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To apply for a Credit Card with Loan-Mart, you must be an Indian citizen aged 21-60 years with a stable source of income and a good credit score. Required documents include identity proof (such as Aadhaar Card, PAN Card, or Passport), address proof (like an electricity bill or rental agreement), and income proof (latest salary slips or annual income tax return for self-employed individuals). Please note that fees and charges may vary by card type and typically include an annual fee, finance charges on outstanding balances, late payment fees, and over-the-limit fees. Ensure you review these details carefully before applying to choose the card that best suits your financial needs.
Interest is typically calculated based on the average daily balance of your credit card account and the annual percentage rate (APR).
Improving your credit score involves maintaining a good payment history, keeping credit card balances low, avoiding opening too many new accounts, and managing your credit responsibility.
The APR is the annualized interest rate charged on your credit card balance, including any fees. It helps you understand the total cost of borrowing on a yearly basis.
