1. Remember your due date and pay on time, they send the statement late intentionally.
2. deposit at bank branch, because at other places they take three days, again intentionally.
3. Can also pay onlie after registration.
4. Never carry forward the balance, pay 100% on due date and not the minimum amount due.
5. Keep the credit card limit within 2 months salary income.
I had a bad experiance with my credit card company also.
They increased my credit limit from 30000 per month to 1 lac per month, without informing me when i called them they said its a letter.
Being a financial guy insreasing creidt limit is an offer was like a shck to hear.
then they asked my to give a written letter for reversal of the limit, a phone call would not do and then a mail would not do, that call centre guy irretated me badly by asking for a written letter without which would not decrease the limit.
i wrote a mail to top most offical of the company/ bank, then there was a series of mail with apology and reveral of limit back to 30000.
