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Imagine Tim Heed Jersey , you receive your first pay-check, and you are lost on how and where to invest it. Questions like, 鈥榳hat if I go into debt?' or 鈥楬ow to sort the options?' You require a secured place, and for that, you need to create a treasure box. Banks provide such boxes in the form of salaried Melker Karlsson Jersey , savings and current account facilities. This way new employees can take their first step towards financial planning.

Once the account is in place, you can apply for a debitcredit card to smoothen your financial transactions. However, first-time office goers tend to use credit cards recklessly. The following guide should assist the beginners on how to go about using credit card in India:


Do not hamper credit score: Many times, credit card payment dues affect your credit score. Some other factors that affect your credit score are your accounts duration period, how much money you hold in the account Kevin Labanc Jersey , etc. In the longer run, you do want to purchase a car or a house. If you keep the above factors under check, your credit score will be unaffected and will make it convenient for for you to obtain insurances, loans, etc. smoothly.


Keep track of billing cycle: Just like we mark important birth and anniversary dates on the calendar Justin Braun Jersey , mark a day every month for paying your bills as well. This way you can keep aside the necessary amount for the month.


Keep a check on interest rates: Credit cards incur different interest rates for balance transfers, purchases, etc. In case you opened the account recently, you might even have promotional rates. If you know you will not make balance transfers or investments; you do not need to keep up with those rates. However, do check on the changes on the interest rates that can be seen on your billing statement.


Beware of late payment fee: If you do not adhere to minimum payment on your credit card which is 5 per cent of the statement within the stipulated time Tomas Hertl Jersey , be prepared to pay the late payment fee. The payment fee is standardized for credit card in India. These late payments affect your score in turn.


Be responsible: Do not fall into the category of 鈥榞ot-to-have-it-now, pay-it-later.鈥?Try to coordinate your needs and budget.


There are different types of credit cards for every individual. Those are:


Silver credit card: It can be availed by anyone who falls under nominal salary range. The person should have 4-5 years of work experience


Gold credit card: Those who earn higher income can obtain a gold credit card. These people should possess a good credit score.


Classic credit card: These cards come with additional perks such as global acceptance, revolving credit, cash advance, interest-free credit period Martin Jones Jersey , reward programs and dedicated customer care service.


Credit cards for women: Certain banks have credit cards specially designed for women. These cards focus on rewards and cashback deals.


Titanium credit cards: This kind of card come with plenty of privileges for its customers. The key benefit is the titanium reward program that includes redemption of air miles and gifts, cashback offers, surcharge waivers, annual fee reversals, vouchers from retail brands Joonas Donskoi Jersey , dining benefits, etc.


Platinum credit cards: It is the most popular type of credit card and owned by several users. They offer benefits for shopping, entertainment, dining, etc. They charge a very high fee on the annual joining and renewal.


Rewards credit card: This card offers rewards on every transaction. This way users can earn reward points at retail stores and e-commerce websites. Besides these Joe Pavelski Jersey , customers can also get renewal bonus, welcome gift, birthday gift, as reward points.


Corporate credit cards: These cards are generally offered for business purposes so that the company can provide credit cards to their employees and conveniently manage their finances.

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Many of us are aware of what is appropriate and what's not during our daily encounters with others. However, it seems like manners and consideration for others goes out the window once we step behind the wheel. Here are a few politeness on the road tips to help make the roads a better place.

If another driver lets you merge into their lane out of Brent Burns Jersey , it's considered polite to at least acknowledge the fact that they let you in. A nod, or a wave and a smile would be nice. Some drivers completely ignore the kind person who let them in and just carry on as if they expect others to just automatically let them drive in fron.

Don't follow too closely; some drivers are in a hurry and think it is ok to ride your tail without any space in between. This won't give you sufficient time to brake if you need to. Some rude drivers like to ride on your tail because they want to go faster but can't pass you; perhaps all the lanes are tied up. So they think they can make you go faster by driving close behind and "pushing you". This can result in the other driver become frightened or aggressive and pressing the brakes in order to get the other driver to back up. Tailgating isn't a good idea ever.

One of the rudest you can do is litter while you driving. When you are travelling at a fast speed (such as on the highway), when your litter, your trash can actually hit the car behind you. It's not fun to be driving and then get hit with someone else's dirty food or napkins. Remember that it is illegal to litter on the road in many states and doing so can lead to massive fines if you are caught.

Don't talk on a handheld phone when driving. The reason why this is rude is because it is super disrespectful to the person in front of you. How would you like it if the person behind you wasn't paying any attention? Wouldn't you feel disrespected or a bit worried that they might hit your car?

Try to drive with the flow of traffic wherever you can. Going 50 miles per hour on the fre. Wholesale Authentic Jerseys Wholesale Jerseys China Free Shipping Wholesale NHL Jerseys Free Shipping Wholesale NFL Jerseys Free Shipping Wholesale Authentic College Jerseys Cheap Jerseys Cheap College Jerseys Cheap Wholesale New Nike NBA Jerseys Wholesale Jerseys China Wholesale Jerseys From China