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 th...
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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 th...
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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 rati...
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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
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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...
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When it comes to credit card payment, borrowers must have a clear understanding of how it works. At the end of one billing cycle, lenders send monthly statements notifying the minimum and total amount payable. Individuals need to pay these amounts before a specific date called the due date. The timeline between this due date and the statement date is interest-free and is known as the grace period. So, if borrowers can practice repaying the total amount within this grace period, they can easily g...
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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 eve...
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Air conditioners are not a common feature in Indian households, yet. They are less common, for example, than television sets, refrigerators, and washing machines. Refrigerators need a constant electricity supply to be of use - something that is not yet available in large parts of our country. And yet, the number and the spread of refrigerators is more than ACs, which can be used with irregular electricity supply as well.
But this promises to change in the coming years. With the increasing pur...
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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 n...
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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 an...
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In India, TV is what you will find in almost all households – rich and poor and in a city and a village. Everyone in India seems to be complete adoration of the Idiot box – and why not? Anything that binds family is welcome with open hearts in India.
History suggests that TV has kept Indian viewers in a bond for ages – and everyone will be able to relate to that with the mentioning of Mahabharata telecast days. The scene gets replicated in an Indian family when there is a cricket match on. In...
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Chartered accountants have the unique opportunity to open their firms within their specific line of business after working for a few years in the industry. CA firms are among the top goals of every CA aspirant. However, setting up a business requires considerable capital investments. Loan for chartered accountants can assist you to arrange the necessary financial backing to initiate your own business.
However, your credit score, among other things, plays an important role in determining whether...
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