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Showing posts from October, 2019

How do I become a bank loan agent?

Any person who is working and aspires to earn a high income can become a bank loan agent/DSA partner with Ruloans. We help individuals with a good work ethic to generate loan leads and earn high income through commissions. Who can become a bank loan agent? For those who don’t know, being a resident in India and being of legal age is more than enough for you to join as our partner. But if you have some knowledge of the loan and banking industry, then that gives you an edge over other loan DSA. For those who don’t have knowledge but want to grow, we are here to groom you to become the best. How to become a bank loan agent with Ruloans? Ruloans has been working with Loan DSAagents for the past decade and hence you will be making the right choice for your career by joining our partner program. You will have to visit Ruloans web portal and APPLYHERE . Once you fill the form with your details, we shall contact and set up a meeting with you to discuss this partnershi

Why do people use debit cards instead of credit cards?

People use debit cards instead of credit cards because using your savings is better than paying extra charges.  Yes, when you utilize your debit card, the money within it is earned by you and hence you don’t have to pay interest or extra charges when you swipe your card. When you utilize your best credit cards , the money within it is not yours but of the Bank and hence it is owed by you. At the end of the month you will have to pay the total amount + the interest or extra charges applicable for each time you swiped your card. Debit card = your money Credit card = Bank’s money Remembering this will make it easy for you to understand that it’s better to utilize your debit card. But owning a credit card is also necessary in today’s time as when you require immediate funds for emergencies and some unplanned expenses a credit card can come handy. Hence overall it’s always best to use your debit card and keep a credit card only for emergencies. Also, it is

How can I transfer funds from a credit card to a bank account?

We highly advise that you don’t take this step as it’s a huge debt trap.  Let us explain why we mention this as a trap: Whatever money you swipe using your credit card is considered as an expense. These expenses must be paid within 30-45 days along with interest that will be charged on the amount used.  On the same hand, whatever money you swipe using your debit card is also considered as an expense. But you don’t have to pay off any bill with interest as the money you swiped was used with your own savings. Hence no interest can be charged. When you need some cash that has to be transferred to someone, you must ideally use your debit card. In case you don’t have that much amount as savings, then it’s ideal to take a personal loan. We say take a personal loan because you can sort all your expenses and also transfer that money into any bank account. The maximum interest on that will be less than 19%. When you utilize your best credit card to transfer funds

What's the best credit card available right now?

Every credit card has their set of benefits. Whether its reward points, discounts or even cash backs, every credit card will offer something for the customer. The right thing to do here is to find the credit card that matches your personality and doesn’t hurt your pockets too.       1. Reward points: If you are a shopper who loves spending on new clothes, find a best credit card that rewards you each time you swipe your card. What happens here is that you can get reward points for purchases made toward shopping.  Once you accumulate enough reward points, check their store online and utilize the reward points to buy something cool for FREE.           2. Discounts and cash backs: If you happen to be the one who travels a lot, then find credit cards that offer discounts and cash backs on fuel or tickets. For those using roadways, you can swipe your card at petrol pumps and get discounts. For those who love traveling, they can use their credit card to shop f

What is the best way to use a credit card?

Credit cards can be used in 2 ways: One for handling day to day expenses and the other for earning rewards. Most of the people that have a credit card will use it for their day to day expenses and also during emergencies when cash is needed. Here are 2 ways we feel you can use your credit card: 1. For daily expenses and emergencies: If you regularly need cash for sorting your daily expenses, then visiting the ATM will be a tedious affair. Also, keeping bundles of cash with you all the time is risky as you can get robbed too. Hence   Best Credit Cards   helps in all these daily expenses. All you have to do is repay the bill at the end of the month. Also, when it comes to emergencies, most of the times liquid cash is needed or high amount. In such cases again you can’t just hold a lot of cash with you. Hence you can swipe your credit card and sort your expenses immediately. 2. For earning reward points and gaining discounts: Another smart way a person can use their   credit

Find a Credit Card That Matches YOU in 4 Simple Steps

Credit cards in a country like India is sometimes considered as one of the basic necessities required to survive. This is because the standard of expenses and the costs of living is very high when compared to the income level. Banks and NBFCs have understood this need of people living in India and hence provide attractive offers on credit cards. There are a variety of offers which are up for grabs which makes it difficult for us to choose which card is better for us. So to make it easier for you, we have created a simple list which has 4 steps. Once you understand these 4 steps, you can get the best credit card for yourself. Here are the 4 simple points;   Understand Your Credit Score: This 3 digit number is very important for all your financial decisions. If your credit score is high, then getting a credit card approved becomes easier. Through this, you get the best credit card that matches your profile and needs.   Choose a Card Based On Your Bill Payment