Credit cards are safer to carry than cash and offer stronger fraud protections than debit. You can earn significant rewards without changing your spending habits. It's easier to track your spending. Responsible credit card use is one of the easiest and fastest ways to build credit. 

Click on this link to know more:- https://www.articledaisy.com/everything-you-need-to-know-about-credit-card-reward-redemption/

Here’s a list of key Credit Card benefits:​​​​​​​

Convenience: Why carry wads of cash around when you can pay with a simple swipe of your card? A Credit Card is one of the simplest ways to pay for anything – no more counting out change or writing cheques, just present the plastic! You can even link your card to your digital wallet, which allows you to scan and pay without even having to carry your card in your wallet. 

Recurring payments: While Credit Cards are great for one-time payments, you can also set it up to automatically make recurring payments such as your phone, electricity or gas bills. No more will there be a chance of forgetting to pay bills on time and facing penalties or disconnection.

Recharges and tickets: One of the biggest Credit Card benefits over cash is the ability to pay for a wider range of online services. For example, you can’t buy flight tickets or recharge your mobile phone with cash on delivery. You can easily pay for them through a Credit Card.

Interest-free credit: A Credit Card comes with a grace period between purchase and payment (could be up to 50 days) during which the bank does not charge any interest. This is a perfect example of buy now and pays later. 

Rewards: Every time you pay using an HDFC Bank Credit Card, you earn Rewards. You can redeem these rewards for exciting gifts and vouchers such as free shopping trips or even free flight tickets. 

CashBacks and discounts: From fuel surcharge waivers to great online shopping deals, your HDFC Bank Credit Card opens the doors to a host of CashBacks offers and Reward Points, especially with selected offline and online merchants. 

It’s easy to get in the habit of using a credit card when you make purchases. It can be a simple and fast way to pay—whether you like the convenience of not carrying cash or are all about earning rewards when you spend.

But what about your other credit card habits? Are you using your card in a way that helps—or hurts—your credit?

Click on this link:- www.apsense.com/article/how-to-us…-responsibly.html

1. Read Your Card Agreement and Know Your Terms

When you open a new credit card account, be sure to carefully read the credit card customer agreement and the account opening disclosures. This way, you’ll know what to expect when it comes to due dates, fees, interest rates, and other information.

2. Make Payments on Time

As the Consumer Financial Protection Bureau (CFPB) explains, you should make your payments on time, every time. That’s because your payment history is an important factor when it comes to your credit scores. And missed or late credit card payments can not only affect your credit—they can lead to late fees and interest rate increases, too.

3. Pay More Than the Minimum

Making your credit card minimum payments on time every billing cycle helps you avoid penalties and fees. And paying the minimum keeps your account in good standing. But if you only pay the minimum, you’ll be carrying a balance. And you’ll be charged interest on that balance.

4. Stay Below Your Credit Limit

Only use the credit you really need. Better yet, stay well below your credit limit.

Why? Your credit scores could be affected by your credit utilization ratio—how much of your available credit you’re using. And the lower your credit utilization ratio, the better your credit score might be. In fact, the CFPB recommends using no more than 30% of your credit limit.

5. Check Your Monthly Statements Carefully for Accuracy

Regularly checking your credit card statements—either online or when they arrive in the mail—can be a great way to keep your spending top of mind. It can help you spot transactions you don’t recognize. And that could help protect you from fraud.

6. Report a Lost or Stolen Card Immediately

Report your card lost or stolen if you’re missing your card or think someone stole your account number. When you do, your card issuer will deactivate your old card so no one else can use it. And you can tell the issuer if there are purchases on your account that you didn’t make.

7. Monitor Your Credit

It’s always a good idea to keep a close eye on your credit. Monitoring your credit can help you keep track of where you stand. And it’s another way to help you spot errors and potential fraud attempts that could be hurting your credit.

Click here on this link to know more about credit cards.

Different Types Of Credit Cards Explained!

Credit Cards are small-sized plastic cards that can make life very simple. These cards allow you to purchase goods and services on credit, the money for which you can return at the end of every month. You can choose to pay the full amount of credit that you have borrowed from your credit card issuer or a minimum fixed amount every month. In case you pay only the minimum amount, remember that you will be charged interest on your outstanding balance. There is a credit limit set for you by your card provider.

Click on this link to know more:- https://vocal.media/trader/different-types-of-credit-cards-explained

• SBI Gold & More Credit Card
• SBI Student Plus Advantage Credit Card
• SBI Advantage Plus Credit Car
• BMB Gold & More Credit Card
• HSBC Bank Gold credit card
• PNB Global Gold Card
• Canara Global gold credit cards
• Bank of India Navy Gold
• Bank of India visa Gold Card
• Bank of India Visa Gold International Card