If you already using a credit card or planning to go for your first credit card apply? The first thing you are required to fill in is the credit card application. It is a key to get to know the best credit card offers. There is no need to worry at all, with the advancement of FinTech, nowadays bank credit card apply procedure becomes quite hassle-free. Log on to the lender’s website, fill in your personal details, and click the submit button. But, when it comes to getting instant credit card approval, it is quite a complicated task. Yes, it requires practical planning on your part which you should start earlier signing the card. So, for your reference, here are some jotted down tips and tricks which will help in getting your credit card application approved too fast. Identify which type of credit card you need
There are three general types of credit cards:
1. Take the help of Instant online credit card approval engines These days, there are plenty of Fintech platforms available and IndiaLends is one of them that offer you instant approval for credit cards. All you are required is to fill the credit card eligibility form available on the platform. Based on the information shared, you will get the best of bank credit card apply offers in terms of exciting discounts and cashback. At IndiaLends, we are having 40+ credit cards from the top banks and financial institutions. 2. Keep your KYC documents ready When you are applying for an online credit card, it is important to have the right documentation with yourself. It includes identity proof, address proof, PAN details, income proof, etc., before you apply for a credit card. If still, you are in doubts, before submitting the credit card application, you can get in touch with the executives regarding this to have a smooth and quick credit card approval. 3. Check your credit score before submitting credit card application To get instant credit card approval, it is a must to have a credit score of 750, or above. The higher will be the credit score, the better will be the credit card perks. If the number isn’t what you expected, check your credit reports to see what's causing the problem. You can then start figuring out ways to improve it, from changing your spending habits to disputing an error on your reports, if you need to. 4. Avoid filling multiple credit card applications in a short span Every time you apply for a credit card, it affects your credit score, so if you apply for many cards at once, it doesn’t look good to lenders. It’s better to take your time to find the right card to apply for than to put your eggs in too many baskets. It’s also best to spread out your requests at least six months apart. Bottom line Choosing the best credit card is an important decision, but don’t stop yourself here. You need to make use of the credit card wisely. Pay your bill in full every month and keep your credit utilization ratio max to 30%. Read more - Tips and Tricks To Make the Most of Your Credit Card
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Whether you want to make your travel experience convenient or save more on your regular spending, a Citibank Credit card serves all your needs. To help you in finding the right credit card, here we have listed out the best Citi bank credit cards of 2021 along with the mentioning of the basic eligibility criteria and required documents. Know here Citi Bank Credit Card eligibility
The documents required to apply for Citi Bank Credit Card
Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months’ old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account statement, or any other government-approved address proof Proof of Income: Latest one or 2 salary slips Best Citi Bank Credit Cards
Bottom Line At IndiaLends, you can apply for Credit Cards online in less than 2 minutes. Related Article: Which is the Best Credit Card for You? The personal loan becomes handy at times when any additional expenses crop up. There may be a situation where you are required to pay the additional insurance premium, medical expenses, wedding expenses, or any kind of emergency expenses, you can easily get a Bajaj FinServ personal loan by following these four simple steps: Bajaj FinServ offers personal loans of up to Rs.25 lakh, which you can get access to without having to pledge any asset. Fill the basic details form!
At the time of applying for personal loan Bajaj FinServ, you are redirected to a form. Under this, you need to give personal, employment, and financial details. Apart from that, you were also needed to provide the city of residence, your age for knowing your loan eligibility. Please make sure that all details mentioned should be accurate. Choose the loan amount and Tenor! The next step is to fill the desired loan amount and tenor for instant loan approval. If are not sure about the loan tenure or, EMIs then you can make use of the personal loan calculator to know all about the same and manage accordingly. The best part about applying for a personal loan Bajaj FinServ is that it offers Flexi Term and Flexi-interest loans. There are separate EMI calculators of both. If we talk about the Flexi term loan, here the EMI consists of the interest and principal. If we talk about lighter EMIs, you can repay the principal at the time of loan gets matured with the option of Flexi-interest. Under this, EMI comprises of interest only. Submission of the required documents The Bajaj FinServ believes in giving a doorstep service to its loan applicants, where the representative visits your premises to collect the required document, in case, you have chosen offline mode or unable to attach the required documents at the time of filing an online loan application. It is a collateral-free loan, you are required to submit documents include: - KYC documents - Employee ID card - Salary slips of the previous 12 months - Bank account statements of your salary account, for the previous 3 months Checking the loan application status after submission of documents After filing the loan application, you can use your login details to know your Bajaj FinServ personal loan status via the official website or through the mobile app by following the steps mentioned below:
The process to check Bajaj FinServ personal loan status via the app:
Quick Disbursal Once the documents are submitted and verified, your money will be credited to your bank account within 24 hours. Following the above steps mentioned, you can get a quick personal loan disbursal from Bajaj finance to ease your liquidity pressure. Related Article - A Complete Guide To HDFC Personal Loan The IDFC Bank First Personal loan helps you in meeting personal expenses at ease. Be it a medical emergency, home renovation, or any unexpected happening, apply for IDFC personal loan. The minimum amount you can apply is Rs 1 Lakh and the maximum is Rs 40 Lakh. The tenure of making loan repayment is also quite flexible, it ranges from 12 months to 60 months. The IDFC bank Personal loan interest rate starts from 12%.
Benefits of apply IDFC first personal loan:
The eligibility criteria to apply for a loan with IDFC First Bank: For Salaried Employees The minimum age to apply for a loan is 23 years and the maximum is 52 years. Minimum Net Salary: Rs. 18,000 Salaried Employees who can apply:
IDFC FIRST has joined hands with IndiaLends, an online marketplace that offers the best of IDFC First personal loan interest rate offers for your needs and gets you a step closer to your dreams and goals. If you are seeking a Personal Loan with IDFC FIRST, you can simply fill up an online loan application form after checking your IDFC FIRST Personal Loan Eligibility. Moreover, you can use an online Personal Loan EMI calculator available on our website to calculate your affordability. After submission of your loan application at IndiaLends, you can get an IDFC loan status check on the same platform and receive updates both email and SMS. Conclusion IDFC FIRST is one of the emerging financial institutions in India that provides personal loans to their customers at an attractive interest rate. The aim is to offer multiple credit options to a large number of individuals, the institution offers personal loans to their customers for various purposes. Moreover, a personal loan from IDFC FIRST through IndiaLends will help customers get fast approval on their loan application at good terms and conditions. Read more - Best Personal Loan Interest Rates in India Your credit score is an important aspect of your financial life. The credit score ranges between 300-900. Any score which is 750, or above is considered a good credit score. The factors that decide your credit score are credit inquiries, credit usage, length of credit history, and any new credit.
How important is it to know your credit score before applying for any credit? You cannot maintain your financial life without knowing your credit score. It is a must to check your credit score regularly for faster financial progress. The reason is that credit score is kept on changing, sometimes it goes up, and sometimes it goes down. If you know your score in advance, it will help you in getting quick loan approval and pre-approved credit card offers at the best interest rate. You need to understand if your score is below 750, there are chances higher of loan rejections. Keep in mind that checking your credit score isn't the same as checking your credit report. It consists of a detailed history of your financial life, including any accounts you have, how often you've paid them on time, any delinquencies, bankruptcy reports, flags and messages, write-offs, and inquiries. The report also includes the dates of any changes to your credit history. You can use this history to account for and report any discrepancies. Eligibility criteria to know my credit score
Credit Information Bureau Limited is a credit bureau that is responsible for maintaining and calculating your credit score. CIBIL is one oldest credit bureaus, there are mainly three bureaus where you can check your credit score, Experian, CRIF High Mark, and Equifax. Each credit bureau is making you know your credit score independently based on your credit information offered by banks and NBFCs regularly. Each credit bureau has its model for calculating your credit score; hence, your score from each bureau is likely to vary. Once in 12 months, you can download your credit report for free with these bureaus. At IndiaLends, you can check credit score for free, with monthly updates. We have a partnership with Experian, that enables you to check, track and build your credit score– At absolutely zero cost. Please note that checking your credit score does not have any impact on your score. So, know my credit score are only few clicks away. Personal Loan Balance Transfer: Way to save more on EMIs and reduce the burden of existing loan5/27/2021 The Personal loan Balance Transfer is a procedure through which borrowers can save more on EMIs by transferring the high-interest loan from one lender to another that is offering a low-interest rate. Online there many NBFCs and banks are available that are offering the facility of a balance transfer to help in reducing the cost of borrowing.
The best part about the personal loan balance transfer is that you are not required to provide any collateral to the bank or NBFCSs for getting the low personal loan interest rate loan. Only some foreclosure charges, processing charges including stamp duty on loan agreement are required to be paid. Features of Personal loan balance transfer Low personal loan interest rates: Personal loan balance transfer will reduce the interest burden as the new lender will offer a lower rate of interest on the loan transfer that results in saving more on EMIs. Best way to consolidate the high-interest debts. Longer repayment tenure: The Balance transfer make it easier to negotiate on the loan terms as you may also get an offer to extend your loan repayment tenure. It will help in reducing the monthly EMI burden. Though opting for a short tenure may result in higher monthly EMIs, it may help to reduce the total interest payout of the loan. Makes you enjoy the top-up loan facility: Based on your past payment records, the lender may also offer you benefits like waiver of last EMI, nil processing fees, low personal loan interest rates, etc. The personal loan balance transfer facility can thus not only reduce the personal loan interest burden, but it may also get the borrower a loan with better features. Know about Personal loan balance transfer eligibility criteria You get the best personal loan balance transfer offers if you are having a good borrowing capacity which is evaluated with your credit score and repayment history. Online there are many personal loan eligibility calculators are available that will help you to know the eligibility of transferring the outstanding personal loan balance. Some common criteria that hold for balance transfer of persona loans to most banks include:
Check here for the best personal loan balance transfer offer. We IndiaLends are one of the best digital lending platforms. We have collaborated with multiple banks and NBFCs to get you the best interest rate. Apply for the Personal loan balance transfer with IndiaLends and reduce your overall debt burden. The best way to save your money is to opt for a low-rate loan. Here are proven six ways using which you will be able to obtain the loan at a lower interest rate.
1. Meet the eligibility criteria of the lender Eligibility is one of the most important factors that help you to get approved for a personal loan easily. If you meet the desired eligibility criteria set by the lender, the chances of your loan approval would be much higher. Therefore, before applying for a loan, you need to check your eligibility first and then apply. Here are the basic personal loan eligibility criteria to get an online loan:
2. Maintain a good repayment history You should have a good repayment history to get unsecured loan at a lower rate. To maintain that, try to pay your credit card bills and loan EMIs always on time. If your repayment history is good you have a better chance to negotiate for the interest rate with the lender. 3. You should have a good credit score Credit rating is one of the most important factors that influence your ability to get a loan at a low rate. Before sanctioning you a loan, your lender will evaluate your credit score to gauge your creditworthiness. You should have a credit score above 750, it will more likely to increase your loan approval chances and will also help you to get the loan at a low-interest rate. You can maintain such kind of a score by keeping your credit utilization ratio within the 30 per cent limit, reviewing your credit reports regularly and by maintaining a mix of both secured and unsecured loans. 4. Maintain a good relationship with your lender The kind of relationship you maintain also holds importance when you apply for any credit. If you are a loyal customer and you have maintained a good relationship with them, your lender is more likely to offer you a loan at a relatively cheaper interest rate and better service terms due to your pre-existing relationship. 5. Compare offers from multiple lenders Before applying for an unsecured loan, you should always try to cross-check and compare the rate of interest offered by the various lenders online. In-depth research will help you to get a loan at a low rate of interest along with the best features. 6. Apply for the loan during the festive season The banks and NBFCs launch attractive schemes during the festive season, try to apply for the loan at that time to save your money. So, if you are planning to apply for a personal loan to tackle your immediate financial expenses, keeping the above-mentioned ways in your mind will help you to get the best personal loan interest rate easily. Any individual who wants to apply for credit cards from ICICI Bank, the process is quite simple and hassle-free.
Here are the eligibility criteria you need to meet for getting a credit card from ICICI Bank- 1. Nationality: The applicant must be an Indian National Citizen. 2. Age: The applicant’s age to apply for an ICICI Credit card should be a minimum of 23 years old. 3. Net Monthly Income: Monthly salary of a credit card applicant should be Rs. 20,000 and for self-employed, earning should be Rs. 300,000 on an annual basis. 4. Credit Score: You should have a good credit score i.e. 750 and above. Documents required to apply for ICICI Credit Cards- 1. Proof of Identity: PAN Card, Aadhaar Card, Voter’s Id, Passport, Driving License 2. Proof of Address: Aadhaar Card, Passport, Utility bills of not less than 3 months, or any government approved ID Proof 3. Proof of Income: Latest 3 months’ salary slips How to track your ICICI credit card status online? After applying for an ICICI credit card, you can easily check the status of your application online by using your reference number and your registered mobile number. To check your ICICI credit card status and other credit card details, you can call on the bank's customer care number. Read more - Which is the Best Credit Card for You? The personal loans are considered as the most viable means to meet all the financial requirements. The loan amount can be used for any reason as per your need be it is your wedding expenses, educational fees, medical expenses, or any kind of emergency expenses. With the help of the best personal loan offer, you can make urgent payments with ease. It is the most sought-after loans in the financial market if you get considerable interest rates. Here are the tips through which you can the best personal loan rates:
Having a good credit score: When you are going to apply for a personal loan, you must ensure that you have a strong credit history and report. Any score above 750 is considered a good credit score, which will give you an upper hand when you make negotiations with the bank. To get the best interest rate on a personal loan, always try to build a clear credit history. For this, you need to review your credit report frequently. Prefer to avail of the benefit of Seasonal offers given: Financial institutions give seasonal personal loan offers from time to time. Through these offers, you can get personal loan interest rates that are much lower than those regularly offered. Please keep in mind that these offers one can only be availed for limited periods. So, always keep an eye lender’s notifications you received either on your mail or through SMS. Always maintain a good relationship with the lender: A lender is likely to give the personal loan offers at much better interest rates, if you are a loyal customer. Customer loyalty is determined based on the relationship with the lender and your repayment behavior. A good relationship and payment history will always help you in increasing increase the chances of availing a loan in a hassle-free manner with the best personal loan interest rates. Prove professional credibility A financial institution always believes that an employee who belongs to a well-reputed company and earning a significant salary makes for a great loan-candidate. Thus, if you work for a reputed organization, you can use this to get a personal loan with attractive interest rates. Apart from following the above tips, always try to make a conscious effort for building up your credit score by following tips:
Read more - Best Personal Loan Interest Rates in India RBL Bank is one of the popular banks that offers a wide variety of credit cards to meet the diverse needs of its customers. You can track the RBL Bank credit card application with online and offline methods. Here is a step-by-step guide along with all the information you need. Online method -
Step 1: Go to the RBL Bank 'Track your online application status page'. Step 2: Now, enter your ‘Reference Number’ and ‘Mobile Number’ in the respective boxes on the page and click on the 'submit' option. Step 3: You will be able to view your RBL credit card application status here. After performing the above-mentioned steps, you will be shown the various stages of your credit card application status such as In-progress, Dispatched, On-hold, Disapproved and No records found. You will also receive the message from the bank if your credit card is dispatched for delivery. In the case of Disapproved, no records found and On-hold, you will have to contact the RBL customer care to know the exact reason. Offline methods- The online method is much easier if you do not have access to the internet, in that case, you can check your RBL credit card status offline as well. Make sure to have the reference number handy before you reach out to the bank. Via Customer Care You can also place a call on the bank's customer care or mail them for any queries related to your credit card application status. Via RBL Local Branch You can also visit your nearest RBL branch and know your RBL credit card status. You will be asked for your application form number or application reference number to give you an update on the application status. EndNote... These were the easy ways using you can easily track the application status of your RBL credit card. Alternatively, you can also track your application status through our website IndiaLends after applying and checking eligibility. On our website, you can also cross-check and compare various RBL credit card offers and make the best decision. Read More - Which is the Best Credit Card for You? |