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Each country shares more or less the same requirements in issuing a visa to the party in need. However, there are small differences, depending on the consulate/embassy, on the additional documents required, apart from the main identification documents and their current economic status. Ensure , you have a passport which is valid for six months after your date of departure — and you have purchased travel health insurance as required by your destination country. What Is a Visa? A visa is a travel document (containing your name and picture) that allows you to enter a specific foreign country for a specific period of time. Visas are usually affixed onto your passport and state how long you can stay. In some cases, visas are also issued as separate documents and are not attached to your passport – such as electronic visas, which you must print out. Wen travelling to a country where does not permit Visa Free Entry or offer Visa on Arrival, you have to apply

The credit card industry has grown tremendously in India. There are many developments happening in the space, with varied innovations and changes in technology. These new developments offer smooth onboarding journeys, differentiated card products, personalised offers and rewards, and better mobile apps, which have proved to be greatly beneficial to existing customers and attracted new customers as well. Credit card issuers are also making efforts to bring further innovation and awareness to this space. The same can be seen from the significant growth in India’s credit card market.   Credit card industry in India With the emergence of e-commerce, adoption of contactless payments and changes in the value proposition, the post-pandemic credit card space has undergone a considerable change and is evolving constantly. RBI Payments Vision 2025 has outlined that card acceptance infrastructure will increase to 250 lakh touchpoints, which will further boost tra

The stakeholders are expected to submit their feedback RBI Invitation for Comments by August 4 th , 2023 against the draft circular on Arrangements with Card Networks for issue of Debit, Credit and Prepaid Cards proposed by The Reserve Bank of India (RBI) on July 05 th , 2023. From October 1 st , 2023, credit card, debit card and prepaid card customers will be able to port their networks. For example, card users would be able to port from Visa to MasterCard to RuPay or to any other network or vice-versa as per their choice. What did RBI propose? The Reserve Bank of India (RBI) in its latest circular has made proposals (given further below in detail) that will allow customers to change their debit, prepaid or credit card networks between Visa to MasterCard to RuPay or any other card network authorised to operate in India. The RBI’s draft circular, which is currently open for comments and feedback, mandates card issuers (both banks and non-banking financial compa

Credit card interest calculations can be really TRICKY for most of the people and COSTLY for some. You need to keep the following in mind and where required secure clarity from your Credit Card Issuer CCI , as applicable. Interest may be charged from the Purchase date, instead of the Statement Generation Date. Interest is calculated on the amount outstanding at the end of each day. Purchases made after the Statement Generation Date are added to the total outstanding and included in interest calculation. Taxes like GST etcetra are not included in calculations shown below. at present, rate of GST applicable on Interest on Unpaid Outstanding balance is 18 per cent per annum. TIP: Make payments as soon as possible even if the Statement has not been generated yet. REMEMBER: Interest will be charged even if the Unpaid previous statement balance was Rs.100 only. Bill Vectors by Vecteezy Credit Card Interest Calculator Fill in the highlighted cells

When lenders evaluate your loan or credit card application, they look at specific parameters to ensure less risk of non-repayment. One such parameter is your credit score. Higher credit scores are more likely to be approved by lenders for loans or credit cards, while lower credit scores are more likely to have applications rejected. In India, the Reserve Bank of India (RBI) has given permission to four credit bureaus. The oldest and most well-known one is TransUnion CIBIL (formerly Credit Information Bureau India Limited). Infact, such is their presence across the Indian financial sector that the term "Credit Score" in India has been generalised and often referred to as CIBIL.   What Is Credit Score? A credit score is a three-digit figure that indicates credit worthiness of a borrower to the lenders, such Banks, Card Issuers and NBFCs etc. The higher a Credit Score, the more responsible the borrower appear in the eyes of the lenders. Credit Sco

There are situations when you are forced to take on debt while dealing with an unforeseen expense, or when you are out of work but have to cover for inescapable expense. Managing credit card expenses, is a much required financial discipline, especially in such instances. Financial discipline is important because it helps to improve your financial well-being, and avoid financial stress. Credit card debt is expensive because you can continue spending on your card upto your credit limit, irrespective of the amount you already owe. The most effective way to save money on credit card interest is to avoid credit cards! Interest Rate Vectors by Vecteezy Ways to manage Credit Card Interest Evaluate your Credit Card Portfolio Before you jump on the spending spree armed with your credit cards, it is recommended that you evaluate following being offered on your credit card. Terms & Conditions Credit Limit Annual Percentage Rate APR Grace Period Stateme

If you ever need money quickly and are in a difficult situation, a Credit Card Advance (also called Credit Card Cash Withdrawal) can help you out. You can get money from a credit card and repay it little by little. The good thing is that you can get money quickly without having to deal with paperwork or waiting for the bank's approval process. This cash limit is a certain percentage of the total money you can spend with the card. A cash advance may seem appealing and might seem a good choice if you need money immediately, while ensuring a limited amount of money is kept in your bank account. The cash advance option solves the resource problem. In contrast to a debit card withdrawal, where you are accessing money from your account, a cash advance is essentially a loan from your credit card company charged to your account. Since cash advances frequently have a higher annual percentage rate and a transaction fee, you will need to be responsible for paying the cash adva

For some Credit Cards are an absolute necessity while for another segment possessing a Super-Premium Credit Card is more about attaining that “Status symbol”. Apart from these two set of cardholders, there is another segment which applies for a Credit Card just because they recently learnt about the benefits or privilege certain Credit Card offered, even though they never needed one. Quite often it is this third segment of cardholders who gets affected the most (owing to their inability to manage Credit Cards) and have to bear the brunt of Credit Card Issuers’ policies should in case they forget to pay back the amount within the due date! What is Revolving Credit? Anytime a credit card is used, the cardholder is using the revolving credit. Revolving credit refers to an open-ended credit account that can be used and paid down repeatedly as long as the account remains open and in good standing. The credit limit is the maximum amount of money a cardhol

In the dynamic landscape of consumer loyalty programs, innovation is key to staying ahead of the curve. Tata Neu Rewards League 2024, the latest offering from Tata Group, is poised to revolutionize the way customers engage with their favorite brands. This groundbreaking rewards league promises a plethora of benefits, ensuring that patrons not only enjoy their purchases but also reap substantial rewards in return. In it's new avatar, The Tata Neu Rewards League 2024, offers an opportunity to play and earn rewards up to INR15,000 including an assured Taj Experiences Dining Voucher worth INR5,000 to the winners. Whether you're shopping for groceries at Tata's retail outlets, indulging in luxury at Taj Hotels, or exploring the latest tech innovations, Tata Neu Rewards League 2024 offers a unified platform for accumulating rewards and unlocking exclusive perks. The Tata Neu Rewards League 2024 presents a variety of incentives and guarantees compelling rewards

Each country shares more or less the same requirements in issuing a visa to the party in need. However, there are small differences, depending on the consulate/embassy, on the additional documents required, apart from the main identification documents and their current economic status. Ensure , you have a passport which is valid for six months after your date of departure — and you have purchased travel health insurance as required by your destination country. What Is a Visa? A visa is a travel document (containing your name and picture) that allows you to enter a specific foreign country for a specific period of time. Visas are usually affixed onto your passport and state how long you can stay. In some cases, visas are also issued as separate documents and are not attached to your passport – such as electronic visas, which you must print out. Wen travelling to a country where does not permit Visa Free Entry or offer Visa on Arrival, you have to apply

The credit card industry has grown tremendously in India. There are many developments happening in the space, with varied innovations and changes in technology. These new developments offer smooth onboarding journeys, differentiated card products, personalised offers and rewards, and better mobile apps, which have proved to be greatly beneficial to existing customers and attracted new customers as well. Credit card issuers are also making efforts to bring further innovation and awareness to this space. The same can be seen from the significant growth in India’s credit card market.   Credit card industry in India With the emergence of e-commerce, adoption of contactless payments and changes in the value proposition, the post-pandemic credit card space has undergone a considerable change and is evolving constantly. RBI Payments Vision 2025 has outlined that card acceptance infrastructure will increase to 250 lakh touchpoints, which will further boost tra

The stakeholders are expected to submit their feedback RBI Invitation for Comments by August 4 th , 2023 against the draft circular on Arrangements with Card Networks for issue of Debit, Credit and Prepaid Cards proposed by The Reserve Bank of India (RBI) on July 05 th , 2023. From October 1 st , 2023, credit card, debit card and prepaid card customers will be able to port their networks. For example, card users would be able to port from Visa to MasterCard to RuPay or to any other network or vice-versa as per their choice. What did RBI propose? The Reserve Bank of India (RBI) in its latest circular has made proposals (given further below in detail) that will allow customers to change their debit, prepaid or credit card networks between Visa to MasterCard to RuPay or any other card network authorised to operate in India. The RBI’s draft circular, which is currently open for comments and feedback, mandates card issuers (both banks and non-banking financial compa

Credit card interest calculations can be really TRICKY for most of the people and COSTLY for some. You need to keep the following in mind and where required secure clarity from your Credit Card Issuer CCI , as applicable. Interest may be charged from the Purchase date, instead of the Statement Generation Date. Interest is calculated on the amount outstanding at the end of each day. Purchases made after the Statement Generation Date are added to the total outstanding and included in interest calculation. Taxes like GST etcetra are not included in calculations shown below. at present, rate of GST applicable on Interest on Unpaid Outstanding balance is 18 per cent per annum. TIP: Make payments as soon as possible even if the Statement has not been generated yet. REMEMBER: Interest will be charged even if the Unpaid previous statement balance was Rs.100 only. Bill Vectors by Vecteezy Credit Card Interest Calculator Fill in the highlighted cells

When lenders evaluate your loan or credit card application, they look at specific parameters to ensure less risk of non-repayment. One such parameter is your credit score. Higher credit scores are more likely to be approved by lenders for loans or credit cards, while lower credit scores are more likely to have applications rejected. In India, the Reserve Bank of India (RBI) has given permission to four credit bureaus. The oldest and most well-known one is TransUnion CIBIL (formerly Credit Information Bureau India Limited). Infact, such is their presence across the Indian financial sector that the term "Credit Score" in India has been generalised and often referred to as CIBIL.   What Is Credit Score? A credit score is a three-digit figure that indicates credit worthiness of a borrower to the lenders, such Banks, Card Issuers and NBFCs etc. The higher a Credit Score, the more responsible the borrower appear in the eyes of the lenders. Credit Sco

There are situations when you are forced to take on debt while dealing with an unforeseen expense, or when you are out of work but have to cover for inescapable expense. Managing credit card expenses, is a much required financial discipline, especially in such instances. Financial discipline is important because it helps to improve your financial well-being, and avoid financial stress. Credit card debt is expensive because you can continue spending on your card upto your credit limit, irrespective of the amount you already owe. The most effective way to save money on credit card interest is to avoid credit cards! Interest Rate Vectors by Vecteezy Ways to manage Credit Card Interest Evaluate your Credit Card Portfolio Before you jump on the spending spree armed with your credit cards, it is recommended that you evaluate following being offered on your credit card. Terms & Conditions Credit Limit Annual Percentage Rate APR Grace Period Stateme

If you ever need money quickly and are in a difficult situation, a Credit Card Advance (also called Credit Card Cash Withdrawal) can help you out. You can get money from a credit card and repay it little by little. The good thing is that you can get money quickly without having to deal with paperwork or waiting for the bank's approval process. This cash limit is a certain percentage of the total money you can spend with the card. A cash advance may seem appealing and might seem a good choice if you need money immediately, while ensuring a limited amount of money is kept in your bank account. The cash advance option solves the resource problem. In contrast to a debit card withdrawal, where you are accessing money from your account, a cash advance is essentially a loan from your credit card company charged to your account. Since cash advances frequently have a higher annual percentage rate and a transaction fee, you will need to be responsible for paying the cash adva

For some Credit Cards are an absolute necessity while for another segment possessing a Super-Premium Credit Card is more about attaining that “Status symbol”. Apart from these two set of cardholders, there is another segment which applies for a Credit Card just because they recently learnt about the benefits or privilege certain Credit Card offered, even though they never needed one. Quite often it is this third segment of cardholders who gets affected the most (owing to their inability to manage Credit Cards) and have to bear the brunt of Credit Card Issuers’ policies should in case they forget to pay back the amount within the due date! What is Revolving Credit? Anytime a credit card is used, the cardholder is using the revolving credit. Revolving credit refers to an open-ended credit account that can be used and paid down repeatedly as long as the account remains open and in good standing. The credit limit is the maximum amount of money a cardhol

In the dynamic landscape of consumer loyalty programs, innovation is key to staying ahead of the curve. Tata Neu Rewards League 2024, the latest offering from Tata Group, is poised to revolutionize the way customers engage with their favorite brands. This groundbreaking rewards league promises a plethora of benefits, ensuring that patrons not only enjoy their purchases but also reap substantial rewards in return. In it's new avatar, The Tata Neu Rewards League 2024, offers an opportunity to play and earn rewards up to INR15,000 including an assured Taj Experiences Dining Voucher worth INR5,000 to the winners. Whether you're shopping for groceries at Tata's retail outlets, indulging in luxury at Taj Hotels, or exploring the latest tech innovations, Tata Neu Rewards League 2024 offers a unified platform for accumulating rewards and unlocking exclusive perks. The Tata Neu Rewards League 2024 presents a variety of incentives and guarantees compelling rewards