Credit card will provide Bankers or any financial institute. Credit card will design for shopping and online payments, the Credit card will accept worldwide. We can use the credit card until given limit.

• Credit cards can be used for shopping and online shopping
• Through credit we can transfer the balance
• We can withdraw cash also up to certain limit.

How to apply Credit Card:

Choose the best credit card according to your requirements and then go for bank websites and apply online when you are going to apply credit card read instructions properly after that go for online application for applying here fill the proper information your name as for the Pan Card and give all other details after submission application you will get conformation message.

After two working days Bank will contact you and executive will meet you in your place that time submit all the required documents.

Eligibility for Credit Card:

• You must complete above 18 years
• If you are salaried person
• business persons(IT returns required)

Documents Required

• Proper address proof
• Photo identity proof
• Pan card
• Bank statements
• Pay slips
• Photos

How to use Credit card:

All merchants will accept credit cards when you are making purchasing products or goods swipe the credit card in swiping machine and verify carefully amount twice or thrice and enter your secret number And take the receipt verify the payment details.

For online shopping after selecting the product while payment select credit card and follow below steps.

Stp-1
Enter your credit card number:

stp-2:
Enter Cvv number

Stp-3
Enter expiry date

Stp-4
Enter your name and check once again above all details are correct and then enter submit button.

Stp-5
You will receive OTP to your registered mobile number and enter the OPT number and submit.

Note: don’t share your secret number with any one even your friends and relatives also.

How to pay credit card Bill:

• You can make the payment through net banking.
• You can make the payment through payment gate way.
• You can make the payment s through cheque
• You can pay directly through bank.

Note: Pay regularly your credit card bills if you don’t have money pay at least pay minimum amount to avoid extra charges.

Interest Rates:

bsed on given bank interest rates will chgange so please very once. or call your bank.

Late payments

Late payment will if not pay before due date. late payment will add 500 rupes or above check once. if dont have money pay the minimum ammount to avoid the late payment fee

Privacy:

Don’t share the credit card details like pin and card number and don’t share to any one. Don’t use your credit card details on illegal websites

Add_on Credit Cards:

Banks will give supplementary Credit cards is an added credit card issued under primary credit card the added on credit card issued family members of the card holders in the primary credit card limit will share to added on credit cards.

If you lost the credit Card:

In this case please contact customer care to block the credit card.

Credit reports

Credit reports
Credit reports will determine the previous credit history of the person.
It will capture previous loans payment history and credit card payment history
When the person not makes properly his dues the credit score will decrease
The credit company will update the score and when ever banks will ask they will give the report
Based on the report majority of the banks or fanatical campiness will decide to give loan or not  

in india almost major banks will check CIBIL SCORE.

Basically the cibil score will be300 – 900
Who have above the 750+ cibil score banks will give easily loan or credit cards

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