Best Pakistan Credit Cards
These days’ best and secure credit cards are used more and more by people all over the world as well as in Pakistan than previous days. The credit cards issuers and banks of Pakistan are promoting new cards with new offers and packages making more use of secure credit cards every single day. But with that a problem starts that is “which card should be purchased” as there are many cards in the market with different types, packages and offers. This makes people a little confuse to make a right choice. Here at this point you need a sincere professional advice and guide so you can make the right choice and purchase the best credit card that fulfills your requirements.
Expert Tips on Using Credit Card:
Here are some of the expert suggested tips to keep in mind while you are opting to use your first credit card wisely.
-The credit card issuing bank is lending you money for a specific time period and after that, you will have pay additional amount as an interest on the actual amount to be paid.
-Never tend to have more than one credit card at one time.
-Based on how you are intended to use, try to keep the credit card limit as low as possible.
-When buy anything using your credit card, make sure to pay off the balance within a month. It will keep you safe from paying service charges and will also help you build a good credit record.
-Prefer to use a credit card only for emergencies focus on using a debit card, cheques and cash for making most of your payments.
-Never ever give your credit card to anyone else. Because the end, it is you who is responsible to pay off all the charges.
-Keep a proper track of where you used your credit card and how much amount you paid using it.
-Even if you are using the card for emergencies, make sure that it is in an active condition. You can do that by making small purchases in every 2 to 3 months. However, make sure you are paying off the balance before the due date
-Do not let your credit card spending cross 20% of your net income per month. Create a budget and stick to the plan.
-If you think or find that you are not able to handle your credit card wisely, it is better to get rid of it.
Pakistan Credit Cards Type
Here is the complete list of all credit cards types that are used in Pakistan now days.
Balance Transfer Card
Instant Approval Card
Business Credit Card
Student Credit Card
Prepaid & Debit Card
Credit Card Specials
Reward Credit Cards i.e. Cash Back, Points, Gas, Airline, Hotel & Travel, Financial, Sports cards
Pakistan Credit cards issuer’s and banks
Following are the Banks and issuer’s of Credit cards in Pakistan.
Bank of America
Habib Bank Ltd.
Muslim Commercial Bank
United Bank Limited
Standard Chartered Bank
Apply online for Pakistani credit cards
After making credit card offers comparison and selection of card you need to apply for it so after credit card confirmation process you can purchase it.