Factors that Might Make Your Credit Card Application Waiting

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If you’ve ever applied for a credit card and waited weeks or even months for a response, you know how frustrating it can be. Several factors can delay the approval of your credit card application, and understanding these factors can help you avoid the waiting game and get the credit you need more quickly. We’ll take a look at some of the most common factors that might cause your credit card application to be delayed. Credit score One of the primary factors that credit card issuers consider when evaluating applications is the applicant’s credit score. If your credit score is low or if you have a limited credit history, assess your application and decide whether you are eligible for the card, the issuer might need more time. To avoid delays due to your credit score, check your credit report before applying for a card. Every year, the three major credit reporting agencies will provide you with a free copy of your credit report ( Equifax, Experian, and TransUnion). Examine your re
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Best Credit Cards For This Diwali Season

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Diwali is not just a festival in India it is an emotion. The positive vibes, the beautiful lights, new clothes, gifts, all this sounds heavenly, only if it was not for the lengthy expenses list. In this time and moment having a backup where you can put all your expenses is like a shoulder you can lean on. Credit Cards may help you in this situation, not only can you put all your Diwali expenses on your credit card without upsetting your budget but during the festive season, all credit cards offers amazing deals and discounts on all your transactions.

Here under are some Best Credit Cards for this Diwali season

SBI SimplySAVE Credit Card:

The SBI SimplySAVE Credit Card is a trustworthy credit card that functions really well for everyday spending. This card's perks involve the opportunity to save money on basic everyday purchases & earn big rewards through them.
Joining fee: Rs. 499
Annual fee: Rs. 499

Benefits:
  • Spend Rs. 150 on restaurants, cinemas, groceries, and retail store transactions to earn 10 reward credits.
  • Rs. 150 spent on some other areas will earn you one reward point.
  • Transform purchases exceeding Rs. 2,500 into convenient EMIs using Flexipay.

SBI SimplyClick Credit Card:

If we are talking about the best credit cards for Diwali then you just can’t miss SBI SimplyClick Credit Card, if you enjoy shopping, the SimplyCLICK SBI Credit Card needs to be in your wallet. Amazing discounts are available on your shopping purchases. This card offers additional benefits like fuel surcharge waivers, superior protection, welcome gifts, and exceptions of annual fees in addition to quicker purchase advantages.
Joining fee: Rs. 499
Annual fee: Rs. 499

Benefits:
  •  Users can earn 10X points on their digital transactions through exclusive partners like Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds.
  • For every Rs. 100 spent on some other purchases, receive 1 reward point.
  • When you sign up, you'll get a Rs. 500 Amazon gift voucher.
  • Using the balance transfer feature, it is possible to move unpaid balances from another bank credit card to the SBI SimplyCLICK Credit Card at a lower charge of interest.

HDFC MoneyBack Credit Card:

HDFC bank credit cards can assist you in saving money on your Diwali shopping because they all provide fantastic bargains during the holiday season. For instance, the HDFC MoneyBack Credit Card is a well-known basic credit card that enables you to get cashback on practically all of your purchases.
Joining fee: Rs. 500
Annual fee: Rs. 500

Benefits:
  • 500 Cash Points are offered as a joining bonus at the time of signing up.
  • Upon each Rs. 150 spent online, you earn two times as many bonus points.
  •  The points can be redeemed for cash back or applied to the outstanding balance. It can also be used by users to make purchases from the online catalog.

HDFC Bank Freedom Credit Card:

One of the best credit cards HDFC Bank offers is the Freedom credit card. This credit card offers a variety of perks and advantages, including rewards for expedited reward points plus advantages in plenty of other areas like retail and gas.
Joining fee: Rs. 500.
Annual fee: Rs. 500.

Benefits:
  • Receive 5X bonus points on purchases made for meals, groceries, train tickets, taxis, and cinema.
  • A Rs. 1,000 giftcard for annual expenses exceeding Rs. 90,000.
  • EMI purchases made at participating retailers get 5X CashPoints.

Amazon Pay ICICI credit card:

If you use amazon to purchase almost everything during Diwali or if you are a regular amazon customer then this card will benefit you the most. This card offers great cashback on your transactions while offers amazing deals.
Joining fee: Rs. 500
Annual fee: Rs. 500

Benefits:
  • Through the Amazon Pay ICICI Bank credit card, you can get a 5% immediate savings amounting to Rs. 750 as well as up to 5% reward credits.
  •  Customers who buy things on Amazon costing Rs. 3,000 or more are given a cost EMIs option. The only available terms for free EMIs are three and six months.
  • Airline reservations, recharges, bill payments, gift voucher purchases, and expenditures at Amazon Pay associate retailers all qualify for 2% cashback.
  • Users receive a fixed portion of the purchase price as cashback when they use the Amazon Pay ICICI card, with no upper limit. The rewards that you accrue on your Amazon Pay account also have no expiration date.


Bottom Line:

During the holiday period, it's often a smart option to establish a plan in order to avoid blowing up your wallet. Under such circumstances, it can be a privilege to find anyone who can offer assistance. Credit cards provide consumers with this option. You can buy items that you desire and enjoy Diwali like it is meant to be enjoyed, tension free, and happy.
 

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