Tips on Credit Card Use

Hello Readers, Usage of credit card could be virtue and bliss at the same time. So you have use it very gently and wisely. As per my observation people have different views and some feels credit card is irrelevant, I will try to put my views across and to remove that curtain.

Here is the list of observation from the society and the biggest question.

" If we have to pay it later then why use Credit Card go for Debit Card".

Answer- No doubt we have to pay it but just understand we have to pay it later and it impacts on Value for money. Suppose you have 10 rupee today and while using credit card you will pay it after 40-45 days and amount is still 10 rupee. I think we should respect value for money and we can invest that 10 rupee and can make it 12 in 45 days and still the debt is only 10.

So you didn't use your real money from your bank account apart at the time of purchase, however invested it and make it to 12 with a profit of 2 rupee.

Secondly, every credit card gave you a lot of offers and discounts and also cashback which is surplus for any individual.

Thirdly, in case of immediate requirement you don't need to borrow with someone, you can pay it( as per the limit of card based on your earning).

Most important - While filling loans bank seek if you had credit card in past or not that shows lenders has trust on you to lend his money.

In fact, if you went for VISA filling some of the countries ask your credit card details( USA is one of them)

How to use it -

Use it as per requirement and all day to day expenses like Bills, recharge, movies, dining, grocery through credit card and make the payment as per time line so that your CIBIL will be increase and lenders have trust that he is genuine in terms of return back the money.

Hope I am able to clarify up to some level of extent.!

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In this I am going to share some tip about using a credit card. Some people do have confusion about usage of credit card, they don't have the proper knowledge of this credit card and use it without any plan and face alot of problems.Whenever bank is giving you the credit card it is your first priority to make your account fill with sufficient money, because some people don't have sufficient money in account and face lot of problems while deduction.I am personally using a credit card and I am using this app carefully guys.I have sufficient amount of money in my account and then using it in a limit, here guys your limit is important you can't purchase above your limit, if you have used your credit card above your transaction limit then you will face major problem dude.The first thing to avoid loan which are waste, so keep your card away.Now days many people are paying their bill lately and they have low credit score, so guys make payment on time so that you can get higher credit score. The above review is for credit card tips and I hope you guys like it.

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Many people thinks & believes that using of credit card might be risky as anyone will hack their account or anyone can use their credit card if card lost of theft and this is the reason that many people do not use credit card and not even intrested to use it & to take its benefit

. How can to you get benefits of credit card - credit can help you when u dont have cash in your wallet and you want to purchase something at that time you can purchase from the help of credit card . As a credit card holder you get facilty to purchase products on monthly emi payment option . You get benefits of discounts & cash back and many more when you use credit card .

How to use credit card safely - credit card is safe until it is with you and no one else know the password of your credit card .even if your credit gets lost , it is safe because the credit card is nothing without an password which only you know and no one else . As soon as you come to know that u have lost your credit card , you can file a complaint and can deactivate your credit card certainly .

Hope my tips was usefull for you .thank you

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Hello friends now I will give some tips on the uses of the credit card so basically now credit card has become the part and parcel of the everyday life credit card is allotted to us by the bank and we have to use it in the ATM any time machine so firstly we have to put our credit card into the machine and after that we have to select our Desire option and after that we have to put our four four digit pin number which is secret and which we should not share with anyone and after that we can we draw money easily by that at any place of any City so in the credit card uses are not advantage able but they are also good because if we are going to another City for any work then it it will e a risk to put the cash with us but it is a good thing to carry credit card and after that we can withdraw money but one thing we should remember always about that thing that we shouldn't tell our password to anyone and if by mistake If anyone had seen our password then please change it within the span of the minute because it is not good if anyone had seen our password so this is the aspect of using the credit card and there is not harmful uses of the credit card if we have our pincode is safely because it has too many advantages as if we can give the bill of the electricity and at any place now in this era in the small village also the cards are accepted because everywhere there is a swipe machine and after that we have to swipe and put the key or password is nothing hard and we can also do a net banking mobile phone as one time password come on our mobile phones and we have to give the this on number which is behind our ATM card so this is also good thing about the credit cards about the net banking and the credit card limit that we can withdraw only three time from the another ATM of the other bank and 5 in the Metro city and 3 in the non metro cities is the limit thank you very much for reading tips about the credit card

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I am using the SBI saving a personal account from past 13 years. Everybody goes with SBI backup due to its public and linked with Reserve bank.

When I opened the account there was no limited set of the account should hold. Later it was 1000 rupees. which was adorable by all common people.

When demolishing was going on in our country in 2016. Govt asked every small wages person to open an account from poor to poorest. Then there were no charges applied from govt.

Many people went with SBI as this bank have a good access in every corner of remote villages. After this changes don't.

The next ruled was to set up limit for rural was 3000k and urban 5000. This was very bad trick ran over poor people. All the urban people are not rich many works for daily wages around 1200 or less . Where would they afford of 5000 for the only reason they live in the urban city to fill they daily wages to fill they stomach from hunger.

This is really cruel

Next coming to rural places, where many are unemployed and farmers ignoring business people. How can farmer and other daily wages people in Village hardly earn 300 rupees per day?

From where they would get money to keep 3000k.

If this rule is not met monthly charges 80 rupees per month. From where the hell these poor people will go get the money 5000k and 3000k and pay 80 interest for not having min amount on.

Govt should protect especially people. not harsing like this. This Govt is going beyond the reach of normal people.

I am not sure where govt is helping poor and middle class people or exploiting us.

till date it was 235 cr where is this money is going to go. All the money is the blood of poor daily wages people.

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There are more chances, and high misuse in the case of credit card.To avoid this thing everyone should know the tips before using credit card.The main and important thing to avoid misuse of card is to link the mobile number with your card.Registering of mobile number helps to know our actual usage and balance credit limit to track our expenses and many more thing.

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Hi friends today iam going to review about credit card use.

1. Many of them dont know usage of credit card.

   
   




2. My friend received new credit card but he dont know how to use and all.

   
   




3. One day he went to office his family members took that card and swipped in a jewellery shop.

   
   




4. After that he converted to EMI 2 months he paid continously.

   
   




5. After that he thought automatically it would debited in his account but unfortunately it was not happened.

   
   




6. Last 3 months it was deducted and not paid the EMI. They called and scolded him.

   
   




7. Next month he paid total 4 EMI's at a time.he dont know the balance information and how much need to pay and all.

   
   




8. After taking credit card please collect all the details and how to use and all. Without any knowledge how it is possible.

   
   




9. Kindly Know about billing date and the statement generation date including statement balance.

   
   




10. If it is a small amount means we can pay entire suppose bulk amount means how we can pay impossible.

    
    




11. They will give 45 days time after swipping the card if not we paid the interest we have to pay very high.

    
    

My advice to all please do not use credit card. If we dont have money in hand it will use iam not saying that. You know the usage just proceed it otherwise dont use.

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Hello, today, I am going to give some tips on using a credit card. First of all, we should set up mobile alert in our mobile phone. If we do not regularly check our credit card account, we can automate the fraud detection process. Secondly, we should check our credit card statements and credit report on a ragular basis. In the next point, we should pay our balance every month.To illustrate, we should avoid paying interest on our credit card charges by paying the full balance each billing cycle. Furthermore, We should ask for a higher credit card limit. What is more, we should stay under 30% of our credit card limit. Lastly, we should protect ourself from credit card fraud because there is no foolproof way to prevent all the instances of credit card fraud and by understanding and adopting a few best practices can help reduce our risk.

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Hey guys, I am gonna share some tips with you on using credit card. Most of the people are using credit card these days for day to day purchases and it is a safe option. But you need to keep some points in mind if you are credit card user. You should pay off your balance every month, by doing this you can enjoy the benifits of using card without paying any interest. For this you should limit you expenses, you need to make purchases by keeping in mind that, you have to pay the full balance of the month and only use it for need. I suggest you to use your credit card only in emergency or for backup purpose.

Thank you.

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Having a credit card is not means that its an extention of our wallet. Most of us are uses credit very lavish and we are not bothering about the repayment money. We should realise that credit card is an only option to avoid borrowing money from some else in our critical stages. Now lets look into some points that may help to manage our buget and credit very carefully.

• First of all we have to kept our savings from our income by estimating the expenses which are going to be happened during the month. Don't think that the balance amount which we have after the expense is our savings. Its wrong. This will help to manage out credit behavour.

  
  




• If you have more money which you expected, the you should try to pay more than the amouny due on your credit card. Then it will make you free from liabilities. And you can save paying more interest.

  
  




• Try to pay the balance due on time otherwise bank may charge a late fee on you. That will increase your expenses.

  
  




• Continues visit on your bank website may help you to understand the promotional offers on your card. That may lead saving money.

  
  




• Make shopping very carefully through credit card. Because there is chance of making more purchases using the credit card. Use credit card only on the time of emergency.

  
  




• Don't share any details about your credit card to others. That may lead to misuse. Use credit card in online purchases very carefully. -

  
  




• -

  
  

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Hi,

Well, today I am going to talk about credit card usages and how efficiently we can use our credit cards. Using the credit card at right time can help you a lot. Use according to the time when there are lot of offers

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I want to share my five year experience of credit card. If you follow these four simple points, You feel lot of benefit from this and will not face any financial problems.

1. Use credit card amount limit as credit for fifteen to thirty days. You plan your monthly budget and purchase accordingly with card.

   
   




2. Respect credit card bill payment deadline. If you forgot to pay on time, you will suffer heavy interest as a penalty.

   
   




3. Don’t disclose your password/PIN to anyone.

   
   




4. Don’t purchase other necessities, because if they not return your card amount in time you will face financial burden.

   
   

Hope these four simple points can save you from financial problem in future

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Credit card is good to have although we all cant afford a credit card or banks wont give credit card to all his customers.

The simple and worry free use of credit card is very easy, you just have to understand few things like. 1. your billing date 2. your last payment date 3. your credit card charges 4. your bank's & card's terms and conditions.

Once we have understand the full calculation of credit card there in no others easiest way to spend your money . also you will get cashback reward points will all your credit card spends ( depends on your card category)

Just pay all your bills, utilities and shopping & all other thing and pay the bill within your due date after your credit card bill has been generated its that simple. no extra charges no hidden costs.

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Hello, Today, I am going to give some tips on credit card use. A credit card can be a very helpful financial tool. But if our spending gets out of control, monthly payments and accumulated interest can become a problem for us. I am using my credit card for last four years. I have not faced any problem with it. But some people can have many problem in using credit cards. By following this tips we can use our card carefully.

1. We should look for low-fee and low- interest.To illustrate, we should get a credit card with low annual fee and low interest rate and be sure to read your cardholder agreement.

   
   




2. We pay off our balance every month. We always make at least the minimum payment each month, but pay as much as we can each month. Whenever we can, we should pay off the entire balance. This will reduce our finance charges we pay.

   
   




3. We should use our card for needs, not wants. So, we should use our credit card carefully. Cards sould be used in emergency situations, such as a mobile phone bill that's due before your next payday.

   
   




4. We should stay under 30% of our total credit limit. That is a effective way to keep our credit card score healthy is to keep your credit utilization ratio under 30% .

   
   

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Credit card have both positive and negative side it is totally based on your use. when you do not use money for credit you should not buy credit card because credit card also have its rent. when your need for money for credit then you should buy credit card you should set the limit of credit money according to your use. you should not apply for higher credit limit when higher limit is not as your use. higher limit have more interest in credit card you should read all the terms and conditions when you apply for credit card.

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HI today I toking about tips on credit card use I thing in that time every one use the credit card because every one like to use the credit card I also really like to use credit card because when is brow the money for ever where so every one was sacred about money and sometime money was lose out than every one was upset about money but now the credit was really good for use every where so I thing every one like this comment thank you.

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Hello every one today use credit card but in this car 1 problem every one not withdraw from credit card money it is limit ti use this card but it is best because in this card save the money not any person stolen the money and it is best for purchase any things it use any place to buy any thing but when finish the money in credit card when every one in money back and return date is very fast but it is good

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It is very perfect service for people about the matter of money. Every person use this card everywhere, anytime for paying shopping money, petrol charges and many more.

And this time credits card are very useful for in caseless matters and in digital India.and I have also credit card and I am use this card for getting money through ATM and also adding money from Bank to paytm application. And in coming future every person use this card for pay the due money, shopping money and online money. So, my friend my finally advise is that you also use your credit card for paying money and aware your neighbour for the importance of credit cart. Thank you .

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Hey friends today I'm going to share my personal experience about credit card. Me using Axis Bank credit card and debit card of axis sbi and UCO bank. But here I'm going to explain about how to use credit card in a good way so that we don't feel it to be costlier interest rate and all other charges.

Credit card and debit card we can also say plastic money is a very good pocketable money carrying mean and this is great.

But when we talk about a credit card then it is a pocket loan that the bank grants it's reputated customers and the whom they belive.

There is benefits then some loss to use a credit card but we can't say it to be loss because the charge is applicable as per your use of the card.

Now when we buy something from credit card then we should keep in mind the date when the bill is generated every month, and the date when this bill is generated we are granted extra 20 days for the payment of bill and thus when we calculate then it's clear that if we use credit card day after the bill generation date then we get 50 days to pay the bill and a person may know how and when to pay the bill before using the card because everything is factual if we don't pay the bill then there is more and more charges applied as much delay we do .

For our convenience credit card company gives us a secondary option to pay the bill on installment and that depends on person to person how to use it.

Hit like if you find it helpful.

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Hello friends. Today I will be sharing some good tips to credit cards for your betterment. Credit card of any bank which you possess is also called a plastic money. Easy to handle and carry in your wallet. In today’s demonetization, credit card plays an indispensable role for your shopping and to meet daily needs. Friends, we all use credit cards but it should be used wisely and sensibly because human temptation is unlimited. The first and foremost thing to be remembered is, never to share or write your credit card pin on a piece of paper or somewhere else. keep it in your mind. Do not make habit to your children of using your credit card for their expenses. Children do not know their limits and they are unaware of the credit card frauds and very importantly by doing so we are responsible to make their habits worst. Many of us give our credit card and it’s pin to the hotel waiter to make the payment. We do so because we are the regular customer of that particular hotel and we know hotel staff very well. Stop this practice. Ask the waiter to bring the credit card payment machine on your table or take some trouble of getting off from your chair and pay the bill at the counter of a hotel. If you do not do so, such practice may lead to misuse on your credit card and will lead to credit card fraud. If you report such credit card fraud instances to your bank for fraud claim and bank will not entertain you after confirming the fraud as genuine and it would be a great financial loss for you. And if you keep reporting such credit card fraud to your bank, a bank can stop your credit card services and you might spoil your CIBIL score. Secondly keep your credit card safe at your work place. There are many incidents have happened in the past where the credit card is stolen in office and misused by an office colleague. Credit card statement get generated on monthly basis on a particular date and later we receive a paper statement copy or E-statement and also we receive an alert text message before a due date of the payment. If you do not receive your paper statement of your bill in time, check your E-statement. If you do not receive any of them please call the customer care of credit card bank and make inquiry of the same. So it is our primary duty to keep an eye on our monthly statement if there is any payment due. Very importantly now, make full payment of your credit card bill to the bank. Every bank gives us an option to pay the credit card bill in full payment or minimum bill payment. Advisable is to pay the full credit card payment. Many people do not know with the minimum credit card bill payment, a bank starts daily interest charges or penalty on the card till the next bill get generated. Lastly make your credit card payment online safely wit OTP. Its your credit card and your are the master of this card. I hope you got enough tips on a credit card and hopefully you will inculcate these tips to your credit card. Take care.

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