The twin city of Calcutta, Howrah is significant transportation and industrial centre in West Bengal. Known for its light engineering industry, the city is flocked with job-seeking youth all around the year.
It is also a prominent residential city because of its proximity to Kolkata. This has led to rising living costs over the years. Individuals in need of urgent funds for unforeseen or large-scale personal or business requirement can turn to a credit card loan in Howrah.
It is a form of personal finance that individuals can get based on the predefined limit of their credit card. A personal loan against credit card is a convenient financing variant for individuals looking for instant cash. Some of the praiseworthy benefits of this facility are –
A credit card loan in Howrah seems convenient during an emergency, but the stringent eligibility may cause unlikely issues for a borrower. Individuals with a poor repayment history might struggle to secure this financing facility or may have to service it with higher interest rates.
Individuals need to satisfy the following criteria to get a credit card loan –
The amount received against a loan also depends on a borrower’s income stability. Individuals with a low disposable income may not be eligible for a substantial credit card loan in Howrah. To cover large-scale expenses, thus, individuals can consider taking a gold loan instead of searching for ‘loan against credit card provider near me.’
This secured loan variant fits perfectly as a source of substantial fund during an emergency. With lenient eligibility, minimum documentation, generous sum and a ton of features, a gold loan fare better than a credit card loan in Howrah.
Here are some reasons to prove this statement. Check them out!
These features prove a gold loan to be a smarter choice during a financial crunch. If you are convinced and want to apply for a gold-backed loan variant, a reliable lender is what you need.
In this regard, Rupeek may grab your attention. We are a renowned gold loan lender offering borrower-friendly schemes and doorstep loan service in 5000 locations all over India, including Howrah.
Rupeek brings a host of customer-friendly features to make the borrowing experience straightforward, hassle-free and affordable. Here are some notable ones –
At Rupeek, our borrowers receive the highest loan amount against their gold ornaments. They can avail a loan as high as Rs. 1.5 crores to meet a variety of expenses.
The interest rate levied on a gold loan from our side starts at 0.79% per month. The interest repayment becomes quite affordable as compared to a credit card loan in Howrah.
Rupeek respects your time constraints. Therefore, we offer online application services. You can also check the loan value against gold by using our online gold loan calculator.
We maintain transparency in all our dealings. The gold evaluation is done before your eyes. This leaves no room for any discrepancy.
Apart from these features, we offer some exclusive features, such as –
Following are a few prominent localities in Howrah where we offer our doorstep services –
Are you stressing about the high interest rate levied on a credit card loan in Howrah? You can opt for a gold loan from Rupeek instead. With features like affordable interest rate, substantial loan amount, easy disbursal, and minimal documentation, availing and servicing credit have never been easier.
So, leave your worries aside and choose the right loan variant. Rupeek awaits your application!
No, a credit card loan applicant must maintain a remarkable credit history. Lending institutions generally don’t sanction loans to people with repayment defaults.
It depends on the borrower. Generally, credit card loan interest rate is at par or higher compared to a conventional personal loan.
Yes, the borrower needs to pay a processing fee when availing a credit card loan. However, the fee is nominal because it’s pre-approved.
Rupeek accepts almost all jewellery items of 18 carats or above. We don’t accept gold bars or coins.
You can get a gold loan along with a credit card loan in Howrah.
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