The start of winters in India is usually grand. With Diwali following closely on Dussehra’s heels, the double delight of festivities never fails to bring out the shopaholic in each one of us. And with the need to shop, come the festive sales. If there would be any such thing as the right time to shop, this would be it. Luckily for us, that’s what the time of festivals are known for. To indulge and pamper ourselves and others with the happiness of gifts that only money can buy.
But it’s quite easy to get carried away. Especially when every website you visit has banners inviting you to buy the dazzling glimmering gifts you didn’t even know you needed. More often than not, the festive buying binge leaves you with the hangover of a long credit card bill. So, before you launch off into your shopping spree, here are a few things to keep in mind when using your Credit Card this season.
1. Get a fresh start
The one thing that will certainly put a damper on your festivities is not having enough money to buy what you’ve got your heart set on. That’s why it’s best to clear pending dues before the festive season so you don’t end up short during your splurge.
2. Go festive offer hunting
The festive season is abuzz with sales. The best way to cash on them? Opt for a credit card purchase. Check various websites for Credit Card offers. Chances are, with the discount on credit cards, you might get it for cheaper rate even if the price is higher.
3. Blow up your credit points
While there are guaranteed discounts on credit card, most credit card companies also give additional reward points for shopping during the festivities – both offline and online. Credit cards like the Bajaj Finserv Super Card allow you to save up to Rs. 55,000 a year by using the credit card for purchases.
4. Caution is key
While the festive shopping binge is fun, you must remember not to get carried away and exceed your credit limit, as this can affect your scores. With a little bit of control, you can give yourself credit for a great shopping experience this festive season.
So, bring out the cards and satisfy your urge to splurge this festive season.
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