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Credit Card Dilemma

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85 replies to this topic

#1
DinJo

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Have been looking to get credit card , i always use to rely on debit card but some only purchases require credit card


How are these , they say no fees for lifetime without any swipe


http://www.hdfcbank....latinumplus.htm


http://www.hdfcbank....c_visa_sign.htm


And which one is better Master or Visa?
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#2
avkash

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lol, dude contact the bank where you have your salary account, they would run after you to give you one, your company is one of the A listed companies :P
Also you cannot really say which is better from Master or Visa, they both work everywhere, they both have deals going for them.

I think the bank will give you the best they can according to your salary.

Edited by avkash, 18 January 2012 - 01:03 PM.

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#3
Django_3101

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Almost every bank today gives a lifetime free credit card...

look for a credit card which gives you points and also, if you have a conveyance look for a credit card which do not charge anything additional for fuel.

#4
Jigsaw

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dinesh :chair:

yeh umar mein bhi cc nahi?? :doh:

chalo koi nahi... as others have suggested start off with a "free" card. You'll anyways be given peanuts as far as credit limit goes since this will be your very first card. Down the line once you get accustomed to using it, i would suggest pick up Citi Titanium card. It has an annual fee of 500 bucks.... and every point that you earn on it is equivalent to 1 rupee. So every 3-6 months, you can simply redeem your points at say Shopper's Stop and upgrade your wardrobe at "no expense"
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#5
DinJo

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HDFC & Citi both are offering any card i want without any fees.Not sure which one to pick , banks has no issues in giving me higher credit limit.
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#6
Jigsaw

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HDFC & Citi both are offering any card i want without any fees.Not sure which one to pick , banks has no issues in giving me higher credit limit.


Yeah HDFC and citi do give out the titanium cards for free to sign up new customers. Just pick one. Make sure though there's no annual fee after the first year.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#7
Big Boss

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You book movie tickets online, dinjo?

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#8
DinJo

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No, I get other do it for me. :bigyellowgrin:
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#9
Big Boss

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Good for you. Then get others to do the stuff for which credit card is required.

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#10
devil_angel

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I've never fallen for the credit card offers till date; eventhough I get a call a week offering me one :fear:
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#11
Jigsaw

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You book movie tickets online, dinjo?



No, I get other do it for me. :bigyellowgrin:


:giggle:

some things cannot be *cough cough*
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#12
avkash

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:giggle:

some things cannot be *cough cough*

:naughty:

Also get Citi, it has much better offers all over compared to HDFC
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#13
DinJo

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:giggle:

some things cannot be *cough cough*

Since i dont pay for them its a cough
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#14
Choron ka raja

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dinesh :chair:

yeh umar mein bhi cc nahi?? :doh:

chalo koi nahi... as others have suggested start off with a "free" card. You'll anyways be given peanuts as far as credit limit goes since this will be your very first card. Down the line once you get accustomed to using it, i would suggest pick up Citi Titanium card. It has an annual fee of 500 bucks.... and every point that you earn on it is equivalent to 1 rupee. So every 3-6 months, you can simply redeem your points at say Shopper's Stop and upgrade your wardrobe at "no expense"


Really? I have just the platinum one for free, and it has the same value per point. :O BTW, how much points do you get for every 100bucks spent?
I don't chew bubblegum, I just kick as$es!

#15
Jigsaw

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Really? I have just the platinum one for free, and it has the same value per point. :O BTW, how much points do you get for every 100bucks spent?


Not sure
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#16
piper

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Don't get a credit card and keep enjoying your credit-free life. Honestly.

Nobody gets 'unbanned' from a forum. They're just out on parole.

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#17
avkash

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actually credit card is a real boon if used wisely, if not then it is a disaster waiting to happen. Have been on both sides personally :P
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#18
devil_angel

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Don't get a credit card and keep enjoying your credit-free life. Honestly.

THIS.

At least for me :P
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#19
NitroNeo

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For online transactions via paypal if you want to purchase lets say a book from ebay or amazon , i find VISA much better than Mastercard , but then again your transactions happen via paypal & it accepts mastercard , so both are good
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#20
shekdown

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Been enjoying my working life without a CC for a long time now but work demands I get one, because the corporate card isnt accepted at all places. Its a lot easier to keep track of, as well. So am considering to get one where my salary account is. Any idea which is the best card in terms of rewards and points?

#21
Zeehunter

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I find HDFC cc slightly better than the others . .
But every bank's cc give somewhat similar rewards provided u buy the premium/titanium cards

#22
Bulovski

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Amex cards have the best points structure, but with a hefty renewal fee. Which they give you back in points again.

Get a card with your salary account and just set up auto debit. No payment is ever forgotten. Citi cards are excellent.

I will get there


#23
shekdown

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Thanks chaps.

#24
Shantz

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Amex cards have the best points structure, but with a hefty renewal fee. Which they give you back in points again.

Get a card with your salary account and just set up auto debit. No payment is ever forgotten. Citi cards are excellent.

i've got a corp. amex.. win all around with no fees, just points galore :bigyellowgrin:

#25
DinJo

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I got a call from SBI , they were offering SBI Gold Credit Card are they good enough ?
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#26
avkash

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:nono:
it has its benefits but you're better off with private banks

Edited by avkash, 27 January 2012 - 05:28 PM.

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#27
Snake

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can someone explain how this CC thing works?? suppose i buy things worth 30k...do i have to pay the entire amount next month or whst?
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#28
Irredeemable

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You can pay back over the next few months but for those months the bank would charge you some interest.

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#29
godspeed4476

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Just getting a call from the bank sales team does not mean you will automatically get the card. You will also have to pass their credit evaluation done by a separate team. Make sure you go for the co branded cards of retail merchants, they are usually the ones without any fees.
I use around half a dozen CC, except for HDFC i have used all of the companies CC. Citibank by far is the best CC company, its customer service is the best for any company in India. SBI and AMEX has the worst CC and do keep in mind that AMEX is not accepted in many places, so the best bet would be to go for Visa or Mastercard from Citibank. Apart from best customer service, they also provide frequent increase in the limits based on your spendings, and the increase in the limit is very high as compared to other cards that i have used

Contrary to the popular belief over here, using a CC is the best way to bring up your credit score, i have been wisely using CC for close to 7 years now, and apart from having a decent limit of 8lac on my citi CC, i also have a credit score of 865 out of total possible 900. So next time i decide to apply for some high loan, it would get approved hassle free as compared to having no credit rating.
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#30
godspeed4476

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can someone explain how this CC thing works?? suppose i buy things worth 30k...do i have to pay the entire amount next month or whst?

you can pay the amount in full interest free if you do it by the due date. or else you can pay it in parts, but the interest would be charged for the amount.
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