Aditi Ahuja

Individuals opting for credit cards should determine how to pay credit card bill beforehand to ensure responsible use of credit. Doing so is integral to minimizing debt while also improving credit ratings. However, potential applicants need to grasp how credit card statements are raised and how bills are settled. Here are some essential aspects to consider related to such payments. 1- A credit card statement is generated based on the billing cycles. Such a cycle represents the period between the generation of one credit card statement and another. Any expenses you incur through this card in a particular month are raised at the end of its billing cycle via the monthly statement. 2- Individuals who clear the dues every month restore their credit limit on the card. However, those who cannot pay the amount will need to service the same in the next month’s statement. 3- Delaying payment of such dues continuously can hamper your credit ratings, preventing you from availing loans or credits in the future. Thus, it is better to service bills in full every month, instead of simply clearing the minimum amount due. Impressive credit history will encourage your card issuing company to take note and increase the pre-sanctioned limit on your card. Some cards, such as the SuperCard, allow for easy conversion of outstanding amounts into EMIs, further easing repayment.

Credit is still used with a certain degree of apprehension owing to the possibility of entering into a debt trap. However, if used wisely, multiple credit cards may actually help to bolster one’s financial health and liquidity. Here are a few factors that make holding multiple credit cards beneficial - 1- Reduced CUR The standard credit utilisation ration is around 30%. When one decides to apply for a credit card for the second time, it becomes easier to maintain the credit utilization ratio in the first card. 2- Enhanced credit limit When an individual uses more than one credit cards, he or she has the option of availing a higher credit limit. With all the cards combined, the overall limit becomes automatically more when compared to one credit card. 3- Better credit score One has the option of improving the credit score by paying the bills on time. If the credit score is high, it will also automatically help in loan application. Prominent NBFCs such as SuperCard that includes the option of interest-free cash withdrawals from ATMs s among others. Owning such a financial tool can prove beneficial because of the added features and benefits offered.

Entertainment offers Entertainment offers with credit cards are specifically for the movie lovers. You can earn various rewards when purchasing movie tickets with these cards. For example, get one movie ticket for free with the one you buy. Or, receive discounts which can go up to 25% when you purchase a ticket. Fuel offers Check for credit card offers on fuel purchases if your expenses on the same are excessive. Credit cards providing such features are generally co-branded. Financial organisations providing these products partner with one or more fuel companies. You receive attractive reward points when purchasing fuel from the partnered pump station. You can then redeem these points to buy fuel for free. These cards also give fuel surcharge waiver. You may either get full or a limited percentage of waiver. Besides the above mentioned, some financial organisations also bring exclusive offers on the following sectors. 1- Healthcare Credit cards have offers on healthcare services at selected medical institutions. Cardholders can enjoy the following benefits: Complimentary consultancy Discounts on check-up Professional indemnity insurance cover High reward points on medical expenses EMI payment of insurance premiums 2- Fitness center Fitness offers on credit cards can be enjoyed at various gyms. Get discounts on memberships or pay the same in easy EMIs through these credit cards. 3- Skin, hair, and beauty care Several credit cards provide offers on skin, hair, and beauty care from several partner clinics. Offers generally come as EMI payment of membership or discounts on them. Go for a financial organisation which comes with the maximum

New business ventures such as start-ups require a considerable amount of capital to initiate their operations. Apart from that, they also need funding to carry out their day-to-day operations. Accordingly, Individuals who are planning to set up their enterprise can consider opting for a business credit card. Such cards can be availed quickly compared to any other line of credit and provide business ventures with quick access to funding. Business credit cards also enable a small or medium-scale organisation to build up a credit history and score which can come in handy while applying for loans and advances in the future. Since most lending institutions offer business credit card in India, applicants need to carry out thorough research and compare credit card features that are available in the market. Some of the features that the best credit card should have are – 1- Robust security features – A business credit card must come with robust security features to reduce the risk of online frauds. 2- EMI conversion option – It should provide the option of converting the outstanding amount into affordable EMIs to lower the repayment burden. 3- Emergency loan – One should consider applying for a business credit card such as the Bajaj Finserv RBL Bank SuperCard that allows cardholders to avail a loan against the available credit limit as well as enable interest-free cash withdrawal from ATMs. 4- Lucrative reward programs – Individuals should apply for a business credit card that offers attractive reward points with every purchase. However, before applying for a business credit card, applicants should go through the eligibility parameters and documents required set by the credit card issuer. Additional Read: How to Apply Credit Card

Summers in India are known for being hot, sweaty, and uncomfortable. In most of North India, temperatures increase to more than 40 degrees in the months of May and June, leaving people with no choice but to buy an air conditioner. However, at the same time, since AC units work longer than usual, people are forced to pay heftier electricity bills. In this article, we will look at five ways you can reduce your AC bills. 1- Keep your AC on during daytime and switch it off at night. Since the evening air is relatively cooler, the body does not need the AC cooling as much as at night as during the day. 2- Set the thermostat at a comfortable temperature, ideally between 22 to 24 degrees. By doing so, the efficiency of your AC will increase, helping you save electricity. Therefore, before buying an AC, check whether it has a thermostat with an in-built timer or not. 3- Make sure you clean your AC regularly. This can be done either by cleaning your AC’s filter frequently or replacing it at regular intervals. Maintenance will, in turn, improve your AC’s efficiency as an unclean filter will force your AC unit to work more, thus, increasing your monthly electricity bill. 4- Avoid putting your AC’s fan speed on maximum during periods of humidity. By lowering the fan speed, it helps to remove the moisture from the air during humid days. 5- In case your AC is putting a dent in your budgeting, it is better to replace it with a more efficient one. If you are confused between window AC vs split AC, the latter is a better option since if you compare the efficiency of window AC vs split AC, the efficiency of a split AC is higher. 6- Some of the best inverter AC 1.5 ton are those which are known for being affordable yet boast of several premium features such as being energy-efficient, filtering out pollutants and dust particles, and self-regulatory temperature control. Therefore, some of the best inverter AC 1.5 ton are Hitachi’s 1.5 Ton 5 Star Inverter Split AC, Daikin 1.5 Ton 3 Star Inverter Split AC, LG 1.5 Ton 3 Star Inverter Split AC, Voltas 1.5 Ton 4 Star Inverter Split AC, and Carrier 1.5 Ton 3 Star Inverter Split AC. With the help of the Bajaj Finserv EMI Network Card, you can finance your purchase with its instant financing options. The Bajaj Finserv EMI Network Card offers a loan of upto Rs. 4 lakh, which can be paid back in 3, 6, 9, 12, 18, 0r 24 months. The process to apply for a loan only involves producing the required KYC documents and a cancelled cheque. Later, you can show the SMS of your pre-approved loan and fill a form online to shop the best AC brand from your favourite across Bajaj Finserv’s 1 lakh partner stores in India.

An air cooler is the best alternative when it comes to beating the heat without investing too much and paying higher electricity bills when compared to an air conditioner. However, if you are looking to buy an air cooler, the room size also matters much to experience consistent cooling without straining your device. For a small room, a personal or room air cooler would suit your needs and a desert air cooler for a medium/large one. Let’s know what kind of air cooler models would suit your needs depending on the room size that you may have: 1)- Room size – Less than 100 square feet - Symphony Ice Cube Personal Air Cooler (27 L) - Bajaj Platini PX97 Torque Personal Room Air Cooler (36 L) - Symphony Diet 22i Personal Air Cooler (22 L) 2)- Room size – Less than 300 square feet - Crompton Ozone Desert Air Cooler (55 L) - Symphony Hicool i Air Cooler (31 L) 3)- Room size – Greater than 300 square feet - Havells Freddo Desert Air Cooler (70 L) - Crompton Ozone Desert Air Cooler (75 L) You are now aware of the best air cooler models that you can consider buying in India as per your room sizes. You can assess your final budget allowance, the size of your rooms, and weather conditions in your area to bring home the best air coolers in India. If you live in a humid area like a coastal one, then your air cooler won’t work, and you must take into account this factor. You will need to invest in a room AC. Here’s the suggestions on some easily affordable AC available you may look for.

Are you looking to get Pixel 4 camera specs on Android smartphone models? If yes, then you can easily do that after going through this quick post! Firstly, you will need to search for the best Google Camera port apk version – apk 7.2 and above will be the best. The next thing will be downloading the app file from an authentic source and install it. Once you have installed the app on your mobile phone, you can open the app and let it avail the required permissions. You can now choose the mode and begin clicking the picture. Mobile phone companies offering Oppo mobile 4G under 10000 and other models may help you getting Pixel 4 camera elements without straining your budget. You can now spread the price of a mobile phone over a tenor and manage to pay fixed EMIs only on the Bajaj Finserv EMI Network in 80,000+ outlets and 1800+ cities. This way, you will be able to fulfill your wish as well as pay fixed EMIs only. It can simplify your loan procedures and make it less time-consuming. All that you have to do is share your basic details such as your name and mobile number to check out your pre-approved loan offers now.