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According to the Reserve Bank of India, 18.57 million people used credit cards back in 2013. This figure increased to 41.03 million by mid-2018. The rising figures show how swiftly cashless transactions are taking over the market. That is why; different financial companies are providing beneficial offers on credit cards.However, so many choices and their utilities in the market often confuse prospective individuals to avail the best credit card.  A credit card does not aid only in online...
Hi, it is a fact that due to the popularity of the Internet, cybercrime is increasing day by day. And the way credit card scams are emerging, we should worry about it, Although it is not completely safe to use credit card online but you can protect your card by following 9 simple tips.   Tip 1-Shop only from a trusted Shop: There are a lot of e-commerce sites to shop from. but it is always better to shop from the trusted one and stick to one. Also, you can check the SSL(Secure Sockets...
Credit cards are generally referred to as debt traps. The dangers of possessing a credit card is well known. In addition to paying the credit amount along with interest, there are multiple charges levied. If a credit card is not properly handled, the credit card holder can rack up huge amounts of debts which can cause damage to the person’s credit score. Despite there being many disadvantages to owning a credit card, there are ways by which the card holder can save money from it as...
In recent times, online payments have taken over the cash payments due to their ease. People do not feel safe to keep cash with them due to increasing cases of burglary and theft. Increasingly, people have shifted their focus to using plastic money like credit cards and debit cards. Merchants have also changed their focus to providing safe and secure transactions to the customers. Online payment gateway ensures that the online purchases made by the customers are safe. Doing this also helps the...
If you own a credit card or planning to take one, you need to be clear of its use. Since using it wisely can help you manage your finances better while its careless use can also land you into big troubles. You might have been familiar with several cases, be it your neighbors, friends, or relatives. The reason for it is rising inflation has lead to household income struggle for long. People have started using a credit card offers more instead of cash and hence spend more than that they have...
A Credit Card is a tool which helps its user in carrying out instant cash transactions on a credit basis. It is based on the promise of the cardholder to pay the entire amount spent through the Credit Card at the end of the billing cycle to the issuer of the Credit Card, or with additional charges post the bill date. A Credit Card is quite different from a Debit Card wherein your expenses are directly linked to the balance in your account. Instead, a Credit Card works on the concept of...
The number of individuals carrying more than one credit card is growing at a staggering pace in the country. The need for another card may arise from the desire to have a higher spending capacity, the idea to improve one’s credit score, the desperation to settle the debts on the existing card(s)) through the balance transfer facility, and several others.  Prominent benefits of getting another credit card  Access to a higher credit limit: If you are struggling...
While ideally staying away from debts is the best way forward, this may not always be possible. Most of us are living in a world, where we are barely able to manage between expenses and income. In such situations, it is quite apparent that we might need to look for borrowed funds for various reasons. It could be for a medical emergency, a sudden travel, buying a mobile phone, or some other consumer durables or even for booking a dream car and much more.   Hence, whether it is desirable...
Gone are the days when people used to stand in long queues at the stores to make the purchases. It was frustrating and time-consuming. Also, people had to pay higher by shopping at malls or stores due to overhead costs of the retailer. But today, the way of shopping has changed completely. Almost everyone today prefer shopping online for obvious reasons, it is easier, convenient, less time consuming and cheaper. With so many people shopping online today, the smart way to make purchases is via...
Credit cards give you various rewards, and benefits and so many of you avail of multiple credit cards to maximize the reward earnings on your transactions. However, credit cards come with considerable interest rates if the dues are not cleared on time. That is why when you have too many cards to handle, you might want to close one or two of the cards which are not being used frequently. Closing a credit card application is not a big deal. You can do so whenever you want. If you are confused...
Providing consumers with a lot of payment options makes it easier for them to shop and pay for goods. If you still limit customers to cash payments, then that could be why you've got poor conversions and sales. Here’s how getting a Credit card processing system can help your business. Convenience With a Retail credit card processing system, you can now accept payments via credit card. That makes it so much more convenient for your customers to pay for your products. If you have a...
If you are a small business owner, you understand the importance of credit card equipment leasing. By purchasing equipment, it will affect your substantial cash flow. This equipment leasing will also keep your business functioning at optimal performance also to meet increasing demand. This equipment leasing concept is we will lease equipment for a specific period of time as per the merchant’s option. Once the contractual time got over, we must return the equipment. This is also...
When you are facing a low credit score, there are a lot of ways that you can follow to improve your credit. One of the best ways is to use a credit card to improve credit. When you are using a credit card, there are various factors that are going to have an influence on your credit score. So, if you get a credit card and you are using it regularly as well as responsibly, then it is the best and the quickest way to build or rebuild your credit score on time. You just have to get the credit card...
    Royal Debit released a new article highlighting upcoming payment trends and technology which willl gratly influence the world of commerce, we've attached it here.  Every year we complete more than 3 million debit and credit card transactions for businesses just like yours.Don’t lose another sale, get your business payment ready with us today. ---------------------------- The fast-paced world of technology and commerce is always changing. This motivates...
The idea behind personal loan balance transfer to a credit card involves transferring the unpaid principal loan amount from one bank to another to get an either a decreased rate of interest or an increase in loan repayment tenure or maybe both. Thus the burden of debt on the borrower can be reduced considerably through this process. A balance transfer is not advisable when only a few years remain in the repayment schedule, and more than half the loan amount has been settled already. Some other...


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