some information about credit cards

How to Manage Money

Looking for money management tips, look no further you have arrived at the right place. Here are some great tips for you to manage your finances. The best way to manage your income is to develop a plan today, tomorrow and in the future to track your capital. When it comes to financial situations how do you feel! anxious? frustrated? Or you could be petrified and not sure what you would do if your next paycheck could not hit your bank account. Well every one of us faces the situation of the struggle of financial adjustments somewhere in our lives. Nearly 4 out of 10 people tussle to make up an emergency payment. We come across this stress caused by the pressure of the financial problem.
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Well, whatever the situation is! It is time to make the right move, so you could nowhere in your life face the worrying situation with money management. Whatever is your income it does not matter be it a basic thousand to lakhs of dollars per ear, if you fail to manage your income, you could be dumped with stress. To avoid such a situation one has to build up a healthy plan to manage their money. Instead of making your wealth happen to you, your wealth needs to happen to you.
Here are some tips listed below to manage money:
Create Budget
Understand your Expenses
Understand your income
Consolidate your Debt
Cut-off unnecessary Expenses
Create an Emergency Fund
Save a minimum of 10 to 15% of income for Retirement
Check and understand your Credit Report
Use a personal finance app
Accompany Money Management Resources
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How to Make the Most of Your Credit Card Grace Period

We are sure you don’t like to spend your hard-earned money on credit card interests. We are also certain about this thing that everybody wants to save as much money as possible. Let’s find out how you can make the most of your credits card grace period.
Managing your bills is a daunting task, and when the credit card interest rates kick in, it just becomes more challenging to manage everything. To avoid getting into any credit card debt, you have the option of taking advantage of the grace period offered by your credit card provider.
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One of the most popular banks that offer other services, including the grace period, is ICICI Bank. ICICI Bank credit cards are one of the most preferred in the market for the services that it has to offer. Let’s understand the interest-free grace period applicable on credit cards.
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SBI Credit Card Net Banking

SBI, India’s largest public bank among the sought-after. Customers availing SBI Credit Card have the access to the online services which were offered by SBI. To get the benefit you have t register to avail the net banking services of SBI.
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How to Register SBI Credit Card for Net Banking Services?
SBI Credit Cardholder shaves to follow the below-mentioned steps to avail SBI net banking services.
Visit SBI Website
Click on "New User"
Go for "Register Now" (This option is under the Login button)
After This, you will be directed to a new webpage.
On this page, you must provide your Credit Card Numbers, CVV number, and Date of Birth.
Click on the "Proceed Button".
You will get an OTP password on your mobile number or Email.
Click on the link provided to your contact address and click proceed.
After this, you will jump to another page, where you can select a User ID and Password for SBI Credit Card.
Click Confirm Button
Now Your Registration is completed and now you can access the SBI Credit Card Net Banking Services

SBI SimplySAVE Credit Card

State Bank of India (SBI) offers many credit cards, among those the SBI SimplyClick is one of the most popular cards in the market as this card has easy eligibility terms. It is the regular card with regular and extra features with multiple benefits on online shopping, just with a click, hence the name SimplyClick. This article represents the review of the SimplyCLICK credit card, and this review will help you decide whether to choose this card or not.
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Benefits of SBI SimplyCLICK Credit Card:
Amazon welcoming voucher worth Rs 500/- with a validity of 12 months from the date of joining.
Get 1 reward point on every Rs 100/- spending.
Earn 5X reward points on all online shopping.
Get 10 X reward points on online shopping with the partners like BookMyShow, Lenskart, Cleartrip, Amazon, Rentomojo, UrbanClap and Netmeds, etc.
Get 1% fuel surcharge waiver on transaction of Rs 500/- to Rs 3,000/-
Milestone Benefit from Cleartrip, that is the user can get e-voucher of Rs 2000/- each on reaching spending of Rs 1 lakh to 2 lakhs.
Annual fee (Rs 499/-) will be waived off on spending 1 lakh in a year.
Flexipay benefit, purchases above Rs 2,500/- can be converted into EMIs.
Easy bill payments with rewards
Add-on Card facility
Option of Balance Transfer on EMIs

Why you should use credit card?

Why you should use credit cards?
If you are a financially disciplined person then take these advantages by using credit cards.
Build positive and high credit score
Earn while you spend in terms of rewards
Take a "free" one month loan
Protection against fraudulent usage
In this internet age, plastic money (both credit cards and debit cards) makes it such a convenient to shop over using cash, so it is no brainer to use cards over cash. But you may have a question which card to use and why? So I have provided my opinion in this post why one should use one or the other. If you are here to find out why use credit card or debit card, I assume you already know what and how they work.
Let me explain the advantages of using Credit Cards.
Build positive and high credit score
First what is a credit score? According to, a credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. So credit information companies like CIBIL provides each individual a numeric score within a range, this numeric score represents your credit score. These companies source credit usage and payment history of the individuals on credit cards, loans etc and apply an algorithm to determine the score.
Why is it important to build a high credit score? A higher score means higher chances of loan approvals in case if you plan a car or a home loan.
Earn while you spend
It is so much you are missing out on if you are not using credit cards in terms of cashback, instant discounts, and deals.
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