festive season: There is no limit on purchases during the festive season. Everything from home decor to kitchen items and jewelery to clothes seems to be essential. Due to which the budget can be disrupted. So, before going out for shopping, decide your budget and according to that budget, plan what you need to buy with your credit card and what you don’t.
Want to do heavy shopping with credit card on the occasion of Diwali
Shopping interest is high during the festive season. So many purchases are made without thinking that later the budget is completely disrupted. Especially those who have credit cards, spend heavily on them as they can bee paid in EMIs. During the festive season, huge discounts are available on these cards both online and offline. If you are also in the mood to make a purchase via credit card, know some tips first so that you don’t have to face too much difficulty in maintaining the budget balance at the last moment.
Set a credit card budget yourself
There is no limit on purchases during the festive season. Everything from home decor to kitchen items and jewelery to clothes seems to be essential. Due to which the budget can bee disrupted. So, before going out for shopping, decide your budget and according to that budget, plan what you need to buy and what you don’t.
Also Read:- Awesome poster of ‘Tiger 3’ released before the trailer
Choose the right credit card
If you have multiple credit cards, choose one that offers cashback, rewards, or good discounts on online shopping. Some banks design credit cards especially for the festive season.
Check the card limit
Before going out for a shopping spree, check the card limit as well. If you spend more than the limit, you may have to pay a large amount as penalty.
Plan your repayments too
Before making a purchase, also plan how the credit card payments will bee made. Make payment keeping in mind only the due date of the installment. Pay the balance a day or two before the installment due date. Having fixed installments will make it easier for you to maintain your budget.
Control yourself
Abundant offers and discounts will be available during the festive season. This is enough to tempt you to overbuy and buy unnecessary items. But focus on your budget so that your budget doesn’t go bad.
