Credit Cards Agents in Kolkata

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WHAT IS CREDIT CARDS

In this superfast internet and technology based economy cash handling and cash transaction is obsolete now. India government want to promote digital economy in lieu of currency based economy. Because it will help and developed Indian economy, it will stop black money, every transaction will be neat and clean, government revenue will increase. Credit card and debit cards also know as plastic money. Through credit cards you can buy any goods and services on depends on the credit cards and you can pay later as per the specific date.
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CREDIT CARD ISSUING AUTHORITY

Credit card issuing authority are RBI authorized Banks including government banks and private banks, NBFC or non banking financial corporation, etc. financial institutions.
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DIFFERENT TYPES OF CREDIT CARDS

In credit card markets there have many different facilities, features and benefits in different types of credit cards. Most popular credit cards offer include fuel credit cards, cash back credit cards, entertainment credit cards, co branded credit cards, students credit cards, women credit cards, travel credit cards, lifetime free credit cards, business credit cards, premium credit cards, global credit cards, low interest credit cards. Depending on the credit card features and facilities credit card are categorized as gold card. Classic card, titanium card, platinum card, privilege cards and mostly affiliated to international payment gateway s like American express, master card or visa.
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CREDIT CARDS ISSUING BANKS & NBFC

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CREDIT CARDS INTEREST RATES

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ELIGIBILITY REQUIRED FOR CREDIT CARDS

Off course all type of credit card’s basic eligibility is your financial status. If you are first applicant of credit card then bank or credit card issuing authority will check your previous few months (minimum three months) bank’s statements, Your IT return, your income proof etc. and if you are already a credit card holders then bank or credit card issuing authority will check your previous track records, CIBIL, and other common documentation as per requirements. All banks and credit card issuing rules and regulation is mostly common in all cases.
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AGE REQUIRED FOR CREDIT CARDS

In India there have no any minimum and maximum age limit for credit holders but most of the cases you can’t hold credit card before 18 years of age.
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BOOK CREDIT CARDS THROUGH US

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ADVANTAGES OF CREDIT CARDS

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DISADVANTAGES OF CREDIT CARDS

CREDIT CARD HOLDER’S MAXIMUM REDIT CARD HOLDINGS LIMIT

There have no any credit card holding limit per person in India. If you have credit card holding capacity or repayment capacity then you can hold any number of credit cards from different banks or issuing authority.

CREDIT CARD PROCESSING FEES

In most of cases there have no any processing fees apart from joining fees. Bank or credit card issuing authority will not charged any processing fees from you.

CREDIT CARD JOINING FEES

Now a day’s most of the bank offers credit cards without any joining fees. But there have many credit cards issuing authority in India who will charged a joining fees at the time of application and it’s a one time fees.

CREDIT CARD ANNUAL FEES

This annual fees will be charges by the bank or credit card issuing authority in every year as renewal fees or continuation service fees. There have annual fees for every credit cards issuing authority but most of the cases banks or credit card issuing authority offer credit cards with first year annual fees and joining fees waiver schemes. In these cases annual fees will be chargeable from the second year.

LATE PAYMENT FEES ON CREDIT CARDS

This late payment will be charged as a penalty charges when credit card holders will not pay timely as per credit card issuing authority time limit.

CREDIT CARD OVER LIMIT FEES

This over limit fees will be charged if credit card holders fees, purchase, or finance charges exceed the credit limit of credit cards .

SERVICE TAX CARGE ON CREDIT CARD

On every expense through credit cards made there will be a service tax depending on the transaction valu inclusive interest rates, fees and other charges.

CASH WITHDRAWL CHARGES

This cash withdrawal amount will be charged when credit card holder uses their card for cash withdrawal against their credit card.

ECS BOUNCE OR CHEQUE BOUNCE CHARGES

This amount will be charged when credit card holders ECS or cheque will be bounce due to inappropriate account balance.

FOREIGN CURRENCY TRANSACTION CHARGES

One percentage of your transaction will be charged depending on your transaction value when credit card holders transact this amount is made on in foreign land by foreign currencies

IMPORTANTS TIPS FOR CREDIT CARD APPLICANTS

Before signing with agreement between bank or credit card issuing authority must read carefully all documents and terms and conditions.
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