suggestions for getting a credit card
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nish_higher
Wise Old Owl
hey i too got the same question.till now i m using my mom's cc but now i wanna get my own.i got a debit card though.so u guys mean SBI Credit card is better?
hailgautam
Youngling
None of the banks now charge annual fee. (for me at least).
yes citi bank has good service but they are too security conscious, even hsbc gives you a rsa token to log into their site. i think hdfc is best, doesn't bother you much. icici is convenient but their customer service is most pathetic - a must avoid bank - irrespective of so many awards they get.
but i advise to everyone don't ever take any credit cards.
yes citi bank has good service but they are too security conscious, even hsbc gives you a rsa token to log into their site. i think hdfc is best, doesn't bother you much. icici is convenient but their customer service is most pathetic - a must avoid bank - irrespective of so many awards they get.
but i advise to everyone don't ever take any credit cards.
Ponmayilal
Attitude matters
hmmmmm.....................I also had such a policy till a few years back.But finally the sheer convenience compelled me to go for one.With an international credit card in my purse, I was able to purchase quite a few computer peripherals from various malls such as Circuit City,Best Buy, frys electronics etc., and also order software online.
Yes, purchasing online with a credit card has its own risks involved.Atleast twice in the past two years, my card issuing bank informed me that my credit card details were out to hackers who had compromised the merchant's servers. Once they blocked my card and issued a new one . Next time I advised them not to bother since my card is expiring anyway in April 2008.I have deliberately kept my credit limit to a low Rs.27000 and if someone swipes my card account , I don't care
And ya........ the suggestion is to keep the credit limit to as high or a low amount, that you consider you won't mind loosing.
If on the other hand you do mind loosing even a penny and loose sleep on it for years, then a card is not for you.It is as simple as that.
Yes, purchasing online with a credit card has its own risks involved.Atleast twice in the past two years, my card issuing bank informed me that my credit card details were out to hackers who had compromised the merchant's servers. Once they blocked my card and issued a new one . Next time I advised them not to bother since my card is expiring anyway in April 2008.I have deliberately kept my credit limit to a low Rs.27000 and if someone swipes my card account , I don't care
And ya........ the suggestion is to keep the credit limit to as high or a low amount, that you consider you won't mind loosing.
If on the other hand you do mind loosing even a penny and loose sleep on it for years, then a card is not for you.It is as simple as that.
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