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What is an unsecured loan? An unsecured loan is a loan that is not backed by collateral or security. These loans are based solely upon the borrower’s credit rating. As a result, they are often much more difficult to get than a secured loan, which also factors in the borrower’s income. An unsecured loan carries [...]

Getting a credit card is not all; one also needs to be well versed with its working so as not to get hit financially. Among all, dealings with the fees and charges present on the card require more attention. Every cardholder wants to ensure that he/she pays minimum amount when it comes to the fees [...]

We might have become accustomed to using a credit card, but the same cannot be said about reading our card statement. We still feel stumped about certain terms or part or information in the statement. A credit card statement presents the summary of various expenses and payments made on a card in a month. Thus [...]

Shailesh, 26, earns Rs 80,000 per month and saves almost half of the salary. He owns an International Gold debit card and two credit cards. When it comes to purchase, Shailesh prefers to swipe credit card instead of the debit card. One day, his eyes fell on a mobile phone and he took instant liking [...]

After receiving a statement of credit card, the first thought that comes to our mind is what charges we are going to pay this time. We have anticipated a certain amount due on the card, but the statement tells a different story. There is a huge difference between the amount we have expected and the [...]