Do You Know Hidden Charges On Credit Cards?

What if you don't pay your minimum amount due for two consecutive months? You become a defaulter.If you don't settle the minimum amount due by the due date, you would end up paying a late payment fee. This fee varies from bank to bank.

Come check some hidden charges on credit cards.

You cross your credit limits

Credit limit is the maximum amount that you can spend on your credit card, as dictated by your income profile. You can spend more than your credit limit.But wait! Be ready to pay charges if you exceed this limit, which can be as high as 5 per cent on the exceeded amount.

You revolve your balance

Banks give you this option to pay a minimum amount by the due date and carry forward the rest to the next billing period. In this case, you will pay an interest on the amount that you carry forward.There's another catch: when you carry a balance from month to month, you do not get any 'interest free' period on new purchases you make.

You withdraw cash using your credit card

Apart from paying the regular interest of around 2.95 per cent, you will also have to pay a one-time fee of about 2-2.5 per cent of the amount withdrawn.Moreover, the cash advance fee is higher if you withdraw from an ATM that doesnt belong to the bank whose credit card you hold. Also, for cash withdrawals, there is no credit free period. The interest meter starts ticking away immediately.

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