bring them to the notice of your card issuer.Ĭlick here for a detailed account on dos and don’ts related to the safety of your credit cards. Whenever you get such mails, calls, SMS, etc. Banks or your card issuer, will never ask for this information from you. Refrain from responding to correspondences that asks for your Credit Card number, expiry date, CVV or password/OTP details. Make a strong password(combination of Upper case, numbers & special characters) for the online account of your credit card and do not share your password with anyone. Keep your Credit Card, CVV and helpline numbers saved with you separately and in case of card loss or theft, immediately inform your card issuer and get the card blocked.Īlways log in into your credit card account from a secure computer that is malware free. Also, before signing the charge slip, check the amount printed on it. When you shop, make sure that the card is not out of your sight and you have collected your card at the end of the transaction. This way you can save on the amount you repay.Īvail credit cards from institutions that follow national & international standards for secure transactionsĭo not hand-over your credit card to people, whom you do not know. There is no grace period on cash advances from a credit card.Įxploring lower rate of interest options for payments: In case of unexpected expenses, it is better to talk to your credit card company and explore different options that you can take advantage of, such as availing low interest credit options.

But avail this service only at the time of emergency because cash advances are levied with charges, which you start paying from the day you have taken the advance. Learn about cash advances: Credit Cards give you the freedom of taking cash advances. Cancelling such cards impact your credit score. Avoid closing cards that still have outstanding balance to be cleared or those that make a significant amount of your credit history. When you decide to close a Credit Card, make sure all payments have been made and there are no pending dues. Know how to cancel your Credit Card: Knowing how to cancel your card is as important as knowing how to use it.

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