Best Credit Cards

Introduction: If you are struggling to pay off your Credit card bills and you have reached a point wherein you realise you can never clear off your dues, you are in a debt trap. How do I over come a debt trap? This is a very tough question to answer, after reading a lot of user experiences online here is how it works.  You need to go in person to the bank and explain your situation to them.  Take evidence of your current financial health and go meet the bank manager in person. The next thing you will do is propose a final settlement that works for you and seal the deal.  The deal could be in your favour to an extent that you will not pay any further outstanding dues and request the bank manager to waive off all out-standing dues in your name and come clean. This could hurt your credit rating making it hard to get loans for the near term.  But this will resolve your current harassment and mental torture.  If the bank has initiated a legal proceeding agai...

Introduction This article suggests the best options out there for lifetime free Credit cards and why one should own multiple credit cards from different banks. When you begin shopping for your daily needs you realise the ease of cashless transactions and end up using either a Debit or a Credit card.  Wallet transactions were a preferred choice right after demonetisation, however soon the cash back offers slowly stopped and are no more a preferred choice of payment due to frequent reloading and additional time taken to complete the transaction. Why Credit Card? There are a bunch of reasons as to why one should go in for a Credit card - 1. Buy now pay later 2. Cash back offers (you generally save 5 ~ 20% on online transactions using the right Credit Card) 3. Improve your Credit Score/CIBL Score 4. Reward Points - Not Really (will explain later) 5. Complimentary Airport Lounge Access and Food (both Domestic and International) 6. Zero liability on fraudulent or loss of th...