Credit Card Loan in Faridabad

Credit Card Loan in Faridabad

For a place that was once known as only an industrial belt in Haryana, Faridabad has become one of the most conducive places to reside in the National Capital Region (NCR). With the consistent improvement in its infrastructure, the erstwhile industrial city is gradually moving towards an economic hub. Such prospects had the effect of making Faridabad a lucrative destination for investors. The full potential of real estate development is yet to be tapped in the city.

Faridabad is also thriving with several multinational companies, medium and small scale manufacturing units and ISO-based industries. These generate employment to the tune of nearly half a million. Further development is likely to attract a more significant number of workforces in the city. The increase in population and the resultant escalation of financial transactions is likely to generate a vigorous demand for credit, both for personal and business finance. A credit card loan in Faridabad might just be an easy solution to it.

Benefits Of A Credit Card Loan

A loan on credit card Faridabad is a kind of personal loan that corresponds to the unused credit limit. Even if you require a greater amount, credit card loan limit Faridabad may not be extended.

Now that you know these particulars about a credit card loan in Faridabad, you have a context to discern the advantages that it brings –

  • For a credit card takeover loan Faridabad, the application process remains hassle-free given that the lender is in possession of the borrower’s details already.
  • The loan repayment can be made by way of monthly instalments. To find out the monthly outgo, one may use a credit card loan calculator.
  • Balance transfer facility is provided on such a loan but to ensure that you gain maximum benefit, enquire about the relevant particulars by calling credit card loan customer care number Faridabad.

Even though the application process is relatively hassle-free, a lender would still check the CIBIL score and credit history before loan approval. So, if either of this is not up to the mark, you may not be able to secure credit.

In such a situation, it might be wise to consider a gold loan rather than looking up ‘credit card loan providers near me’.

Aspects Of A Gold Loan

Gold loans are secured credits where you have to pledge gold articles. Here are some of the major benefits of a gold loan over a personal loan against credit card

  1. A higher loan amount can be availed commensurate to the valuation of pledged gold articles.
  2. CIBIL score and credit history are not considered for approval of the loan. Only the authenticity of required documents and pledged articles matter. It ensures that any individual stands a greater chance to be extended this loan as opposed to being considered for other credit options.
  3. Disbursal of a gold loan is quite fast. This aspect becomes particularly crucial when there is an emergency.
  4. There are multiple repayment options, and borrowers can choose the one that suits their convenience.

These are the general features of a gold loan. However, additional facilities are extended by Rupeek.

Merits Of A Rupeek Gold Loan

The facilities offered under a Rupeek gold loan give primacy to customer convenience and benefit. These are –

  • Once your online application is processed, you can avail instant online gold loan at your doorstep. Our loan manager will visit you, and with successful verification, the loan amount would be disbursed in your account instantly. The entire process takes up 45 – 60 minutes.
  • Not only do we offer the highest per-gram rates, but the rate of interest is also kept as low as 0.49% every month. Thus, individuals can use this loan to pay credit card outstanding
  • You can use our gold loan calculator to determine the loan amount you can get against your gold articles. Alternatively, you can also find out the gold quantity to be pledged to avail a specific loan sum.
  • Customers enjoy flexibility in repayment. You choose the scheme according to your convenience. You get to repay the loan as you wish within the tenure or pay monthly instalment every month.

We also extend an overdraft facility against gold. Also known as Rupeek Quick, it allows individuals to get an extended line of credit from which they can withdraw funds anytime they want. What’s more, the interest payment is done against the withdrawn amount only and not on the total; principal.

Rupeek’s Services In Different Localities Of Faridabad

  • Ballabgarh
  • Jawahar Colony
  • Greater Faridabad
  • Faridabad New Industrial Town
  • Faridabad Sector 3
  • Faridabad Sector 7
  • Faridabad Sector 8
  • Faridabad Sector 9
  • Faridabad Sector 15
  • Faridabad Sector 16
  • Faridabad Sector 29
  • Faridabad Sector 48

While a credit card loan in Faridabad can provide you with easy access to fund, its criteria and high interest rates can be disadvantageous. In such a situation, opt for a Rupeek gold loan. You will have the desired loan amount credited to your bank account within an hour!

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Benefits of Gold Loan over Credit Card Loan.
  • <1 lakh
  • 2 lakh
  • 3 lakh
  • 5 lakh
  • 10 lakh
  • 20 lakh
Comparision Parameters Credit Card Loan Gold Loan
Interest Rate 2.39% 0.49%
Monthly Interest Amount
Eligibility & Documentation More Documents Needed Only KYC Needed
Processing Time & Disbursement 2 days to 1 week Within a day
Required Gold Weight -
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Frequently asked questions

  1. What are the required credit card loan documents?

One does not have to submit any document to get a credit card loan in Faridabad given that the applicant is an existing customer of the bank or issuer.

  1. What is the loan amount that I can avail in a personal loan against credit card?

An individual can avail loan against the unutilised limit of a credit card. On approval, the corresponding amount to such limit is credited into the borrower’s account.

  1. Can I opt for a loan to pay credit card outstanding?

Yes, you can avail credit card debt payoff personal loan. In this way, all credit card dues can be consolidated into a single loan and repaid through equated monthly instalments.

  1. How can I earn rebates on repayment of a Rupeek gold loan?

Refund is available on regular repayments. If you repay more frequently, you will be eligible for a higher rebate.

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