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You can get a credit card with the salary of Rs.10,000, but with only few banks cards will be provided.
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If you are considering a loan then opting for a Personal loan is advisable because Credit Card's interest rates are huge when compared to Personal loans. Credit Card Interest rates are between 2.5 to 3 % per month which comes out to be 30 – 36% per annum, whereas Personal Loans are available from rates starting at 10.99% per annum at present.
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2.Passing over rate shoppingYou should always do a thorough research before getting a credit card. Credit card mistake 101 is passing over APR shopping . APR stands for Annual Payment Rate it is the rate of interest you have to pay on the funds borrowed if you just make the minimum payments . It is basically the cost you pay for someone else’s funds. This includes any fees or additional costs associated with the transaction but does not take compounding into account.
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