Indian government is emphasizing on digital India and the best way to achieve the same is the maximum use of Credit cards. This can stop the use of cash and since the use of credit amount comes with a facility of few weeks of repayment with our any interest or charges can be an attractive option for consumers across markets. Credit card basic principle is 'Buy now and Pay later' principle and it's a simple and straightforward process. One can apply and obtain multiple credit cards from various banks at one time and each come with a prescribed limit. The billing is done on the same day of ech month which means you have a fixed day of billing and a statement comes on your email or you can view the same on internet banking or mobile app of the bank. You have to make the payment on or before the due date mentioned in the statement.
Starlight Solution can assist you with getting the perfect Credit Card - Let's Get the Deal Started!
- Education
- Medical emergency
- Wedding
- Buying Fridge, sofa or TV or any house hold stuff
- Holidays
- Many other personal reasons
- They are the best alternative to cash or loans.
- There is always an interest free time (window) before paying your dues or spent amount depending upon what kind of credit card you and using and from which bank.
- Credit card can not only be used to buy online or using the cards in swiping machines, one can also withdraw cash from it as per your credit card limit.
- Credit card comes with benefits like vouchers, promotional offers, rewards programs, cashbacks and many other benefits.
- You can apply credit cards from multiple banks at one time and use the same as per their limits and terms and conditions
- You can ask for add on card for your family and friend.
- If you want to improve your credit score then avail a credit card and pay its bill on time.
- Credit cards can be used in International travel.
- Credit card comes with insurance and if there is any theft many banks provide insurance on the theft amounts.
- Applicant or applicants should be between 21 years to 65 years old for self-employed and salaried persons.
- Businessman, self-employed, proprietors, partnership firms, private limited companies, LLP’s and public limited companies can apply for the same.
- The previous credit history of the Applicant’s promoters or partners or proprietor’s should be positive and there should not be any over dues of payment defaults.
- Applicant’s promoters or partners or proprietor’s credit score should me more than minimum 650. This is become a very important aspect and we always direct and request the clients to make sure their credit history is in good health always.
Identity Proof :
- PAN Card
- Aadhar Card
- Voter ID
- Driving License
- Passport
Address Proof :
- Registered Rent agreement
- Aadhar Card
- Driving License
- Lease agreement
- Passport
- Latest Gas or electricity bill
Financial Documents - Employment or Business Proof
- Salary slips for the last 6 months in case you are a salaried employee (In addition, you can provide IT returns for the past 3 years along with Form 16)
- IT returns for the past 3 years in case you are self-employed (Some banks accept 2 years IT returns as well)
- Statement of A/c for the past 1 year where your salary is credited (in case of salaried people)
- Profit and Loss statement and Balance sheet for the last 2 years in case of self-employed persons
- Sales tax, GST registration certificates, if applicable
- Partnership deed in case of partnership firms (if the applicant is one of the partners)
- Certificate of Incorporation in case of limited companies(if the applicant is one of the directors)
Other Documents:
- Loan application form duly filled in
- Photographs
- Signature Proof
Property documents:
- Copies of all property documents that can establish the chain of ownership for the past 30 years
- Encumbrance certificate for 30 years
- Property tax paid receipt in case you reside in the property being mortgaged (usually when you apply for Home Loan Balance Transfer)
Our Associated Banks for Credit Card:
- Icici Bank
- Aditya Birla Finance - Home Loans
- Citibank
- HDFC Bank
- India Bulls
- Many more
Why Choose Starlight Solution for Credit Card?
Applying for a Credit Card may appear as though an overwhelming as each bank will have its individual Credit Card plan and financing cost. It can get hard for you to think about the individual rates and settle on an educated choice.
Starlight Solution can assist you with securing all the data at a solitary spot whereby you can think about the various rates on a single screen. Likewise, Starlight Solution can assist you with doing what needs to be done relying upon your socioeconomics, salary, and reimbursing limits. Starlight Solution has more than 15 years of experience to direct you about different aspects and features of any Credit Card eventually helping you to choose the bank that gives the best with the following benefits:
- The interest rate will be at rock bottom
- Very less preparing & processing fees
- Simple documentation
- Speedy loan sanction turnaround time
Starlight Solution expertise in Credit Card and shall assist you to understanding and finalize the best Credit Card.
