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Using Your Credit Card during The Festive Season

By Finserv MARKETS - Oct 31,2019
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Using your Credit Card during the festive season

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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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522