Credit cards are convenient and very efficient. If you have just applied for a credit card, you can check the hdfc credit card application status in order to see when your card will be delivered. While waiting on your card, here are a few things that you need to know about a credit card.
While people believe that credit cards are tough to maintain and they are an additional expense, there are a number of advantages that you get when you own one. It’s one of the easiest ways to travel without having to load your pockets with a lot of cash. While debit cards might not be accepted at all places, an HDFC credit card is universal and you can use it within the city, as well as outside. Even if you lose your card, none can use it till they have the pin, and you can always call up the helpline to report a lost card which will be blocked within minutes. You can also get a replacement in no time.
There are a number of benefits of signing up for a credit card. One of the biggest advantages of a credit card as compared to a debit card is the reward points program. With credit cards there are points offered for every rupee spent. Depending on the type of credit card you hold there is also a discount on fuel surcharge and shopping tax at some outlets as well. Looking at it from a long term perspective that is a lot of money saved on these taxes. There are also free gifts offered like holiday packages and air travels after spending a certain amount of money on the card. All of this certainly makes it worth the effort to own a credit card.