You can compare and apply for a credit card at Rupeetalk. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you.

You can compare and apply for a credit card at Rupeetalk. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you.

Yes, some banks have categorised particular areas as sensitive/blacklisted them. They are refraining from issuing credit cards to residents of these areas.

In the current economic scenario, many banks refrain from issuing credit cards to multiple cardholders. Moreover, they have also imposed annual fees on most of their cards. Still there are some cards that do not charge annual fees. You can consider such cards and transfer your outstanding to the new card, which will come at a low cost, and pay the bill in instalments. We also suggest you to close all the unnecessary cards. Please make sure that you pay your outstanding as soon as possible, for credit cards levy high interest rates in the range of 30-40 per cent.

Generally, banks serve you a notice before attaching your savings account to your credit card account. As you are not notified by the bank, you should write to the concerned bank official. In case he/she doesn’t reply or act on your letter, approach Banking Ombudsman in your region. Moreover, even though you have not made any transactions on the credit card issued in your name, you are liable to pay the dues. We will suggest you to negotiate with the bank to write off some portion of your dues and opt for one-time settlement.

Every credit card provides different insurance cover. You need to contact the bank to know the kind of insurance cover it provides to the cardholders.

Different banks have different minimum salary criteria. Generally, the minimum salary required is Rs. 1.8 lakh.

It is difficult to comment as we do not know the conversation that took place between your mother and the bank. Generally, a bank takes 30-45 days to process a credit card. If you want you can wait till then.

Currently, banks are exercising caution in issuing credit cards to individuals. They have also raised the minimum salary level, one of the eligibility criteria. Besides, they are giving preference to the existing customers over new ones. So if your bank provides credit card facility, you can apply through it or else approach other banks which will check your credit history before issuing a card.

If you want you can compare and apply for a credit card at Rupeetalk. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you.

You can compare and apply for a Credit Card at Rupeetalk. You can also call us on 09920016645 or give us your number so that our executive can get in touch with you.