Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow.

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If you would like to improve your credit score, there are a number of simple things that you can do. It takes a bit of effort and, of course, some time. Here’s a step-by-step guide to achieving a better credit score. 

Click here to get full information about How to Improve Your Credit Score

Why Does a Good Credit Score Matter?

A good or excellent credit score will save most people hundreds of thousands of dollars over the course of their lifetime. Someone with excellent credit gets better rates on mortgages, auto loans, and everything that involves financing.

1. Review Your Credit Reports

To improve your credit, it helps to know what might be working in your favor (or against you). That’s where checking your credit history comes in.

2. How often should you check your credit score?

You should check your credit score regularly to check for errors, but make sure that you are doing so through soft inquiries so that your score isn’t dinged. 

1. Check your credit score to see why it is low.
2. Pay down your revolving credit as much as possible to lower your credit utilization percentage.
3. Have any inaccurate things removed (especially late payments).
4. Be added as an authorized user to an old account with perfect payment history, ideally with a low utilization rate. Ideally, this is done by a friend or relative, and they do not even have to give you the card. You can also pay certain credit repair services that will broker a deal between you and a stranger to do this.

Owning a Credit Card is a boon in many ways. If you are struggling with a shortage of cash or want to buy an expensive gadget or require immediate funds for an emergency, a Credit Card will always be helpful. Know the reasons why you should have a Credit Card.

A Credit Card is an easy pay-back option. It allows you to shop for goods and services without any requirement for cash or credit. Right from daily spending, fine dining at restaurants, and grocery shopping to luxury purchases, it takes care of your expenses.  

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If you’re a frequent shopper, then here are five reasons you should have a Credit Card:  

• Credit score: The major benefit of having a Credit Card is it helps you build your credit score. If you are making a timely bill payment, it creates a positive impact on your score. Further, a healthy score is key for making you eligible for loans.
  
• Cashbacks rewards points and discounts: Every time you make a purchase using a Credit Card, you earn a reward point or a cashback or discount offer. To make the best use of the benefits, you should choose a card that suits your lifestyle and spending pattern.  

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• Avail Personal Loan: If you have a Credit Card, you can avail a Personal Loan, instantly. If you’re already an existing Credit Card user at ICICI Bank, the Bank offers you a loan on the card after evaluating factors like spending, transaction pattern and payment history.
  
• EMI facility on cards: In case you are making a big-ticket purchase, you have the flexibility to make a Credit Card bill payment through EMIs. For instance, ICICI Bank offers No Extra Cost EMI on ICICI Bank Credit Cards, for big or small purchases.
  
• Protection cover: Credit Cards offer protection cover that saves you from unpredictable losses. The insurance cover can be used in the event of a theft, loss, fraud or an emergency. The premium amount and cover features, differ from card to card. 

The benefits of owning a Credit Card are many but you also need to be responsible while using it. Frequent usage of the card can lead to unwanted debt. If you have a Credit Card, you must have the discipline of paying your bills on time; else you could face penalties and high interest charges. 

If you prefer using Debit Cards or Credit Cards for making regular and frequent transactions, you enjoy a host of benefits. Apart from greater ease of utility and convenience, one of the most popular advantages of using a card is the Reward Points. Reward Points are points or credits accumulated in your name for a specific frequency or volume of transactions.

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Every time a person uses a Debit or Credit Card for a particular transaction, the Debit or Credit Card company earns an ‘X’ amount called an 'interchange' fee. This fee is received from the merchant outlet. It often varies from 1% to 2.5%, and the outlet can also choose to negotiate a lower fee if the volumes are high.

Reward Points are basically used to encourage you to make greater use of Credit Cards and Debit Cards. Once you accumulate specific points, you are given a reward or certain benefits. These benefits are often in the form of discounts or cash-backs. 

How to redeem Reward Points?

Once you win specific Reward Points, it is important to redeem them. Usually, Reward Points are easy to redeem. They can be redeemed online, following an easy procedure.

Some banks also allow you to accumulate the Reward Points earned on the Credit and Debit Cards, belonging to the same bank, in one pool and you can redeem them together.

If you want to redeem your points with HDFC Bank, here are a few steps to follow-

• Log into your NetBanking Portal/Account on the HDFC Bank website.
• Once logged in, click the ‘Cards’
• Then click on the ‘Enquire’ tab in the Debit Card section.
• Once you are taken to the next page, click on the ‘Cashback Enquiry and Redemption’ tab.
• Select the account number for which you want to redeem the points and Voila! You can redeem the Reward Points.

If you’re considering applying for a credit card, here are 5 reasons why you should choose IndusInd Bank’s Easy Credit Card

For many of us, a credit card is an absolute necessity today. Apart from giving you access to instant credit for small and big-ticket purchases, it also helps you build a solid credit history over time.

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With a credit card, you can also save a good sum of money every month in the form of discounts and other deals. But, to enjoy these benefits, you need to select a card tailored to suit your needs. IndusInd Bank is an institution that offers credit cards that meet all your needs and aid your financial wellbeing. With its new Easy Credit Card, the bank delivers an even superior experience to its customers.

Click here to know why you should choose Induslnd Bank's easy Credit cards.

1. Ease of application:

Don’t want to visit a branch or submit hefty paperwork for getting your credit card? Why should you! With IndusInd Bank, you can apply for a card online in easy steps.

2. Higher limits:
As a credit card offers an interest-free loan for a fixed period, several individuals look for one with a high spending limit.

3. Diverse perks and privileges:

Other than completing payments seamlessly, you can use your credit card for a number of other purposes.

4. International Acceptance:

The IndusInd Bank Easy Credit Card is a globally accepted card. You can use it for all your foreign transactions.

5. Relaxed eligibility criteria:

IndusInd Bank offers its credit card on easy terms and conditions. All you need is a permanent residential address and a stable monthly income.

Opening the envelope that holds your credit card is always an exhilarating experience. To tear the seal & open the letter that holds your maximum credit limit is an exciting task for every individual. 

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1. Activate your card

The first step is activating your card, which is an easy 2- to a 3-step process. You must simply call the given number & authenticate your details. These days you can also receive an OTP on your registered mobile number to set your card PIN. 

2. Destroy old cards

In case this new credit card is an upgrade from the bank or opted by you, destroy the old card by cutting through the magnetic strip.  

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3. Read the rules & regulations

Apart from the blessed document that holds your card & its limit, there are other documents that are a part of the kit. Ensure a thorough read through them all as they enlist the rules & regulations that you are liable to follow.

4. Spend within your limits to pay within your comfort

However high your credit limit may be, make sure that you hold your horses on the expenditures. To make sure that your credit score is not hampered, make full payment of your credit card dues every month.

5. Check your credit score

Conduct regular credit checks to know how your score has progressed & what measures you must take to repair it, if needed. 

Credit Cards are small-sized plastic cards that can make life very simple. These cards allow you to purchase goods and services on credit, the money for which you can return at the end of every month. You can choose to pay the full amount of credit that you have borrowed from your credit card issuer or a minimum fixed amount every month. In case you pay only the minimum amount, remember that you will be charged interest on your outstanding balance. There is a credit limit set for you by your card provider.

Click on this link to know more: https://www.mediafire.com/file/uqdolrliz3qr0ft/diif._Credit_Cards_ppt.pptx/file

Mentioned below are the top Gold credit cards available to customers in India: 

• SBI Gold & More Credit Card
• SBI Student Plus Advantage Credit Card
• SBI Advantage Plus Credit Card
• BMB Gold & More Credit Card 

Click here to get full information about different credit cards in India.

• HSBC Bank Gold credit card
• PNB Global Gold Card
• Canara Global gold credit cards
• Bank of India Navy Gold
• Bank of India visa Gold Card
• Bank of India Visa Gold International Card

In today’s world, what’s the one thing that you will find in the wallets of your friends and colleagues? Plastic money. For a generation that’s always online, Debit and Credit Cards are essential financial tools.

You can have savings accounts and a corresponding Debit Card. It’s quite common for people to hold multiple Debit Cards. But when it comes to Credit Cards, you may be slightly apprehensive about holding multiple Credit accounts. 

In truth, having more than one Credit Card can be a good credit management strategy. Having multiple Credit Cards can improve your credit score. So, if you’re thinking of adding another Credit Card to your wallet, you may be headed in the right direction.  

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Here’s why you need to get another credit card:

1. Better credit management:

You can divide your expenses between two or more Credit Cards. That way, none of your cards will be maxed out. You can also pay the bill of one Credit Card with another, to manage your Cards better.

2. Business Credit Card:

If you run a business, you can easily keep track of personal & business expenses by using separate Credit Cards for each. That will make bookkeeping easier for your business. 

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3. More rewards:

We all know that Credit Cards come with rewards. Different Credit Cards come with different benefits. While some cards give you rewards for shopping, others offer rewards on fuel or entertainment.  

4. Improve your credit score:

That’s right. Your credit utilization ratio is likely to improve if you hold multiple Credit Cards. It’s simple math. Your credit utilization ratio is a ratio of the sum of all your debts to the sum of credit limits of all your accounts. 

5. It’s good to have a backup:

Have an emergency but your credit card has hit its limit? Need your card immediately but it is stolen or lost? In such scenarios, getting a new Credit Card issued from your Bank could take a few days or even weeks. 

Choosing a credit card that matches your needs and lifestyle from the options available can be an arduous task. Most credit card issuers offer several cards, each with its own set of benefits, eligibility conditions, and related fees and charges. So if you are looking for a credit card that suits you, here are the best credit cards of 2022 from top credit card issuers in India that have unmatched benefits like cash back, rewards, and discounts on shopping, fuel, travel, etc.

Click on this link you will get full information about India's top best Credit cards:- https://www.edocr.com/v/kyeeaqqk/Cardinsider/top-best-credit-cards

When it comes to credit cards, every individual has a different purpose, and to fulfill that, you need to choose a card that suits you the most. There are credit cards best to pay your bills, others for a nice bargain on a shopping website. With the right choice, you can save money on your transactions.

Axis Bank Ace Credit Card. 

Flipkart Axis Bank Credit Card.

SimplyCLICK SBI Credit Card.

HDFC Millennia Credit Card.

American Express SmartEarn™ Credit Card.

HDFC Regalia Credit Card.

SBI SimplySAVE Credit Card.

SBI Card PRIME. 

Click here to get detail about India's Top Best Credit Cards In India.

Rating

1. Cashback: Half a star to credit cards providing cash back and half a star where the system of credit is not complicated and easy for the customers to understand.

2. Annual Fee and joining fee: Half a star to credit cards without any annual fee and half for no joining fee. Any credit card without any annual fee and joining fee will get a full star, but a joining fee of INR 500 has been considered equivalent to no annual fee.

3. Availability for all income groups: Half a star if the services of the credit card are available for all income groups, and another half if services extend to multiple geographies and not just major cities.

4. Value for welcome gifts: Half a star for welcome gifts and half a star for easy usage of those gifts. Here if the intrinsic value of the usable gift at least covers the annual fee, the credit card will get a full star.

5. Additional benefits: Half a star to credit cards providing additional benefits and a half to the credit cards in which these additional benefits are more user-friendly. For example, if a card offers a fee waiver to a user who will spend INR 3 lakh in one year, it is unlikely all cardholders may want to spend that much in one year. This makes the feature redundant for certain cardholders.