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Showing posts from December, 2022

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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Tips To Improve Credit Score With A Secured Credit Card

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  If your credit is poor, then you’re looking for strategies to improve it as soon as possible. Consider using a secured credit card to establish credit. With secured credit cards, you may get a limited credit line in return for a reasonable, refundable security deposit. If you don’t have a lot of credit history or a high credit score, secured cards are one of the most significant ways to establish credit. With secured credit cards , you may get a limited credit line in return for a reasonable, refundable security deposit. Secured cards are one of the best ways to build credit if you have a low credit score or a limited credit history. But you should know how to utilize a secured credit card to build credit if you want to make the most of these credit-boosting tools. What is a Secured Credit Card? Many advantages and safeguards of a standard credit card are available with a secured credit card, but you must make a security deposit first. Why? Well, Lenders may be worried that y
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Features Of IndiaOil Citi Credit Card

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One of the top fuel credit cards in India is the IndianOil Citi Credit Card . Users of this credit card receive Turbo Points as rewards, which are redeemable for free fuel at approved IndiaOil fuel stations and never expire. This card is a wonderful option for everyday spending because it also offers additional benefits on grocery purchases. You may learn all about the Citi IndiaOil credit card in detail below. Features and benefits of IndianOil Citi Credit Card With this credit card, you may collect up to 4 Turbo Points on your fuel purchases and later exchange them for free petrol at a rate of 1 Turbo Point = Rs. 1. Here are some of the details are as follows: Receive 4 Turbo Points for every Rs. 150 spent at an Indian fuel station. 2 Turbo Points per Rs. 150 spent on groceries and at the stores. 1 Turbo Point per Rs. 150 spent on all other categories. Best For Fuel Benefits Joining Fee Rs. 1,000 Renewal Fee Rs. 1,000 (waived on the yearly expenditure of Rs. 30,000) Welcome Benefit R
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Avoid These Mistakes While Using A Credit Card

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Although a credit card is a valuable asset, using it improperly can result in significant financial loss. You might need to pay high-interest rates for carrying an outstanding balance. Late fees also apply when payments are missed. Not only this, but your credit score will also suffer if you delay payments, or close a credit card. However, developing the habit of using your credit card properly is not difficult. You can save money while establishing credit and perhaps even some nice benefits along the road, provided that you are responsible enough. When you use your credit card to make purchases, you can also receive reward points, cashback, and discount coupons. The credit card company offers interesting prizes and gift cards that may be redeemed for these reward points.  You must be aware of how to use your credit card to prevent fraud. Following are some frequent credit card mistakes you must never make. Mistakes to avoid while using a Credit Card: Applying for several cards too fr
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