Known as the ‘Cultural Capital of India’, and located on the eastern bank of Hooghly River, Kolkata is the most prominent commercial, business, and financial hub of Eastern India. From its busy corners to serene lanes, the city is enveloped by the Bengali heritage and culture. With some stunning tourist locations like Victoria Memorial, Fort William, Mother Teressa House, Joransanko Thakur Bari, and Marble Palace, Kolkata never fails to manifest its charm.
The city is also home to major industrial sectors and multinational companies. Despite being one of India’s leading cities, Kolkata has also witnessed its fair share of financial ups and downs over the years. During such setbacks, natives often turn towards a credit card loan in Kolkata in order to cope with the situation.
When it comes to a personal loan against credit card, a prospective borrower needs to be aware of certain aspects before considering it as a favourable option during a financial crunch. It is merely a personal loan that is offered against the available balance on a credit card.
Here are some noteworthy features of the loan on credit card Kolkata to help find a solution to your financial requirements.
Along with that, you can also apply for more funds than your credit limit if you have a decent repayment history. It not only comes handy during monetary crunch, but the flexibility part makes it a lot easier to manage and maintain for a certain period. The only thing you need to meet is the eligibility criteria to avail an instant loan on credit card and utilise these benefits.
Due to its unsecured nature, funding institutions make sure that individuals pass all stringent eligibility parameters to avoid repayment defaults. In order to be eligible for the loan, borrowers need to meet the following requirements:
Apart from CIBIL score eligibility for credit card, it also has a certain age limit for the customers. Even though these criteria can be easily pulled off, individuals mainly struggle with unmanageable interest rates. Especially for people who are looking for an instant solution during a monetary crisis, this loan can be relatively expensive and difficult to manage for a longer period.
Therefore, as an alternative, individuals can opt for gold loans instead, which comes with better benefits, convenient procedures, and affordable interest rates. Especially with Rupeek, it has become a lot easier to maximise the benefits one can derive from an instant gold loan.
Using Rupeek’s facilities, it is not only easy to avail instant funding option during a financial crisis, but also acquire impeccable ways to save money while paying for the loan.
Apart from these borrowers also get instant doorstep service after applying for the loan. From the documentation procedure to loan disbursal, everything gets completed within 30-45 minutes.
These compelling features make sure that our customers are getting proper financial assistance during emergencies. While other funding options give rise to additional liabilities, Rupeek offers unique facilities to get rid of the burden.
We have extended our doorstep services to the following places in Kolkata:
The easy accessibility and affordable monthly instalments are some necessary aspects most of the borrowers look for. And, a gold loan with Rupeek brings all of that.
So instead of searching for ‘credit card takeover loan Kolkata near me’, download Rupeek app to find yourself the best deal.
Usually, the existing customers are not required to submit further documents while availing the loan. However, for new customers, the document requirements include 2 passport size photos, salary proof (Last 3 months salary statement) or business turnover details, self-attested national identity cards, proof of address (electricity bill or ration card, etc.), PAN card, ITR statement, and Form 16.
Yes, Rupeek offers a partial repayment process in case the borrower is unable to repay the total fund altogether. However, the individual jewels being part released should weigh approx. 10 grams or more.
Yes, you can easily apply for a credit card loan using online portals or mobile applications of your preferred financial institution.
Unfortunately, our lending partners do not accept gold coins or bars at the moment. Apart from that, you can pledge any kind gold jewellery of 18 carats and above to avail the loan.
It’s based on your unused credit limit and depends on the card issuer as well. Certain financial institutions cap the maximum amount offered as a credit card loan in Kolkata irrespective of the unutilised credit limit.
No, your CIBIL score is not required for a gold loan from Rupeek. The eligibility criteria are pretty minimal, which includes KYC verification only.
Your request has been received, our customer relationship manager has been notified and will call you shortly