#loans and credit cards

[assetalliance]

Loan For Credit Cards

Credit Cards Facility

The majority of banks in Dubai give the best credit card deals, luring the average person and encouraging them to take full advantage of the facility in order to elevate their standard of living. In the modern world, credit cards are one of the most widely utilized banking instruments, being used by people from all social classes. Dubai residents benefit from credit cards in the following ways:

You don't need to bring a lot of cash with you when you go shopping. Without having to worry about carrying around an amount of risky cash, you can make any purchase of your choosing. The only restriction on how much you can spend with your credit card is the credit limit that has been set.

Your ability to pay your credit card debt over a period of time is advantageous and allows you some breathing room. You can make any offline or online transaction with a credit card without having any money in your bank account. When paying your bill, you merely need to have money in your account.

Your bank, which offers the credit card, reimburses you for the purchases you make using it, giving you access to a short-term, perhaps 50 days or so, interest-free loan.

These credit cards frequently include a variety of benefits, so the more you use your card, the greater the rewards you receive.

You cannot deny that the credit option is useful in crises, even if you don't like to utilize it.

In the event of unfavorable circumstances, credit shield insurance partially covers both your personal expenses and your unpaid credit card balances.

In Dubai, credit card offers are quite alluring and entice many potential customers to sign up for cards. The majority of banks provide exclusive offers, discounts, opportunities for cash back, and loyalty points. Discounts on food, entertainment, and movie tickets are just a few of the benefits and privileges available.

Key Advantages

You can get a variety of services and advantages with a credit card. Enjoy the convenience and independence that a credit card offers. Your credit card offers you the extra benefits, and it is issued by a respected financial institution and accepted in all countries.

Promotions

Discover the most recent promos and deals available to cardholders. Also, analyze the advantages of using your credit card. Learn about our security features, payment options, and other card benefits.

Rewards & Lifestyle

A selection of cards is created for you and your way of life. Receive immediate compensation for your financial investment.

Mobile Payments

When you use the Pay App to pay with your credit card, you can check out quickly. It is a quick and easy method to pay in millions of locations - on the web, in applications, and in stores.

Cashback Cards

On all of your credit card purchases, you will receive guaranteed cash back.

Advantages of using our services

All of your personal financial issues can be resolved quickly and easily.

We assist you in comparing the interest rates on personal loans in Dubai provided by the various banks so that you can select the most beneficial deal.

We give you the most recent information regarding the requirements for qualifying and the steps involved in the lending process.

We give you the most recent information regarding the requirements for qualifying and the steps involved in the lending process.

Effortless application process

Quick turnaround for bank processing and approval

Eligibility requirements for credit cards

Eligibility requirements for credit cardsAlthough different banks and credit card businesses provide various types of credit cards, the fundamental rule is that your credit limit is fixed based on your salary. According to the most recent Dubai Central Bank circular, only those with a minimum yearly salary of AED 60,000 are qualified for a credit card. To apply for one, you also require the following paperwork:

National Identification

Most recent account statement from your bank

Salary certificate

The most recent utility bill

In certain circumstances, the bank could request more paperwork. The bank will quickly accept your credit card if it is determined that you have a steady source of income and no unpaid balances from prior loans. Your credit card's interest rate may change based on the issuer. Some banks offer credit cards with no annual cost for the first year, and if the minimum annual card usage is not met after that, a minimum annual fee is charged. Some other companies only provide this option for premium cards. The annual charge typically varies based on the banks. It is always advisable to compare credit cards in Dubai and select the one that best meets your needs.

How to properly utilize your credit card

Know the amount you can spend with your card, and stick to it.

Online credit card transaction tracking

When you receive your monthly credit card statement, check the individual transactions by keeping your receipts. Any irregularities you find should be reported to the company. Check your current credit card statement every week, every two weeks, or soon after you make a sizable transaction if your credit card is linked to your online banking account.

You can save a sizable sum of money by paying off your credit card balance in full on the due date rather than paying the bank excessive interest rates.

Your credit card's late payments and non-payments would notably hurt your credibility.

When you start paying excessive rates of interest (20 to 45%) on the total bill amount, you will fall into a financial trap and should never choose the "minimum payment due" option unless absolutely essential.

Utilize the bank's SMS and email alerts to stay informed about your card transactions. Once you sign up for them, you even get SMS or email reminders for due dates.

When someone calls or emails you requesting your credit card number, be on the lookout and wary. Since the banks that provide your credit cards won't ask you for this information, you shouldn't trust anyone with it.

When you stick to these guidelines strictly, you will be able to get the rewards of using credit.

Credit Cards in Dubai

In Dubai, a credit card comes in quite handy, especially if you want to buy until you drop but don't have any cash on hand. The biggest benefit of using a credit card is the reasonable amount of time you have before making a payment. In addition, if you do not pay your credit card account on time, you will be penalized with interest that may be as high as 36% on the whole amount of credit. The advantages of owning a credit card in Dubai are, however, unquestionably greater once you understand how to manage your regular bill payments.In Dubai, the following fees are applicable to all credit card types:

Joining charge

Fee for cash withdrawal

Overage charge

Charge for late payment

What We Offer

Going up and past to meet every single prerequisite of our clients is our unmistakable attribute. Strolling an additional mile, we consolidate strengthening highlights to our current services adding to the comfort of your exchange.

Simple financing choices

Making credit/debit cards and bank moves as choices of accommodation to subsidize your record.

Safe and encoded transactions

Guaranteeing a security-tight exchanging stage for your protected exchange insight.

24/7 Client service Work area

A committed group of client support chiefs is on their toes for your assistance. Ask whenever and get a quick reaction.

Speedy and inconvenience-free withdrawal

Offering total liquidity for making withdrawal adaptable for all.

Account opening charges? It's Zero!

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+971-555394457

[navybrat817]

Okay, lovelies. Remember when I said the good vibes you were sending me may have tipped the scales in my favor? Well, buckle in because I'm about to get personal. 😂❤️

Like many people out there, I have student loan debt. My hubby has student loan debt. Hundreds and hundreds of dollars a month. Not only do we have student loan debt with terrible interest rates, we also had medical bills and credit card debt to take care of unexpected emergencies over the last few years. It's stressful. Many of you understand.

My family has never had much and hasn't been able to help, which I don't expect them to. I work hard to do what I can. I still had 10 years to pay on my loans when I checked a month ago. 10 years. There has been no end in sight.

Until now.

After a lot of hard work and working with a financial advisor, we paid off our two major credit cards today. I am paying the remainder of my student loans in full tomorrow. And within the next year, the remainder of my husband's student loans will be paid in full. Not only that, we will have a true emergency savings account opened by the end of the year.

Lovelies, I sobbed. Full on sobbed. Ugly cried until my chest and head hurt. The stress of this debt has weighed on me and kept me up at night. I worried for my kids. I worried for myself. And now I can actually put some of this money toward both their future and mine. It's an amazing feeling.

Now, we're not out of the woods. 😂 My hubby still has that last student loan, along with a car payment and our mortgage. But, fuck, the weight is so much lighter and I feel like I can finally breathe. We needed this win.

Appreciate the good vibes, lovelies. I'm sending them back your way. I hope any weight you have weighing down on you is lifted. I hope you can breathe a bit easier.

Love you all. ❤️

PS - The advisor also said no big spending, but my teammate said I should buy myself something nice and that candles don't count. ☠️ Can I buy a fictional husband? 🤣

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[lovesodeepandwideandwell]

12th day of my new job, my boss and I successfully coordinated our move into a new office space downtown, and I have more money in my bank account than ever in my life (which sounds like not much still but one time I took out a loan for a whole year's worth of living expenses (for a poor master's student in pre-covid days), so)

[rubenesque-as-fuck]

🎺🎺It's donnnnne!!! 🎺🎺 For the first time since ~February 2020, all of my credit cards are finally paid off again. Between getting hit hard with covid right at the beginning of the pandemic, then being unemployed for 8 months but not actually qualifying for unemployment, then going through a series of shitty jobs that didn't actually pay a living wage, for a long time it felt like I was going to be stuck in a debt loop forever. The light at the end of the tunnel only really appeared last year after I got a promotion and raise at my current spot, and even then it still took me another year of buckling down and putting most of my additional income directly into card payments. But it's fucking done. I know that this doesn't affect anyone else but it's such a fucking relief I'm sitting here crying while I try to get ready for work and I don't really have anyone to share it with so as usual I'm just yelling it into the blog void.

[goldkirk]

I'm so proud of myself about finances in the past couple months. I still struggle with money but I did enough meditation and journaling and practicing about it to make myself able to actually face my loans and credit cards and savings and bills and start really truly organizing and addressing them for the first time in years instead of just flying by the seat of my pants.

Like. This is a huge deal for me. I've felt like I'm in deadly danger every time I've tried to think about money for years and years. I'm finally able to look it in the face and stare it down and start to organize and plan on purpose instead of just keeping up with the minimum to stay afloat. I'm so proud of myself.

It's still a refrain of "GUILT (funny link)" every time I think about money but I'm able to actually make spreadsheets and face the numbers and monthly tracking again, and even make a new full budget which I haven't been able to do in ages.

still feel guilt, overwhelm, and helplessness, but no longer feel as much deep elemental shame and terror. that's progress baby

[menlove]

feel like a debt poll for us americans on here would be fun but monumentally depressing

[nkonson]

What is the difference between credit card and debit card? - Credit card

Credit card and debit card - In today's fast-paced world, financial transactions...

[mayflydecember]

so like does somebody wanna buy me a new car lmao

[assetalliance]

Loan For Credit Cards

Asset Alliance |Financing Broker Dubai

Asset Alliance has a professional team with expertise in finance, mortgage and loan brokers in Dubai.

Financing Broker,personal loan,Personal Loan,SMEs Business Loan,POS Loan ,Mortgage ,Business bank, account,Credit Card,Buy out Loan,Debt Consolidation, Car/ Auto Loan,Bank guarantee & Trade Finace Dubai.

[nat-20s]

Brb checking my credit score wish me luck

[bitchesgetriches]

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.

The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!

Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.

Keep reading.

Did we just help you out? Join our Patreon!

[lesbiancosimaniehaus]

This gives me a freaking headache. How do you rack up that much cc debt and then take on a mortgage that’s just south of $5k a MONTH???

[robfozdarling]

Sooooo yeah I decided to open commissions again! I’m in a very. Tough spot rn. I’m not getting enough hours at work and I’m hella short on money. I want to be able to actually afford rent and food n stuff so anything would be helpful :3

[crj-200]

dont tell your parents you want to move out and be independent because then they'll say shit like "but you're always going to have a roommate so why bother trying to live on your own" and "im sorry you hate us so much that you want to move out" and "you could just be independent living here if youd do what we tell you to do" and imply that anyone that agrees with me is an idiot who just hates them for no reason. the cool thing is theyll say this and then go watch their stupid comedy right after like nothing happened

[rewild]

Listen. I’m as anti capitalist as the rest of the disillusioned proletariat but if u put me in a farming simulator? I become possessed by the spirit of old man Rockefeller, who injects the very essence of capitalism into my veins. I become bound and determined to sell every material good I encounter in game. It seems im living my unachievable dreams of owning property and paying off debt. 🤠