the reply comes with the name of one of the places you visit frequently.

Power user tip: If you don’t have a credit card yet and is shopping around for one, make sure you do a bottom-up approach. Identify the restaurants/coffee shops you regularly visit and choose a card that is already offering a discount for that particular restaurant/coffee shop.

Take vacations for free

Simply show your credit card and get 2 free visits every quarter at domestic lounges at all major airports in India.

Save on your daily travel

Earn 5 times reward points when you use your card for Dining, Entertainment, Utility Bill Payments and even Fuel.

Power user tip: Not all credit cards are the same. Look for the co-branding and choose a card that you can use in your often visited pumps. There are also cards like those from standard chartered which don’t have a co-branding, and up till now, give discounts across multiple fuel providers.

Save still more money shopping online

Get one movie ticket* free up to 200 on purchase of movie tickets at BookMyShow.

Ask for it

Sometimes you just have to create that call and inquire your credit card company for the advantage. Ask for your annual fees to be waived or for a lower interest rate on the unpaid amount.

07 Dec

5 Reasons Why Credit Cards are improved than Cash or Debit Cards

Finheal
Credit card
Tags: card type, credit card companies, credit cards, debit cards
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These are a number of the concerns that our clientele have concerned using credit cards. They experience frightened of profligacy on it and as a result making great interest payments. However, when used properly, credit cards are a greater deal safer than other modes of payment. Credit Cards also offer a lot of incentives and rewards to customers whom they cannot get on using debit cards or cash.

Let’s look at 5 Reasons Why Credit Cards are improved than Cash or Debit Cards:

Late Payments: Credit cards permit users to buy goods on credit and pay the amount in parts every month. This makes them a good alternative to buy expensive items and pay them back in installments over a long duration.

Chargeback: Credit card companies offer chargeback which is a type of client protection that lets cardholders file complaints concerning frauds on their statement. If the fraud is proven, the card issuer refunds the wealth to the card holder. Consumers do not have this reimbursement on a debit card or cash where the payment is made at the point of purchase.

Cash back: With a credit card, you can get a certain amount of cash back (depending on the card type) every time you make purchases .This lets you save more on each transaction and the savings can be as high as 5% of the purchase amount.

Extensive warranties: A credit card company can expand the warranty on products. Some companies add an additional year to the manufacturer’s warranty on credit cards.

Damage and theft protection: Credit Card companies cover some of your purchases against damage or theft. The merchandise is replaced or the customer is reimbursed within 90 days of purchase.

30 Nov

How to decide the correct travel Credit Card?

A lot of us work hard to save sufficient money to plan their next holiday, while some of us are smart sufficient to get a variety of perks from their credit cards to assist plan their vacation. In today’s world, we all know how convinced credit card companies give freebies and perks to its various loyal customers and how important some of these perks can get to be.

In order to select that credit card, ask these following questions while you search for that credit card that fits your travel needs.

How good is the sign up bonus?

Most of the travel credit cards tender a healthy sign up bonus in conditions of a major number of miles, free flight tickets, hotel or flight coupons or a combination of the above. A good sign up bonus should be looked into as this will help you jump start the mile collection process.

Does it permit you to make additional miles?

Most of the co-branded credit cards are joined up with the membership account (frequent flyer program) of that airline. Hence, you only get a convinced number of miles depending on the transaction. However, there are credit cards out there that permit you accrue miles on the credit card account while allowing you to accrue on your recurrent flyer program too.

Is it connected with major airlines? It is for all time good to have a credit card those partners with major airlines and travel companies. That way, you can redeem your miles at one of these big and better known partners who have a wider international spread.

How much are the annual fees?

A lot of us hate paying annual fees, but sometimes for getting the benefits out of a good credit card, you might have to pay the annual fee. Most of the premium credit cards out there charge an annual fee, but in the long run, these annual fees are covered through their rewards.

Does the credit card have a large international network and reach? The last thing you want to hear while you swipe your card is that your credit card is not supported in that country.

Does it offer insurance cover? This is not a must have, but a goo to have. Most of the travel credit cards offer free insurance to cover accidental death during travel or while on a journey. Find out if your credit card offers such a cover.

What kind of privilege access does it provide? A lot of travel credit cards give privilege access to airport lounges, clubs, hotels and more. Such perks are important to people looking to maintain a high lifestyle standard. If you are one of them, you need to look at these privileges closely.

08 Nov

7 things to observe not in while use of a Credit Card

The Credit Card term is not a fresh one and doesn’t require any Introduction. This device is very helpful to manage your monetary condition but it requires highest care even as using. Most of the people use a credit-card as an alternative to purchase things that is further than their budget, but believe us you should set your budget in advance and use the credit card accordingly since, at the end of the billing cycle, you will have to disburse the money.

The capital received from credit card might be your money at the time you use it, but really it is not. You require repaying it so utilize as much as you can reimburse in array to keep away from any probable surprises. We are now to help you intimately watch hardly any things before you create using your credit-card:

Put your budget to make use of credit card and boundary yourself to that

It is more often than not seen that credit card reimbursement period doesn’t levy any interest so to get is reimbursement, it is advised to forever maintain the reimbursement of your credit card to null. Provided you reimburse the dues of the credit card on time, you will be benefitted with interest-free service.

Keep your credit card dues on priority

Keep due date in mind and create certain you make the whole payment previous to the due date comes. We are familiar with; you can reimburse the dues even after the due date, but you require paying some additional amount for that. If you rearrange your payment date to the coming month, then you will be asked to make an extra payment for late fees and monthly interest as well. In the case, you are using your credit card on a usual basis, but not paying the dues on time, and then you may approach crossways a situation where your reimbursement will reach a level that would be beyond your wallet size.

Make imperfect use of your credit card

When you create any cash payment at cash counter by means of a credit-card, you will have to pay the extra charges that are immediately asked for one-time but at high-interest rates. So, improved not use a credit card until or if not you desperately require something.

Credit Card usage gives Bonus Points

It is advised to purchase anything on Easy Monthly Installments. This allows you to wrap your money owing with no trouble.

Automatic liability clearance

If you are a responsible person and regularly paying your credit card bill, then you are saving yourself from lots of dilemmas. So, it is improved that you join your credit card dues with your current account so that any disbursement can be made with no any hassle.

Personally watch charged, levied

Regularly make sure your credit cards usage statement may be on a monthly basis so that you get in order concerning the charges that the banks are charging on you.

Customer support services

Always keep in mind when you obtain a credit cards of any Bank, that exacting bank be supposed to offer 24×7 customer services so that any of your problems can be dealt with easily.

Hopefully, you will be concerned of these points even as by means of a credit cards and not over limit it in order to avoid yourself from a monetary crisis.

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