Realized what you’ve been doing wrong all this while? Well if not, then we’re pretty sure a cautious message has been conveyed for transacting better in future. Travel Myths Busted: Don’t Let These Cliched Fables Ruin Your Travel Experiences Hence, make use of it while the time still may be right. Online payment portals such as PayTM, Mobikwik, and PayU are some of the leading digital platforms that are used for every other transaction in India. While cash and credit balance and spends may be limited to a particular amount that varies from bank to bank, paying for your transactions via NEFT/RTGS may fetch you a better deal. While you exchange foreign currency in India, make sure you confirm that the dealer you’re dealing is an authorized stakeholder of RBI.While you may be a pro at increasing your credit score, using credit card and international debit card too much could result in unnecessary convenience fees, and transaction fees that can also add to the interest rate you pay as the exchange rates may fluctuate anytime. Avoid over-usage of your debit and credit cards.Always compare the rates, with various dealers, on different portals, and on different dates to find better exchange rate. Do not believe in word of mouth when you’re about to exchange foreign currency. While it is important to carry some amount of cash, it is always better to carry cash and cards in a ratio of 30:70 respectively, for managing finances better. Get into a habit of the 30/70 practice. It is pretty obvious that you will be planning your trip well in advance and you might as well exchange foreign currency simultaneously.
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