If you own a credit card, you really need to know how to handle it in a smart way. Using a credit card does not mean that you can go over your credit limit. One should understand the difference between…
We frequently choose to utilise a credit card when we have an urgent financial requirement, mainly due to us not having the funds at that moment. We may also be using our credit cards to meet our monthly bills, which…
With the outbreak of the COVID-19 pandemic, installment payments have exploded in popularity along with a normal surge in online shopping. Among this installment, we are commonly hearing the term buy now pay later which is becoming increasingly popular with…
Struggling to repay you Credit Card Debts? Seek help from Specialist Credit Counsellors and Debt Management Advisors Have you wondered why credit card money is easy to spend and difficult to repay? Having a credit card has become an important…
What debt counselling can offer me? People suffering from major debt crises can gain financial literacy and freedom through debt counselling. Let us understand what debt counselling is and what it offers. What is Debt Counselling? Debt counselling is a…
The Reserve Bank of India (RBI) has declared February 14 to 18 as financial literacy week in order to promote financial education among the public. The program is aimed at educating the general public on the importance of financial literacy…
Receiving repeated calls, messages or visits from a bank recovery agent can become stressful, especially when you’re already dealing with financial pressure. However, recovery agents cannot use intimidation, harassment or public humiliation to recover overdue dues. RBI guidelines require regulated…
In India, consumer rights have been disregarded for a long time, especially when collecting outstanding dues like bank loans and credit cards. There are numerous cases of oppressive and illegal conduct by recovery agents attempting to collect pending or missed…
Your credit score is the most important factor affecting your future purchases. This three-digit number indicated your creditworthiness or the likelihood that you’ll repay money you borrow. It is generally considered that a credit score in India ranges from 300…
