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What factors should I consider when choosing a credit card?क्रेडिट कार्ड चुनते समय मुझे किन कारकों पर ध्यान देना चाहिए?
Look at interest rates, annual fees, rewards, cashback, joining perks, credit limit, and hidden charges. ब्याज दरें, वार्षिक शुल्क, पुरस्कार, कैशबैक, स...
Mon, 17 Feb, 2025 at 12:44 PM
A secured credit card requires a security deposit (collateral), while an unsecured credit card does not. सिक्योर्ड क्रेडिट कार्ड के लिए सुरक्षा जमा (संप...
Mon, 17 Feb, 2025 at 12:44 PM
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What is the minimum income requirement for a credit card?/क्रेडिट कार्ड के लिए न्यूनतम आय कितनी होनी चाहिए?
It varies by bank and card type. Premium cards require higher incomes, while entry-level cards are available with lower income proof. यह बैंक और कार्ड ...
Mon, 17 Feb, 2025 at 12:44 PM
Yes, multiple applications in a short time can temporarily lower your credit score. हां, कम समय में कई आवेदन करने से आपका क्रेडिट स्कोर अस्थायी रूप से ...
Mon, 17 Feb, 2025 at 12:44 PM
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What is the interest-free period on a credit card?/क्रेडिट कार्ड पर ब्याज मुक्त अवधि क्या है?
It is the period between a transaction date and the payment due date, usually 18-55 days, during which no interest is charged if the bill is paid in full. ...
Mon, 17 Feb, 2025 at 12:44 PM
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What happens if I pay only the minimum due amount?/यदि मैं केवल न्यूनतम देय राशि का भुगतान करूँ तो क्या होगा?
You will avoid late fees but will incur interest on the remaining balance, which can become expensive over time. आप विलंब शुल्क से बच जाएंगे लेकिन शेष ...
Mon, 17 Feb, 2025 at 12:44 PM
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Can I get a credit card with a low or no credit score?/क्या मुझे कम या बिना क्रेडिट स्कोर के भी क्रेडिट कार्ड मिल सकता है?
Yes, banks offer secured credit cards against fixed deposits for those with no credit history. हां, बैंक उन लोगों के लिए सावधि जमा के बदले सुरक्षित क्र...
Mon, 17 Feb, 2025 at 12:45 PM
Cashback reduces your bill amount, while reward points can be redeemed for gifts, discounts, or flight tickets. कैशबैक आपके बिल की राशि को कम कर देता ह...
Mon, 17 Feb, 2025 at 12:45 PM
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Are there any hidden charges I should be aware of?/क्या कोई छिपे हुए शुल्क हैं जिनके बारे में मुझे जानकारी होनी चाहिए?
Check for annual fees, late payment charges, foreign transaction fees, over-limit fees, and cash withdrawal charges. वार्षिक शुल्क, देर से भुगतान शुल्क,...
Mon, 17 Feb, 2025 at 12:45 PM
Yes, banks allow limit increases based on your income, spending habits, and credit score. हां, बैंक आपकी आय, खर्च करने की आदतों और क्रेडिट स्कोर के आधा...
Mon, 17 Feb, 2025 at 12:45 PM