Credit Cards
What are Credit Cards?
Credit cards offered by banks and NBFCs to individuals or corporates provides them with a pre-set credit limit for purchase of any goods and services or even withdraw cash from the credit line, with an agreement that you will pay back the credit utilized along with any interest on it. Credit cards are offered only after verification of credit scores, credit history and income.
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How to apply for a Credit Card?
Credit cards offer instant financing solutions for the purchase of several goods or services. Each card has its own features that can help you save on your purchases and also reward you on spendings. Hence, one should know a few basics as mentioned below before applying for a credit card that match your needs:
Best Credit Cards in India
EquitySeeds Consultants offers guidance in getting a credit card or a credit line card from the below list of partner banks and NBFCs
Benefits of Credit Cards:
Credit cards offer several benefits on your spendings some of which are mentioned below:
Owning a credit card makes it easier to avail a loan from Banks or NBFCs as you would not have to file a loan application for every time you want to borrow.
You can borrow money up to your credit limit to pay the bills for any product or service instantly using a credit card. Hence, making bill payments easy.
Banks and NBFCs allow you to use the credit limit on your card at no interest for a specific number of days. Interest will be charged only on delay.
You are rewarded on using the card and making regular payments with calculated reward points which can be used for shopping or pay dues.
Few Banks and NBFC Credit cards offer you additional discounts on a product or service of a vendor who has a tie up with them.
Credit cards are virtual money protected by a Pin or an OTM for any transaction, also hard to be stolen or damaged as you do not have to carry in paper cash.
Benefits of Credit Cards:
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