Personal Finance In India

Everybody loves hassle free shopping. Unfortunately, there comes certain situation when we have to undergo sour shopping experience. The reasons might be aplenty but one of the most chief reasons is financial shortfall that deprives us from buying anything favourite. 

There are a lot of people who have to undergo such financial shortfall syndrome at times even though they carry sufficient cash money with them. In fact, there comes a time when people don’t shop according to the way it was planned. When they step in a mall for shopping, they have come across different types of things luring them. 

Jewellery shops, garment stores and a lot more stores are there with dazzled articles and attractive adjustments in order to impress customers. Most customers buy them intuitively regardless of knowing whether or not they planned for it. However, the moot point is whether or not we have sufficient finance at the time of buying such product that we consider worth buying.

Using debit card is also one of the best ways to enjoy shopping. However, one of the most conspicuous problems of such card is that users can’t use it once the balance is run out completely or available balance is not sufficient against the cost of particular goods or things. For example, you wish to purchase a laptop costing Rs 30000 but your debit card has only Rs 20000. 

Ostensibly, you won’t be able to purchase the laptop. Either you have to arrange money from friend or cancel the ideal of buying at that time. In both conditions, your shopping experience ends up a nasty feeling that you will certainly not welcome. 

However, introduction of credit card has really changed the way we shop today. It is one of the most trustworthy systems for making financial transaction today.

Credit card assures you giving absolute shopping experience. There are several types of such cards available in the market today and some of them have Rs 2 lakh credit limit so that users can maximise the ecstasy of shopping. 

Moreover, they also come with grace period feature whereby users are given certain period within which they are supposed to make payment. For example, if you are given 50 days of grace period, you can easily make payment against the cost of Rs 10000 through your income from employment or business. 

Though, users should use the card appropriately to avoid unnecessary bills, the relevance of such card can’t be ignored today. Therefore, you should have a card so that you don’t experience problematic shopping experience.

Credit card plays important role in redefining the pleasure of our lifestyle. It removes problem of how to make payment against goods or services that we wish to purchase. You can avail card for your need from various lenders in the country.