Want to know how much you pay as Credit Card Interest

Credit Card payments are convenient at times, but it is really a trap if you don’t use it properly. I have some friends who got entangled in credit card debt trap.

So here is our� free credit card debt calculator to make wise decisions.

With this credit card interest calculator you can

  • Know how much money you have to pay as credit card interest
  • Know how many months it will take to pay off your credit card debt
  • Know how many years it will take to clear your credit card payment debt
  • Know how much money you will pay to the lender.

This is a handy tool to know how much you pay more� and how long will you be in debt. So be wise, and use our Credit card Payment Calculator before you make your credit card purchases.

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Tips to apply for State Bank of India (Sbi) credit card online?

Are you planning to apply for State bank of India credit card? Here are some tips to choose your sbi credit card wisely.

Before applying for the credit card first compare the various credit cards offered by Sbi.State Bank of India offers these cards with different features,credit limits and annual fees: SBI platinum card, SBI gold card, SBI Silver card, SBI advantage card.

State Bank of India also offers other cards tying up with other companies such as SBI railway card, SBI spicejet card, SBI Maruti Card,SBI Vishal MegaMart Card,SBI Dena Bank Secured Card,SBI UBI Card etc.

So be wise and select cards which doesn’t have annual fees and gives good features etc. Always remember that for premium cards you have to pay more annual fees etc.

Go to sbi credit card website and apply online.If you don’t want to apply for credit card online, then you can download SBI credit card application form here. After applying you can track your credit card application online at the website. It is better to apply through agents, which will be processed more fast or contact the State bank of India branches itself to get the numbers of agents.

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4 ways to Make SBI Credit Card Payment Online

Do you want to make SBI credit card payment online.

Here are four ways to make SBI credit card payment online.

SBI Credit Card online payment through SBI Account

Login to your SBI internet banking account.
Go to Bill Payments
Then select Manage Biller
In under India Billers Select SBI Cards and Payments Services Pvt Ltd.
Then Go.
Then Add Nick name: Eg SBICC
your credit card no and submit

Then you can make online payments

Go to Bill Payments

Then select View/pay bills

Select Without Bill

Then you can select SBI cards and make the payment.

If you have net banking accounts with State Bank of India group banks such as State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Indore, State Bank of Patiala, State Bank of Travancore, State Bank of Mysore you can make direct payments of your SBI credit card dues through the same process through your net banking accounts.

It will take 2-3 days to credit to your account.

SBI Credit Card online payment through Bill Desk

SBI credit card has tied up with Bill desk to make SBI credit card payments online. This allows the credit card holder to make payments through online netbanking accounts. If you have net banking account in any of these banks
Allahabad Bank NetBanking
AXIS Bank NetBanking
Bank of Baroda Retail NetBanking
Bank of Baroda Corporate NetBanking
Citibank
Corporation Bank NetBanking
City Union Bank NetBanking
HDFC Bank NetBanking
ICICI Bank NetBanking
IDBI NetBanking
Indusind Bank
Indian Overseas Bank
Jammu and Kashmir NetBanking
Karnataka Bank NetBanking
Oriental Bank of Commerce NetBanking
PNB NetBanking
PNB Corporate NetBanking
Kotak Mahindra Bank
South Indian Bank NetBanking
Yes Bank NetBanking
Then you can make the SBI credit card dues through your bank account. Every time you have to make the payment, go to this site and enter your SBI credit card number and the amount to be paid and select the bank to make the payment . Confirm your payment at your bank site and it will be confirmed and a receipt can be printed for future use. Please remember that it will take atleast three days to credit your amount. So don’t wait for the last day to make the payment to avoid late fee.

SBI Credit Card online payment through other bank accounts

Electronic Bill Payment (EBP)

Pay Online,directly from your bank account through Net Banking/ATM/Mobile using Bill pay service of your bank.Currently available withIndian Overseas Bank,Citi Bank and Bank of India.

How to make payment through Electronic Bill Payment Service?

– Log on to NetBanking page of your bank

– Add SBI Card as a biller

– After successful addition make your SBI Card payment through this mode.

 

SBI Credit Card online payment through NEFT

How to make SBI credit card payment-using NEFT?

– Visit your bank’s net banking & add SBI Card as a beneficiary under third party transfer.

– Add SBI credit card IFSC code SBIN00CARDS for making SBI Card payment.

– Please enter your 16 digit SBI Card number in place of Account number on the banking page

– Fill Bank name – SBI CREDIT CARD – NEFT and Bank Address -PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI

– After completing the registration make your SBI Card payment through this payment mode.

There are some other ways also to make the payment.

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What to do if your credit card is stolen or lost?

Credit cards are now widely used for various transactions. So the credit to be lost or stolen is becoming common. Unless you are extra cautious a lost or stolen credit card can bring you heavy loss. Basically all the credit card companies hold the credit card holder responsible for all the transactions and you will be reponsible for all the credit card payments, if someone misuses your credit card.

Here are some of the information you need to know if you lost your credit card. Various credit card companies different rules regarding the lost or stolen cards.

HSBC Platinum, Gold, Classic credits credit cards offer Zero lost Laibility. Here is the condition

Credit cardholders have zero lost-credit card liability after the loss of the credit card has been reported to the Bank in writing or to the VISA / MasterCard Global Emergency Assistance Helplines. However, you will be liable for all charges incurred on your credit card before you report the loss of your credit card.

Standard Chartered Bank and ABN ABRO bank offers insurance protection for the libilaites of the lost card, however you have to pay the premium for the insurance. Citi Bank Credit cards, SBI credit cards also gives insurance protection. For most cards, the insurance for liabilites upto Rs. 1 Lakh, the premium is Rs.100 per month.

ICICI credit cards also offer zero liability but the credit card holder should contact the customer care but is liable for the payments before the reporting.

For the all credit cards the process to complaint or report a lost of stolen credit card is the following.

First,Call the customer care centres of your credit card bank and inform the lost. Or you can also report to Visa card or Master card emergency numbers given below. Please record and keep the time and date of your call etc for future reference.

Second,Report the lost of your credit card at the nearest police station. Get an FIR.

Third, With the FIR, send a fax or lettter to the credit card company bank again.

Keep all the records for future use like credit card number, time it was lost, place, Date and time complained etc.

Incase if banks don’t help, you can contact the Reserve Bank of India for help.

The key thing to remember is to keep the credit card safe to avoid all the hassles and tension.

Visa Global Customer Assistance Service: India
Access Code 000-117 then 866-765-9644
Mastercard Global service emergency number
India: 000-800-100-1087

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