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Level 1 – Queries, Request or Complaint Redressal.FAQs regarding cancellation of Add-on Credit Cards.Customer Education Literature on NPA and SMA classification.Board Note & Guidelines - Resolution Framework 2.0.

Extract of Board Approved policy on Co-Lending Model.Services for customers with disabilities.If you notice any fraudulent transaction in your card statement, lodge a complaint with your bank immediately as disputed complaint. Block your card immediately if you misplace it or if it gets stolen to prevent misuse.ġ0. This will help keep track of your payments as well as detect any fraudulent transaction in time and take timely action.ĩ. Opt for receiving credit card alerts from your bank. Keep track of your payment date and credit period to avoid delay in payment or default.Ĩ. Keep your credit utilisation ratio to 30-40% of your credit limit as it reflects positively in your credit report.ħ. This will help you save on interest and penalty on delayed payment.Ħ. If you are unable to repay in full, convert your transaction into an EMI and repay regularly. This will keep your credit card spends under check and build your credit score over the long term.ĥ. Ensure you repay the entire credit card outstanding in full every month. If your bank sends communication about an increase in credit card interest rates, make a note of it and keep track of your payments.Ĥ. Some cards may waive off the annual fee in the first year, but introduce it in the subsequent years.ģ. Some credit cards may have no annual fee, while some may have an annual fee but waive it off if the spend on the card crosses a certain threshold during in a year. Read the terms and conditions before you select a credit card. Do a thorough research and find out about the interest rates, credit limits, grace period, etc before zeroing in on a credit card.Ģ. There are a wide range of credit cards meant to suit every budget and catering to customers with varying needs. Pradhan Mantri Jeevan Jyoti Bima Yojanaġ.Commercial Vehicle & Construction Equipment Loan.