Credit Card – Instant credit card service provider company

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Overview

In the current age it is now not practicable to hold a thick stack of financial institution notes and rolls of coins in one’s wallet not simplest from the safety angle, however also from the point of view of comfort. With respect to these troubles, credit score cards, additionally referred to as plastic money, offer a feasible opportunity and its use is on the upward thrust. Apart from imparting a good deal wished alternative to coins, credit score playing cards additionally reward you prices made the use of them. As an end result of the huge call for plastic currency, there are options aplenty available from main banks.

There are hosts of credit cards within the credit score card’s marketplace having special features and benefits linked to them. The most famous credit cards on the offer include, entertainment credit cards, fuel cards, co-branded cards, cash-back credit cards, student credit cards, women credit cards, travel credit cards, lifetime free cards, premium credit cards, Business credit card, Global credit card and low interest credit cards.

The Difference between Credit Cards and Debit Cards

The basic difference in a credit score card and a debit card is that in case of a debit card, the cash that is used while making purchases or bills is your own money, while in case of credit cards, the cash you spend is money that you have borrowed, that you are required to pay back to the bank before the stipulated due date. Using this  card is not unlike taking short time period, zero interest loans (if repaid before the due date). Another difference among these cards and debit playing cards is that the usage of a credit score card also helps credit card holders build up a credit score history, which can add to or negatively affect your CIBIL score, based for your payment records.

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How do you use a Credit Card?

A credit card organization enters into agreements with numerous traders for them to accept their credit cards. The credit card issuer problems a credit score card to their customer. When a bank issues a credit card, a revolving credit line is created for the patron and this line of credit score may be used by the card person to make purchases or to get cash advances (the use of your credit score cards as ATM cards)when using the card. The card holder then gets a monthly bill that can be paid off before the due date without incurring any interest for the use of the credit furnished by means of the card company. When a purchase is made, the cardholder is basically agreeing to pay the card issuer the amount that has been incurred, at a later date.

While making a purchase, the card holder has to both swipe the magnetic strip of the card on a card machine at the shop. The merchant replica of the receipt generated needs the card holder’s signature for validation. Newer cards feature the extra at ease chip and pin device, in which the chip on the card is read by way of the merchant’s card system and a four or six digit pin is needed to complete and validate the transaction.

Apart from using the card via physical presentation, as discussed above, the booming online shopping industry has also benefited hugely through the ubiquitous availability of credit cards. Key details required for completing an online transaction the usage of a credit card includes the card number, the card expiry date, the CVV number at the returned of the card and a unique transaction password or one time password sent to your registered mobile range.

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Benefits

Add-on cards typically enjoy the equal credit card reward programs as the primary cards. This however, might also range with each issuing financial institution, however the basic benefits are

  • Use : Most credit cards allow the card holder to use those cards in India as well as in foreign nations for accomplishing numerous transactions like purchasing. Supplementary credit cards too offer card holders the equal advantages. Both online and offline shopping can be done with add-on credit cards.
  • ATM facilities : The withdrawal restriction set on a supplementary card may be the same as the primary card, or it might be less. But supplementary cards to have the option for cash advance. This means that the card holder can withdraw cash from the ATM at anytime of the day.
  • Reward points : Reward or bonus points are delivered in your account each time you swipe a credit card. After you’ve got gathered a certain amount of reward points you could avail an advantage or boost out of your bank. All supplementary credit cards also have the same functions, the same amount of reward factors are given for subsequent swipes, as is the case with the primary card.
  • Monitor Usage : Monitoring the usage, spending habits and transactions made through a supplementary card is very smooth as all cards are basically underneath the same account.
  • Independence : Supplementary credit cards given to children or maybe parents offer them with financial freedom. These cards are also very useful in case of emergencies.
  • Easy tracking : All transactions of supplementary cards and primary cards are recorded in the equal statement. This can assist the card holder in easy tracking.

Eligibility Criteria

The eligibility for a credit card differs from provider to provider. However, the primary standards are as follows

  • You should be at least 18 years old

  • Whether salaried or self-employed, you must have a regular source of income to pay back your credit card bills (minimum income bracket differs from one card to another). You should have a savings account in your name

  • You should have a savings account in your name

  • You must not have a bad credit history

We are one of the best credit card provider in India. You may apply online at www.indexiafinance.com.

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If you are looking for any kind of credit cards in Mumbai, Delhi, Chennai, Kolkata or any city in India & US, Indexia Finance is there to help you at your doorstep with zero joining fee for credit card as per customer needs.

Required Documents For Credit Card Loan

The documentation requirement also varies from issuer to issuer, some key documents required to apply for a credit card are as follows

  • Identity and signature proof-Passport, PAN card, Driving Licence, Voter ID card, Aadhar card, employee identity card in case of government employees.
  • Address Proof-Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving Licence, telephone/ electricity/ water/ credit card bill or Property tax.
  • Age Proof-Voter ID card, Secondary School Certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.

Income proof for Salaried Individual :-

  • Latest 3 months’ salary slips
  • Salary account bank statement for six months

Income proof for Self-employed businessmen / professionals :-

Latest IT Returns with computation of income and other certified financial documents Business continuity proof.