Want to Close Your Credit Card? Easiest Way! in Punjabi | ਕੀ ਤੁਸੀਂ ਆਪਣਾ ਕ੍ਰੈਡਿਟ ਕਾਰਡ ਬੰਦ ਚਾਹੁੰਦੇ ਹੋ?
What Credit Card is Easiest to Get?
In this day and age, having a credit card is almost a must. Credit cards can be used to make purchases online and in stores, and can also be used to build credit. But the question is, which credit card is the easiest to get?
The answer to this question depends on a variety of factors. A person’s credit score, income, and other financial factors all play a role in determining which credit card is the easiest to get. Generally, credit cards that are easier to get are usually secured cards, or cards with a lower credit limit.
Secured Credit Cards
A secured credit card is a type of credit card that requires a deposit to be made before use. The deposit is used as collateral and is usually equal to the credit limit of the card. This type of card is ideal for those who have bad or limited credit, as it is the easiest credit card to get.
Secured cards are typically issued by major banks and credit unions, and can be used just like any other card. The advantage of a secured card is that it is much easier to qualify for than a traditional credit card, as it does not require a credit check.
Store Credit Cards
Store credit cards are a great way for those with limited or bad credit to build their credit scores. These cards are issued by major retailers, such as Walmart, Target, and Best Buy. They are typically easier to get than traditional credit cards, as the credit limit is usually much lower.
These cards offer rewards and discounts on purchases made at the store. However, they tend to have higher interest rates than traditional credit cards. Additionally, store credit cards are often only accepted at the issuing store, so they are not as useful as traditional credit cards.
Prepaid Credit Cards
Prepaid credit cards are another option for those with limited or bad credit. Prepaid cards are not issued by a bank or credit union, but rather by a third-party provider such as Visa or Mastercard.
Prepaid cards are easy to get, as they do not require a credit check. However, they are not as useful as traditional credit cards, as they cannot be used for purchases online or in stores. The funds on the card must be deposited in advance, and the card can only be used for the amount of money deposited.
Student Credit Cards
Student credit cards are a great option for students who are just starting out. These cards are issued by major banks and credit unions, and are designed for students who have limited or no credit history.
Student credit cards typically offer lower interest rates and more generous rewards than traditional credit cards. Additionally, they can help students build their credit, as most issuers report to the major credit bureaus.
• Secured credit cards are the easiest credit cards to get, as they do not require a credit check.
• Store credit cards are easier to get than traditional credit cards, but have higher interest rates and may only be accepted at the issuing store.
• Prepaid credit cards are easy to get, but cannot be used for purchases online or in stores.
• Student credit cards are designed for students and offer lower interest rates and more generous rewards than traditional credit cards.
People Also Ask Questions and Answers
Q: What is the best credit card for bad credit?
A: Secured credit cards are the best credit cards for bad credit, as they do not require a credit check.
Q: What is the easiest credit card to get with no credit?
A: Store credit cards are the easiest credit cards to get with no credit, as they do not require a credit check.
Q: What is the best credit card for students?
A: Student credit cards are the best credit cards for students, as they offer lower interest rates and more generous rewards than traditional credit cards.
What credit card is easiest to get? – 5 Tips
ਕੀ ਤੁਸੀਂ ਆਪਣਾ ਕ੍ਰੈਡਿਟ ਕਾਰਡ ਬੰਦ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ? ਸਭ ਤੋਂ ਆਸਾਨ ਤਰੀਕਾ! || Want to Close Your Credit Card? Easiest Way! || bekifaayati Punjabi #shorts
ਰਿਜ਼ਰਵ ਬੈਂਕ ਨੇ ਹਾਲ ਹੀ ਵਿੱਚ ਕ੍ਰੈਡਿਟ ਅਤੇ ਡੈਬਿਟ ਕਾਰਡਾਂ ਦੇ ਨਿਯਮਾਂ ਵਿੱਚ ਸੋਧ ਕੀਤੀ ਹੈ, ਜਿਸ ਵਿੱਚ ਕ੍ਰੈਡਿਟ ਕਾਰਡਾਂ ਨੂੰ ਬੰਦ ਕਰਨ ਨਾਲ ਸਬੰਧਤ ਨਿਯਮ ਸ਼ਾਮਲ ਹਨ। ਇਸ ਨਾਲ ਸਬੰਧਤ ਵਿਵਸਥਾਵਾਂ ਪਹਿਲੀ ਜੁਲਾਈ ਤੋਂ ਲਾਗੂ ਹੋ ਚੁੱਕੀਆਂ ਹਨ।
ਕ੍ਰੈਡਿਟ ਕਾਰਡਾਂ ਦੇ ਬੰਦ ਹੋਣ ਬਾਰੇ ਆਰਬੀਆਈ ਨੇ ਸਪੱਸ਼ਟ ਤੌਰ ‘ਤੇ ਕਿਹਾ ਹੈ ਕਿ: ਕ੍ਰੈਡਿਟ ਕਾਰਡ ਨੂੰ ਬੰਦ ਕਰਨ ਦੀ ਕਿਸੇ ਵੀ ਬੇਨਤੀ ਨੂੰ ਕ੍ਰੈਡਿਟ ਕਾਰਡ-ਜਾਰੀਕਰਤਾ ਦੁਆਰਾ 7 ਕੰਮਕਾਜੀ ਦਿਨਾਂ ਦੇ ਅੰਦਰ ਸਵੀਕਾਰ ਕੀਤਾ ਜਾਵੇਗਾ, ਕਾਰਡ ਧਾਰਕ ਦੁਆਰਾ ਸਾਰੇ ਬਕਾਏ ਦੇ ਭੁਗਤਾਨ ਦੇ ਅਧੀਨ।
ਕਾਰਡਧਾਰਕਾਂ ਨੂੰ ਕਈ ਚੈਨਲਾਂ ਜਿਵੇਂ ਕਿ ਹੈਲਪਲਾਈਨ, ਸਮਰਪਿਤ ਈ-ਮੇਲ-ਆਈਡੀ, ਇੰਟਰਐਕਟਿਵ ਵੌਇਸ ਰਿਸਪਾਂਸ (ਆਈਵੀਆਰ), ਵੈੱਬਸਾਈਟ ‘ਤੇ ਪ੍ਰਮੁੱਖ ਤੌਰ ‘ਤੇ ਦਿਖਾਈ ਦੇਣ ਵਾਲੇ ਲਿੰਕ, ਇੰਟਰਨੈੱਟ ਬੈਂਕਿੰਗ, ਮੋਬਾਈਲ-ਐਪ ਜਾਂ ਆਦਿ ਰਾਹੀਂ ਕ੍ਰੈਡਿਟ ਕਾਰਡ ਖਾਤੇ ਨੂੰ ਬੰਦ ਕਰਨ ਲਈ ਬੇਨਤੀ ਦਰਜ ਕਰਨ ਦਾ ਵਿਕਲਪ ਪ੍ਰਦਾਨ ਕੀਤਾ ਜਾਵੇਗਾ। ਕੋਈ ਹੋਰ ਮੋਡ.
ਕਾਰਡ-ਜਾਰੀਕਰਤਾਵਾਂ ਦੁਆਰਾ 7 ਕੰਮਕਾਜੀ ਦਿਨਾਂ ਦੇ ਅੰਦਰ ਬੰਦ ਕਰਨ ਦੀ ਪ੍ਰਕਿਰਿਆ ਨੂੰ ਪੂਰਾ ਕਰਨ ਵਿੱਚ ਅਸਫਲ ਰਹਿਣ ਦੇ ਨਤੀਜੇ ਵਜੋਂ, ਖਾਤਾ ਬੰਦ ਹੋਣ ਤੱਕ, ਗਾਹਕ ਨੂੰ ਦੇਰੀ ਲਈ 500 ਰੁਪਏ ਪ੍ਰਤੀ ਦਿਨ ਦਾ ਜੁਰਮਾਨਾ ਲਗਾਇਆ ਜਾਵੇਗਾ।
RBI has recently amended rules regarding credit and debit cards, including those relating to closure of credit cards. The provisions relating to this have already come into effect from July 1.
W.r.t closure of Credit Cards RBI has clearly stated that : Any request for closure of a credit card shall be honored within 7 working days by the credit card-issuer, subject to payment of all dues by the cardholder.
Cardholders shall be provided an option to submit request for closure of credit card account through multiple channels such as helpline, dedicated e-mail-id, Interactive Voice Response (IVR), prominently visible link on the website, internet banking, mobile-app or any other mode.
Failure on the part of the card-issuers to complete the process of closure within 7 working days shall result in a penalty of Rs 500 per day of delay payable to the customer, till the closure of the account.
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