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Do you require credit card when you start a job? - Likeitgirl

One of the many advantages of having a credit card is that it helps in digital shopping. There are many attractive perks of having one, and so everyone wishes to have the best credit card in India. Keeping all those lagniappes in mind, should you get a credit card when you start a job? Well, the answer is going to provide you with a lot of exciting pieces of information.

How do you get a credit card? The eligibilities and requirements for the credit card are:

To get yourself the best credit card in India, you can analyze each card’s benefits and perks. Usually, you can apply for a credit card online, and it has an easy approval process. The approval is swift, and the process of delivery takes around seven-to-ten working days. After that, the physical card is delivered to you via mail.

How is a credit card different from other cards, and how does it help you?

Credit cards are different from conventional debit cards on a lot of fronts. For example, debit cards work on a budget, and credit cards work on a revolving line of credit. While debit cards are easier and faster to use, credit cards are more secure and less susceptible to theft. And when you get a credit card, it opens new doors of opportunities and savings. Several benefits come with it like:

When you spend using your credit card, it saves money:

While spending and saving together may sound ironic, it is true. When you make purchases using a credit card, you get discounts. And with the trend where everything is going cashless, a credit card will help save money when you shop online. Rewards range from direct cashback to flat offers and points. In addition, you get discounts on e-commerce purchases, flight tickets, recharges, etc. So, it buys you the time and the liberty to get what you want even if you be short of funds.

It helps strengthen your credit scores and reputation:

Using your card with due diligence is of crucial importance because it builds your credit reputation. How well you use your credit card will influence the loans you opt for in the future, be it home loans or personal loans. If you pay your dues promptly, your credit score goes up, and this score establishes your credibility. Credit bureaus and banks will evaluate your creditworthiness on this basis.

The best ways to increase your credit scores include:

  • Avoid multiple credit inquiries
  • Pay your credit card dues regularly
  • Keep your card credentials private and protected from risks.

It saves you from fraud:

Your credit card will save you from fraud. There have been reports of fraudsters cheating people on the pretext of issuing credit cards. If you get credit card during the early days of your employment, you’ll know the process involved. It will save you from potential threats of embezzlement and phishing. Usually, the customer support offered by banks is transparent and consists of a set of procedures and compliances.

It helps relieve momentary financial stress:

If you face a temporary financial crunch, a credit card can be a godsend. Credit cards help to reduce the load by channeling it into installments. Therefore, when you are new to a job, having a credit card helps. It can give you a sense of financial security apart from occasionally saving you some money. It is always necessary to have some additional financial assistance.

It helps you in paying large bills and make big purchases:

Imagine a card that allows you to fulfill your past aspirations, like that of traveling the world. A credit card helps here as well. If you maintain a good credit score, your credit limit increases, allowing you to make more significant transactions. When you get a credit card, it gets you attractive offers on flight bookings to the place of your dreams as well.

It is all about caution and diligence:

If you are cautious and use your card intelligently, it will always be a win-win situation. You can easily avoid large interest rates and late fees by paying your dues promptly. One way to do it is to schedule payment reminders and duly follow them. It proves your reliability and builds a strong repo with the bank you choose. If you make what experts may call ‘a good credit relationship’, it will help in the long run.

Another advantage of a credit card is that there is no foreign transaction fee levied.

If you are clear about your purpose, you can choose to get a credit card when you have a job. There is no element of risk involved, and your interests are secured. When you assess your needs and wants, getting yourself the best credit card in India will be easy.

Also Read: Applying for a credit card? Ask yourself these 6 questions first

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