#sliceit

Part One 

The slice application usages

It has an unparalleled investigation and strong tales about organizations in India and Southeast Asia from grant winning writers for the slice application. Incorporates admittance to long form has probably the premium bulletins across a scope of themes relying upon your advantage and our highest level digital broadcast.

Decode the main movements for slice card challenger occurring around business, innovation, new companies and medical care. On the whole through a blend of unique detailing, delightfully imagined information and infographics, and conveyed as a convincing account story. Our endorsers incorporate chiefs and pioneers from the world's best organizations, understudies at slice super card top post-graduate grounds, and brilliant, inquisitive individuals who need to see how business is forming the fate of India and Southeast Asia.

The simplicity of acquiring a Mastercard through Slice was a significant draw for Manie. The whole interaction happens through Slice card application, with endorsement occurring in as little as a couple of hours. One huger driver was Slice's markdown contributions on web-based stages, an explanation that was refered to by everything except one of the eight Slice clients The Ken talked with. There are many offers that are given by this application which can useful for the people using the for the slice payment app.

The benefits on getting the credit card with cibil score

1. The pay bills on time is the important one to build a good cibil on the paying the credit cards bills to bring it on time.

2. The aspects of the bills on time are required as the cibil score can make the total due to amount on the good cibil scores as well.

3. Due amount should be build on the score with the repayment scores on building the highest of the amount.

4. Having a credit card on the controlling the card express from the lucrative time will get to know on the understanding the payment from the low capacity.

5. Most of the income and the payment will build on the due amount that gets carry over a bill on time with the spending amount.

6. The cibil score on the other hand makes it get it worth for the people of having the capacity from the difficulties as credit cards can get the paying amount as well.

Part One

What is the basic eligibility documents needed for a student credit card?

These documents are the simple one where every student will be having with them. So here is the list of the documents that are needed.

1. Birth certificate

2. Identity card which was issues by the university or the college

3. Residential address proof

4. Recent passport size photograph

5. PAN card

These are all the important documents for a student to provide while creating a account for student credit card.

Features of creating student credit card

* The credit limits that has a lower card limit on the offers provided by the banks could bring the better investment on the ensuring the work form the results of some debts.

* The card validity is the important to check on the often and then update it as it requires tp get updated.

* Duplicate or the free card delivery can get the holder misplaces the card as it shows the work on the annual charges from the students.

Read Part 1

Amazon Pay EMI:

If you're shopping on the Amazon website, there's a form on that page where you can apply for an Amazon Pay EMI card. Just fill out your name and some personal details, followed by entering the DIN number from the back of your Aadhar card.

When you submit your personal application, you may be given a low-interest rate or an EMI limit. Just check the details carefully and if it doesn't match up with what you expected, contact the company.

You need to accept the terms & conditions and link a bank account or debit card for payment upon purchase.

For best pricing, select the EMI option and make a purchase through Amazon.com. You will have to complete the payment later by filling out your bank details in order to receive your purchases.

Through Post Dated Cheques:

You can avail of post-dated cheques from select offline retailers to buy products at 4% interest. To do this, you will have to submit a list of documents with the EMI offer that are required and these would include a certain number of post-dated cheques for each product.

The retailer will deposit the cheques on their due date, so your bank account is debited every month until the entire amount is paid. You are also charged a small interest by the retailer, which is fair.

Going to apply for your first credit card?

Are you seeking help to get the best advantage of credit cards?

If yes, we are here with the best help for you. Applying for credit cards is not an easy task. The main thing that creates a huge mess here is the availability of hundreds of options out there. Moreover, numerous terrifying stories about the misuse of credit cards even make things much more complex for the users. 

A credit card makes it easier for people to build up a strong credit history and gives users unlimited benefits if used rationally. Moreover, users here are free to enjoy benefits from cashback cards and free voucher codes as well.

Using a credit card can prove to be a daunting task, especially when you will use it for the very first time. We are here with the seven essential tips that you should need to know before applying for credit card services.

Do a thorough research

The first thing one should do before applying for credit card services is thorough research. The market is full of a wide range of credit card options where each one imposes different fees, interest rates, and benefits. 

For enjoying the extreme experience of endless shopping and security, it is always advised to go for a detailed comparison between the service providers so that you can effectively choose the best one out. You can go through the different details like fees, interest rates, and benefits for making an easier comparison. An ideal credit card includes the lowest fees, lowest interest rates and can effectively fulfill your financial needs. 

Use the balance alerts adoption

Balance alert options are the best way to keep track of your spending. The introduction of online transactions has boosted the expenditure level of the people to a greater extent. It is easier for people to count those tens, the twenties, or hundreds disappearing from your wallet, but if we talk about them, we sometimes forget to track those counts. 

Tracking how much you put on a credit card is not that simple at all, especially when you are just getting started with the credit cards. If we search upon the marketplace, one can easily find a wide range of credit card issues who usually prefer to set up balance alerts. These balance alerts are often sent through text messages, emails, or in-app messages, making it easier for the users to check the balance. You can set up different alerts for different balances in your account to prevent overspending effectively.

Make use of the spending analysis tools

Using spending analysis tools would be a great option to stay with your budget. As the competition level has risen in the last few years, the majority of the credit card issues have started providing spending analysis tools that have made access entirely secure. One can easily use these tools from your online account. Accessing these tools is quite simple. You just have to pick up a date range there along with a month, year, and customized period. These tools are quite effective in providing information such as how much you have spent from your card in different categories. The different categories being provided here are often provided by the merchant, such as gas stations, restaurants, departmental stores, and much more.

EMI is a popular form of purchase that is often used to buy expensive products. It can be used by people with a good credit rating and those who want to avoid the hassle of financing. But before you go ahead and buy products in EMI, there are certain things that you need to keep in mind.

You need to keep in mind certain tips to get the best pay later plan available to pay your EMI. In this article, we are discussing the same. Let’s get started!

1. Make sure you have the product upfront before purchase:

Before purchasing any type of product, the first thing you should do is make sure that you have the product upfront. This is because there are many people out there who are scam artists and they will take your money and not give you the product or give you a low-quality product.

2. Check if there are any hidden charges after or before purchasing the product:

Some companies might have hidden charges when they sell their products. This is not a good thing for the customer because they might have to pay more than what they expected. That is why it is important to check if there are any hidden charges before or after you purchase the product.

Some companies will also charge a restocking fee if you want to return your product, which can be a hassle because then you have to go through the process of contacting customer service and waiting for them to get back to you with an answer.

3. Consider if the interest rate is too high:

The interest rate is too high is a common concern among people looking to borrow money. The lender determines the rates and can vary from one to another. This article will explore how to figure out if the interest rate is too high and what you can do about it.

4. Compare all the plans available on credit score:

A credit score is a number that shows how likely you are to repay your debts. A high credit score can help you get a loan, an apartment, or even a job.

There are many different kinds of credit scores out there, but the most well-known one is FICO (Fair Isaac Corporation) score. The FICO score ranges from 300 to 850, and it is based on five factors: payment history, debt level, length of history, new credit accounts, and types of credit.

The best way to get the most out of your plan is to compare all the plans available. You can do this by reading reviews or checking out similar plans and paying attention to discount coupons to get the best of it. Once you have found a plan that seems like it will work for you, make sure you read all of the fine print before signing up.

5. Check if there are any additional benefits for going with a credit card:

Credit cards are a great way to build credit, but they also offer other benefits. They are a convenient way to make purchases, and you can earn rewards points or cashback on your purchase. Plus, some credit cards offer insurance on purchases or rental cars.

There are various benefits of using credit cards for purchases. Some of these include the ability to earn rewards points or cashback on your purchase, plus some credit card offers insurance on purchases or rental cars.

Analysing your CIBIL score can be beneficial to understanding the financial health of your business. Here are some things you can do to improve your CIBIL score. CIBIL scores are a measure of your credit history and can have an impact on approvals. Fortunately, improving your score is possible through some simple steps. We’ve put together this comprehensive guide to help you evaluate your credit report, look out for errors & improve your score. Especially, credit cards for students.

Tips to improve the CIBIL score:

Set Reminders to Repay on Time

You can set reminders to avoid paying late fees. It is advisable to follow these reminders so that you stay on top of your finances. It's important to keep a tab of your bills conveniently in one place. The Slice app will notify you when it's time to pay the bill.

Do you still have questions about improving your credit score? You can reach out to your lending institution and find the best ways to improve it. The insights about your personal finance habits can help you make smarter financial decisions to improve your score and achieve your goals.

Check for Any Errors in Report

It's important to review your report for CIBIL score errors. Check with each of three credit bureau agencies - Equifax, Experian and TransUnion - at least once a year. Reflect on both the weaknesses and strengths of your report to make sure it is accurate. You might want to contest something that you think has errors in it, seems inaccurate, or is not compliant with the company's regular reporting practices.

Try Maintaining a Healthy Credit Mix

Having a healthy credit mix helps you maintain a good credit score. If you have too much of one type of credit, your score can drop or even become negative.

It may be helpful if you’re looking for a loan in the future. At the same time, it is also important to know more about the best credit card offers.

Clear Credit Card Balances Before Due Date

Many people forget to clear their credit card balance before the due date. This can lead to a lot of problems. Here are some of the consequences:

· late fees and interest charges

· low credit score

· higher insurance rates

· difficulty in securing a loan

· difficulty in securing a lease

· difficulty in securing employment, etc.

Say No to Being a Joint Account Holder

In the event that you and your spouse or partner are in a situation where one of you is not able to make decisions for themselves, it may be necessary for the other to become a joint account holder.

This means upon your death, your spouse or partner will have full access to all of your money.

If you don’t want this to happen, then it’s important that if one of you becomes incapacitated, the other should take over as an account holder instead.

Don’t Open Multiple Lines of Credit Too Fast

Getting a credit card is not always easy. You have to prove that you are responsible with your money, so most lenders will only give out one or two cards. But what if you are really in need of more lines of credit?

The best-case scenario is that the lender will offer you an increased limit on your new card with no fees attached. However, if they refuse your application because it looks like too much debt on your part, make sure to contact them about it before. A person should not open multiple lines of credit too fast. This is because the credit score will be affected and it may also lead to debt.

Limit Your Credit Utilization

Credit utilization is the ratio of credit card debt to available credit.

If you use your credit card to make purchases and do not pay off the balance in full, then your credit utilization ratio is the percentage of your available credit that you are using.

The lower this number, the better. A good guideline is to keep your overall credit utilization below 30%. This will help you maintain a healthy score and avoid running into any problems with lenders.

Get a secured card:

The first step is to choose a secured card. These cards are issued by banks and can be used at ATMs, gas stations, grocery stores, and department stores. For example, discover the best credit card offers on a secured credit card that starts with a $200 credit limit. This card has an annual fee of $35 and the APR is 17.99%.

Secured cards are not for everyone because they have some drawbacks. They don’t have rewards programs or cashback offers like other types of cards do. Secured cards also require you to put down a deposit that will be the maximum amount of credit you can use on your card before paying off your balance each month.

If you’re concerned about your credit score, you’re not alone! A poor credit score can negatively impact your ability to get approved for loans and other financing options in the future, not to mention the amount of interest rates you’ll be required to pay if you do manage to get approved.

You must be thinking what are the disadvantages of a bad credit score. Have a look at this infographics:

If you want to improve your credit score and avoid dealing with high-interest rate loans and loans that don’t go through, keep reading and we’ll show you 9 easy ways to improve your credit score in India.

1) Pay all bills on time

Paying your bills on time is crucial for all kinds of credit, not just loans. It’s an excellent way to demonstrate responsible money management skills, which are essential for obtaining a good credit score. Your payment history makes up 35% of your FICO score, so it can have a big impact on your future financial life. If you have only one thing on your agenda today, pay at least one bill on time and don’t miss another due date until year-end.

2) Avoid applying for new loans

When we want to take out a loan, we try and improve our credit scores. But, contrary to popular belief, taking out new loans (especially before paying off existing ones) can lower your credit score and make you appear less responsible.

If you’re applying for a home or car loan, apply before shopping around; doing so will show lenders that you’re responsible enough for multiple loans and won’t deplete all of your borrowing power immediately. If you already have multiple loans, avoid applying for more until you pay off some of them—otherwise, it can look like financial irresponsibility.

3) Reduce debt burden

Debt is anything that costs you money. There are two types of debt: good and bad. Good debt is used for investments such as college education, a car, home, or business startup costs. Bad debt generally refers to revolving debts like credit cards and personal loans; they often come with variable interest rates and fees which can hurt your overall FICO scores.

To improve your score quickly, make a commitment to reduce unnecessary expenses and pay off more of your existing loans. Over time, these steps will lead to better FICO scores and help you qualify for better rates on loans (and hopefully lower monthly payments).

If you don’t know where to start or what steps might work best for you, I’d recommend slice. With the slice super card, you can convert your debt to No Cost EMIs easily.

4) Avoid applying for new credit cards

If you’re already saddled with a high level of debt, it can be tempting to apply for new cards and balance transfer offers to help reduce your monthly payments. However, applying for new credit cards only worsens your situation.

Your chances of being approved for a new card are extremely low if you already have multiple lines of open credit – especially if you’re approaching or at your limit on existing cards. Your best bet is to focus on paying down existing balances and then trying again later in order to improve that all-important number: your FICO score.

Instead, it may be a smarter move to use just one credit card which offers maximum benefits. The slice super card, for example, offers various benefits and deals on online & offline shopping, making it perfect for all your requirements.

5) Don’t take more than 50% of total available credit limits

If you take more than 50% of total available credit limits, it will negatively impact your overall credit score. It makes sense; if you’re using close to or more than half of all available loan and credit lines, it indicates that you’re overextending yourself and may not be able to maintain payments on loans and credit cards for very long.

If anything goes wrong, such as a job loss or an emergency, you may find yourself unable to pay back loans and could ultimately find yourself in debt or out on the street. This can be an especially detrimental practice if done frequently, as it indicates a complete lack of financial responsibility.

To improve your overall credit score, avoid maxing out any of your loan and/or credit cards at all times.

6) Avoid opening too many bank accounts in a short period

If you’re planning on applying for a loan or credit card, there are multiple accounts linked to your name—and lenders pay close attention to that. Having too many accounts open simultaneously can have a negative impact on your credit score.

Keep it simple and only apply for one card or loan at a time if possible. You can even go a step further and call each of your providers before applying, letting them know that you will be opening an account with them soon. slice offers you the option of an EMI without a credit card and there is no need of having a physical credit card with you.

7) Stay on top of your debts and payments

If you’re already in debt, stay on top of it. Pay at least enough that you won’t get charged any late fees and don’t let any accounts fall more than 30 days past due.

If you know your credit scores are less than stellar, set up payment reminders with yourself or others so they make sure bills are paid on time. This will help minimize how much is sent to collections when you do need a quick cash infusion.

8) Maintain a good mix of different kinds of loans

Your overall debt-to-income ratio—that is, your total debt as a percentage of your income—is likely one of those factors that matters most. You can control that part by limiting how much you take on in other kinds of debt besides mortgages.

For example, if you have a home loan and a car loan and a student loan, try not to make any new purchases with plastic until at least one of those loans is paid off. A good rule of thumb: Your monthly payments on non mortgage debt should be no more than about 10% of what you make each month. If they’re higher than that, consider paying down some debt or looking for ways to boost income before taking on any more borrowing.

9) Document all financial transactions

This is one of those pieces of advice you hear all the time, but it’s true. If you aren’t doing so already, track every expense on a spreadsheet. It doesn’t have to be fancy or complex; it just needs to capture who paid you money and what they paid for (and how much they paid).