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What are the common pitfalls while using credit card?
Why is credit card usage complained by many? what are the common pitfalls while using credit card? how are credit card purchases charged and how is the billing cycle? what is the optimum payment cycle? please reply thank you
Fired from the job: high and unachievable targets
Hi today i visited bank a fresher was appointed to sell credit cards she has been given target atleast 2 credit card need to be sold if not 2 atleast one if in the entire month she is not able to reach the target or she is not able to sell even credit card she will be discarded from the job is it right to take way the job if she was not in position to sell even one credit card
Credit card payment - endless interests being added
Dear all first of all i am sorry for asking this question as i know this is not a right place to ask for. but due to the situation i am in i am compelled to ask. i am a credit card holder for quite long time. my card was blocked more than a year from now & i was also not using card any more since more than one year even before my card is blocked. the credit card company kept on sending me bills for the amount i am due for payment adding interest every month and asking me to pay my total amount due or minimum due. this is happening since my card was blocked. i have been paying min. due every month to avoid any kind of unhappy incidents and to avoid any kind of disturbance now my question is : how can the credit card company send bill to me? because my card was blocked and i am not using card anymore. in such case how can they go on adding interest and send bills for payment and insist for payment every month? the fact is i am not in a position to clear all the amount due immediately. i wanted to clear the entire amount due slowly. but the cr.card company is levying interest on the total amount and sending bills every month. in such case i will never be able to clear my total amount due. kindly advise. regards krishna
Credit history verification before joining new employer - cibil reduced to 680, is this good score or any problem?
Hi i m selected with it company in bangalore and they are also checking/verifying credit history before my joining but my cibil score is showing 680 at this time because a few months ago i skipped to pay credit cards bills and due to this my reduced to 680 is this good score or any problem in joining? today i have paid all credit card bills and everything is cleared credit card utilization is zero now but as i know it will take few months to reflect in cibil s score. please suggest.
Credit card fraud done by a colleague
Hi friends please see this atatchment and if you get to know about this chap please do inform me about him his name is shalinder verma was working as assistant manager since past two months with an bpo in gurgaon and came from hp bangalore he cheated on few of the employees and went absconding. we have tried tracing him but he changed his address every time. he will generally ask you to lend him some money and will ask you for your credit card he will try to see the number of your credit card and he is actually smart and clever in this and will misuse your card later on. he has cheated many people and was very much successful and now he is absconding by changing his address and changing his phone numbers. and again he tries for a new job to cheat more people. we have some how got his picture and his passport photocopy to circulate it so that he is not fooling others. if somehow any body receives his resume or gets to know that where is he working please inform me its really urgent. he might join some organization and will continue with the same habit. please help me getting him. thanks for your support. thanks & regards hrm.indiagmail.com
Tips for improove credit score
A good credit score is very beneficial and affect able on your business there are some step to improve your credit score. list pay your bill on time: this is most important thing to improve your credit score pay your bill on right time you can setup automatic from your accounts but you must have to enough money to avoid over draft fees. determination of your credit score: determinations of you credit score is based on following these questions. list list do you pay your bills on time? how is your outstanding debt? have you applied for new credit recently? how many long is your credit history? what types and how many of credit accounts do you have? list take copies of your credit report and sure all the information is correct: this is authorized online source to get free credit report. use legal step for improving your credit score: for improving your credit score you must have to take legal step. keep awareness towards creditrepair scams: this is also the best way to improve your credit score be aware to repair your credit. advantage of having good credit score list low interest rate and payment: this is the great advantage having a good credit score is being able to get low interest rate on loan the reason behind of it you have good credit score. less no of documentation: if you have a good credit score card so this is advantage for you have to need less documentation at the time of a loan. permit to shop around: you are free to shop for loan and lenders on the basis of you good result of credit score.