11 IMP things to know before you apply for a credit card

11 Important thingsA credit card may appear like simply one more instrument to help you transact in a cashless manner, however it can be significantly more. Whenever utilized correctly, a credit card can help you build a decent credit record as a consumer, permitting you to get benefits of a having a good credit score. Basically, a credit card can be significantly more valuable than your debit card if you use the credit card in the correct way.
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Right way to apply for a credit card and get approved

Approved Applying for a credit card nowadays is as straightforward as entering your data into an online form and clicking “submit.” But getting approval for a credit card requires planning that ought to begin much earlier than you apply. If you keep the following 4 points in mind you will have a higher probability of getting your credit card application approved.

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Is Balance transfer right for you ?

Balance transfer right for youIdeally, nobody would like to revolve credit on their credit card. We would all pay off the bills every month and never need to stress over managing interest charges or swelling minimum payments on our cards.
However overspending happens, sometimes not entirely by your own mistake, but is due to some short-term adverse circumstances encountered by you.
In case you’re confronting a heap of credit card debt, doing a balance transfer may be a decent approach to make it vanish quicker. However, before you do that you got to be certain that doing the balance transfer is the best thing in your situation. The last thing that we at mymoneykarma.com want is for you to take a decision that is not optimal for you. Read below to learn more about balance transfer and to figure out if it is the right thing for you

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How to Choose the Best Credit Card

Choose Best Credit CardToday with so many banks issuing a multitude of cards identifying the best credit card for yourself is a quite a challenge.
As no single credit card is superior to all others in all kinds or no one card is the best for all individuals, it is imperative that you do your research to find the best credit card before you apply for a credit card. We at mymoneykarma.com want to empower you to compare your choices and ask yourself the right questions, based on that you can discover the card that is the best fit for your ways of managing money and credit circumstance.

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Brexit has a message for you. And it’s a warning!

Brexit financial crisisGlobalization is perceived to be good, until it is not anymore. Brexit showed that people in Haryana, Mumbai, Hyderabad or other cities in India are not immune to how people vote in Westminster! This is an example of what happens when employees, investors, and retirees don’t have a risk management plan in place. Let’s look at the bloodbath Brexit caused in the Indian financial sector. Read more