India is mainly an agricultural country. More than 60 percent of our population depends on agriculture for their livelihood. Despite this, the Indian farmer is almost always in debt. Lack of agricultural credit or the access to it forces the farmers to resort to unorganized sector, such as moneylenders, for loans. Though the moneylenders may…
Credit card providers are coming up with new ways to attract consumers. Many credit cards specialize in rewarding a particular spending habit. Credit cards reward the customers in the form of Points, Cashback or Airmiles. Choosing a particular rewards credit card is important as it allows you to maximize your returns on transactions. This article…
Concierge services offered by credit cards are among the best perks that a credit card user can ask for. Originally, concierges were employees of hotel that looked after the customers’ needs. Banks, seeing the value of concierge services, started offering this service with their premium credit cards. Many clients have loved the service for its…
A credit card can prove to be really beneficial and useful tool if used responsibly. The security features that credit cards are decked with nowadays make them much more secure then carrying regular cash. Once you get a credit card and start making good use of it, the next question is whether you should get…
Everyone is talking about credit score nowadays. Some are still trying to understand the concept of credit score and others, who have it all figured out, are working on improving their own scores. There are a lot of factors that affect your credit score, credit cards being the most common. Some people get credit cards…
Credit cards have made payments easier, not only for individuals but also for small businesses and corporates. Almost all major credit card issuers are offering business credit cards. If you are a business owner, a credit card designed specifically for business expenses would be better than using a personal card that has benefits aligned to…
Ever since credit cards made their way into our country, their demand and usage has seen several ups and downs. Even today, you can find a group of people who love to use credit cards and a group that is completely against it. So, what is the right path? Are credit cards good or bad?…
Now that you think you can manage your finances well and you need an emergency backup to meet your financial requirements, credit card is the first option that comes to your mind. The first thing you do is to apply for a credit card and immediately and there you hit the first hurdle, the limited…
Do you remember your dad’s good old travel advice to divide cash in multiple wads and keep them in different bags? This was quite a clever hack to save you from a cash-crunch if you lost your wallet. But those days of relying solely on cash are long gone. Plastic money, especially credit card, has…
The world of credit cards may seem confusing for a beginner. There are several banks offering numerous credit cards each with different features and benefits. There is not a single card that fits the definition of ‘best credit card’ as different people have different financial needs. The right credit card for you is the one…