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Definition:
Loan against credit card is a kind of personal loan. If you are using a credit card, you can easily apply for an instant loan against your card. The only difference between a personal loan and a loan against credit card is that a personal loan takes a couple of day to get approved while a loan against credit card is pre-approved.
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Eligibility:
You are eligible to get a loan against your credit card if you fulfill the following conditions:
Loan against credit card for both existing and new customers. Having a credit card account is a must to get this loan. Also, you need to have a good credit history. Banks offer loan
against credit card provided you have good record of credit repayment and a high credit standing.
A person with high and improved income level can also apply for this loan as well as top up loans against credit card. Improved income level helps you transfer your credit card from silver to gold category, and this increases your loan eligibility.
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Features &Benfits:
Get instant cash whenever you need. Enjoy attractive and reduced rates of interest than interest on cash
withdrawals on credit card. No documentation required. You can apply for it online or by simply making a telephone call. Enjoy fast processing and quick disbursal upon approval. You can apply for it from anywhere at any time. Loan against credit card is a type of unsecured personal loan. Low processing fee is charged.
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Required Documents:
A copy of your address proofs such as recent electricity bill, telephone bill, driving license, passport etc. (Any of these documents).
A proof of your identity such as PAN card, voter ID card, driving license, passport etc. (Any of these documents).
A few recent passport size photographs. Last 3 months’ salary slips for salaried employees. A copy of office ID card – for salaried employees. Self-employed individuals need to submit an attested copy
of the latest ITR (income tax return) and a copy of PAN card.
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FAQ’s:
1. What is a loan against credit card?
A. It is a kind of unsecured personal loan which you can take a loan with the help of your
credit card. Banks offer this loan to help you resolve your urgent financial needs.
2. Do I need to have a good credit history to apply for a loan against credit card?
A. Yes, it is very important to maintain a good credit history to apply for a loan against
your credit card and get discounted rates of interest on your principal amount.
3. Do I need to pay processing fee for a loan against credit card?
A. Yes, banks do charge processing fee for loans against credit card. However, you need
to pay a very nominal amount as processing fee.
4. What are the documents I need to submit to apply for a loan against credit card?
A. No, you don’t have to submit any new documents to apply for a loan against your
credit card. It is zero documentation process.
5. Can I apply for a loan against credit card online?
A. Yes, you can apply for it online by using net banking. Also, you can apply for it by using
phone banking or visiting your branch.
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Contact Us:
Kurakula’s Business Solutions Pvt. Ltd.
Address : KURAKULA'S Business Solutions Pvt Ltd SRT-5,1st Floor, Old Post Office Road,Near by RBI Quarter's, Ameerpet , HyderabadTelangana , India – 500016
Contact Number : 9000003004, 9966963967
Email ID : [email protected] | [email protected]
www.kurakulas.com
www.kurakulas.com
