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Home >> Home Loans >> Credit Cards in India>>Credit Card Tips For The Users
Credit Card Tips For The Users In IndiaUsing a credit card is…of course a comfortable aspect in our life but one must be too sure about how effective a card can be friendly to him / herself. Creditmela.com offers here some of the important tips for the users in India to get to know about the facts how one can use it in a best way. While buying a product through the phone or mail order, one must be sure to note all the relevant details very vigilantly. Take a note of the name of the person who spoke to you as well as accurate amounts as these will be necessary in the case of a disputed billing statement. Its better always go for a credit card on which your photo is printed as it may be serving as an identity card too. Do not ever make a payment of disputed amounts till corrections are made in the billing statement. Different cards come with different sets of norms for the users. To make sense of these differences and make a meaningful comparison between one card and the other do not look only at the rate of interest charged on revolving credit. American express cards and Diners cards are high-end charge cards usually meant for exclusive outlets. Check before using either at any outlet. When using your ATM number, make sure no one sees you punch in your PIN number. If you lose your credit card, call and inform the card issuing authorities and make a police complaint as well. Check your credit card when it is returned by a merchant; make sure that it's your card that he has returned. Different cards have different billing cycles. If you have access to different credit cards you can make use of the free grace period provided by card companies to get a longer grace period for yourself. As far as possible, try and be present when the impression of your card is being taken/ the dial-up is taking place to ensure that there is no misuse of the card. Always verify purchases with your billing statement. Settle your bills on time. If you have a good credit history credit card companies may give you an increased credit limit, if requested by you. |
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