Credit Card Guides

You might have received a number of emails from different credit card companies/banks mentioning that you are pre-approved for a credit card. They send these emails in order to ensure that they gain more and more customers. But, the point here is: what does a pre-approved credit card mean? Do…

In order to achieve financial stability, it has become really essential to have a good credit score these days. For those who don’t know, a credit score is a number that represents how creditworthy you are or how responsible you are as a borrower. Your credit score depends on your…

HDFC Millennia Credit Card is one of the most popular shopping credit cards in the entry to mid-level segment. The card, as per its name, is best suited for young professionals, most of whom tend to be new to credit millennials. While the EasyEMI Credit Card is also targeted at…

Almost all of us sometimes face the situation when we have to return an item that we purchased as it doesn’t meet our expectations or we need to cancel travel-related bookings due to some reason. For example, you see a beautiful dress online and order it using your credit card,…

American Express Platinum Travel Credit Card is a travel credit card by American Express in the subpremium category. The card comes with a joining fee of Rs. 3,500 (annual fee of Rs. 5,000 applicable second year onwards) and offers a range of value-added benefits including complimentary airport lounge access, gift…

The Diners Club Black Credit Card by HDFC is the second most premium offering by the bank after the Infinia Credit Card. As HDFC is the only card issuer in the country that issues credit cards on the Diners Club payment network, it is one of the very few Diners…

The Millennia Credit Card by HDFC, as the name suggests, is targeted at young professionals, most of whom are millennials. It is a cashback-based card and one of the most popular credit cards by HDFC Bank in the entry to mid-level segment. The card comes with a membership fee of…

When you think of getting a new credit card, many questions can come to your mind, which can sometimes influence your decision. The most common question that comes to an individual’s mind before getting a new card is: Can applying for a new credit card affect my credit score? And…

Your credit report is a document that contains all the information about your credit accounts, your payment behavior, credit utilization, and many more details. These are prepared by credit bureaus and the card issuers and money lenders check them to understand your creditworthiness. Your credit scores are also prepared on…

For credit card users, it is very important to understand every term related to credit cards so that they can use their cards in the right way and can get the maximum benefit. One such very important term is ‘Grace Period.’ Many of you might be aware of its definition…