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Bank Account Queries

What Happens If I am 1 Day Late on My Credit Card Payment?

If you are late in making the credit card payment on time, your CIBIL score may go down and moreover, you end...

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Credit Cards

Can a Credit Card Be Issued to the Loan Accounts ?

Can a Credit Card be issued to other loan accounts such as overdraft facility, cash credit facility, working capital loan? Yes, paragraphs 7(b) and 7(c) of the MD have enabled issuance of various types of credit cards which can be customized to access the limits available in different loan accounts, duly aligned to the terms and conditions stipulated for the concerned loan account.  Also Read - Can a Bank Charges interest on the Credit Card unpaid taxes ? For example,...

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Credit Cards

What If Credit Card is Issued Without Consent ?

What should a customer do if a credit card is issued without his/her consent (unsolicited card)? Card issuers are prohibited from issuing unsolicited credit cards and are required to seek prior and explicit consent from the customer before issuing a card. However, if the customer receives an unsolicited card, he/she should refrain from activating or providing consent for activation of card through OTP or any other means.  Also Read - Can a Late Payment Fees Charges on Partial Payment? If...

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Credit Cards

Can a Late Payment Fees Charges on Partial Payment?

In case a cardholder makes partial payment, can a card-issuer charge interest/levy late payment charges on the total amount due? In case a cardholder does not clear the total amount due within the payment due date, interest free credit period will be lost, and interest may be levied from the date of transaction on the outstanding amount (adjusted for payments/refunds/reversed transactions as and when credited) and not on the total amount due.  Also Know - Can a Bank Charges interest on...

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Credit Cards

Can a Bank Charges interest on the Credit Card unpaid taxes ?

No, a bank or Credit card issuers shall not capitalize i.e., levy interest or any other charges, on the unpaid taxes/levies/charges. As the provision contained under para 9(b)(ii) of the MD became effective from October 01, 2022, card-issuers shall not capitalize unpaid taxes/levies/charges that have been billed from October 01, 2022. Checkout Latest Credit Card Reviews : Click Here

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Credit Cards

Top Best Life Time Free Credit Cards in 2024

Checkout the Best Life time Free Credit Cards in 2024 issued by banks in India. The Best Credit Cards are shortlisted based on...

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Credit Cards

Best Credit Cards with Airport Lounge Access USA

Best Credit Cards with Airport Lounge Access USA - Lounge entry comes at a price, but some of the best credit cards...

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Canara Bank

How to Link Canara Bank Credit Card For UPI Payments ?

Follow the simple steps to activate and link Canara Bank Credit Card For UPI Payments with apps like Paytm, BHIM, Google pay,...

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