Credit Cards are an old story now. For every third person on the street own a credit card. The most basic credit cards most of us know about are Silver, Gold, Platinum and Titanium cards. These categories of cards have been with us since the time credit cards were first launched in India. But that was 20 years ago, in the 1990s. 20 years down the line, scenario in the credit card industry has changed a lot.
Credit cards as an industry have categorized. Just like a tree, credit cards too have spread their branches. The categories have increased with cards like Women's, Corporates, VISA signature, World Master, Business and Students credit cards. These credit cards are designed to suit the different requirements of different class of people.e.g. The women's credit card. This card is specifically designed to meet the needs of a woman ? parlor, hospitalization, medical expenses, grocery and mobile billing, fuel expenditure. This card also includes personalized services like movie tickets purchase, home appliances repair, school fees payment, home delivery of flowers, cakes and so on. It also includes payment for emergency services like doctor and calling cabs etc.
These kinds of cards, which are specifically designed to meet the requirements of a specific class of credit card customers, are more specific in their deliverance of tasks and customer service. These are also good from the credit card holder's point of view as these meet the demands and requirements of the holder.
Recently, Kotak has launched it range of new credit cards. These cards are ? Trump Gold Card, Premium League Card, Fortune Gold Card and Royale Credit Card. Each of these are designed meeting the suitability of different kind or class of people. E.g. Trump card is made specifically for the shoppers; fortune gold for the businessman; league platinum for the higher class of businessman and traveler and Royale for the exclusive ones who walk on the red carpet all the time.
Already termed as the product of the year, these cards offer exclusive benefits which at present no other cards are offering. These cards are definitely, cut above a class, meant for the cream and deliver the cream?
Primarily, if you are particular about your privacy and would like to sign up with a World Wide Web credit card company that treats your personal details with the real respect, then look for a credit card company on the World Wide Web whose website www address begins with https; this is certainly a clue that the site is safe.
You have the choice of meeting the minimum payment of the total cash billed to you by your credit card company if you are unable to pay the total amount; still, meeting the minimum payment makes you eligible for an interest rate charge on the rest of the capital.
Chase Credit Card company is a credit card brand owned by JP Morgan Chase & co, a pacesetting general monetary services firm; it is a highly well known credit card company that creates many credit cards with many vantages which cut across all layers of the population.
If you are unable to meet your credit debts on account of the fact that you are too far behind in payments, you stand the risk of facing bankruptcy and may well loose a considerable chunk of your assets in the bid to pay off your debts; so tremendous tending is important when utilizing your credit cards.
A reason as meager as filling in a credit card application form with the inappropriate information can deprive you of a credit card as you may well be rejected by the credit card firm.
Credit card debt consolidation is also called balance transfers as it involves the transfer of various debts from several credit cards to a brand new credit card or credit cards.
Bad sorts of credit cards are ordinarily called debit credit cards simply because they function much more as a means of payment rather than a means through which debts are incurred.
Secured credit cards, also known as bad credit cards are as well known as their credit card counterparts and give credit card debtors a likelihood to be free of debt and still use a credit card.
A very good credit card deal is a relative expression which is used to describe the procurement of a credit card that matches what the consumer wants; it's easy to get a very good credit card deal by extensively ferreting through the ones that are available.
To finish up, credit cards come with various offers like points or earning that come in percentages and are gotten when you make certain purchases at stores or supermarkets; knowing this can help you make the appropriate decisions.
Both Heenu & Mike Strom are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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