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While you may see many credit card offers regularly, getting approved for one isn’t as easy. Maximising your chances of being approved begins way before the application stage and here are a few tips to help you:
Take your time to research
Jumping at the first credit card deal you see is often a mistake many make when they are starting out with a credit card. Just because a deal is advertised to you, doesn’t mean you will get approved.
Hence, you should take your time to assess three important things
- Your requirements
- The NBFC or bank
- Terms offered by different issuers
Terms like interest rates, annual fees, and rewards and bonuses are essential features of every card, which you should carefully check and compare.
For example, the Bajaj Finserv RBL Bank Credit Card offers up to 20,000 reward points as a welcome gift as well as the possibility of earning reward points on every transaction you make. Free movie tickets and other benefits can be enjoyed every time you reach a milestone.
Check the eligibility criteria
Every financial institutions issuer has different credit card eligibility criteria, like age, income and credit history, which you should check thoroughly before applying. Skipping this step may result in rejection which is going to negatively affect your credit score and the chances of getting approved for any other card as well.
Review your credit score
The first thing any credit card issuer looks at when you apply for a card is your credit score. It’s on the basis of this that the lenders assess your financial behaviour and the degree of risk they face in issuing you a credit card.
You should request for a copy of your credit report before applying for a card so you can review it and see if your credit score is ideal. If not, then you should take the time to improve your credit score before applying for a card to increase your chances of approval, by applying for a lower category card, and making other payments as well on time.
Lower your credit utilisation ratio
The credit utilisation ratio shows how much of your available credit you actually utilise against the total available limit. Having a ratio of 30% or less is advised by financial experts because having a higher ratio is an indicator of being credit-dependent. Hence, maintaining a low credit utilisation ratio is going to help you improve your chances of getting approved for a credit card.
Be careful with the details and the documents
While applying for a credit card, you will be required to provide a lot of information in your application including current and previous employment, salary, current debts, contact numbers and addresses among other things.
Make sure to be accurate with even the minutest of details and ensure to not miss out on any field because an incomplete application is grounds for rejection. The application usually requires several other documents which you must submit as per the issuer.
Apply for a credit card online and get instant approval with minimal annual and joining fees.
Ask your spouse to add you as an authorized user
If your spouse has good credit history, ask them to add you as an authorized user on their credit card. This is easy to do and will give your credit score a boost, increasing your chances of being approved for a credit card.
Things to note
In addition to the above tips, remember to pay of all your outstanding bills on any other credit cards you own, and steer clear of applying for multiple cards at once or within a short time period.
Instead, opt for a credit card that offers multiple benefits. For example, the Bajaj Finserv RBL Bank SuperCard is a card that gives you the power of 4 cards in 1. It’s a credit card, cash card, loan card and an EMI card, all rolled into one that provides industry-first features.
Apply for a credit card with Bajaj Finserv to ensure strong security, enjoy a host of rewards and benefits and get up to Rs 55,000+ annual savings.
You can also avail easy financing by the way of pre-approved offers for a host of financial products. The pre-approved offers make the process of availing loans easier and quicker like never before.
GENEVA — The battle to stem climate change may be lost as new information indicates the Amazon rain forest is turning from a carbon sink – or area that absorbs CO2 – into a source of carbon dioxide, the World Meteorological Organization warns.
The latest edition of the WMO's Greenhouse Gas Bulletin reports emissions of carbon dioxide, methane, and nitrous oxide once again broke all records last year.
The U.N. agency's report warns the concentrations of these greenhouse gas emissions into the atmosphere are driving climate change. It says carbon dioxide, the single most important greenhouse gas, accounts for approximately 66 percent of the warming effect on the climate.
The secretary-general of the World Meteorological Organization, Petteri Taalas, says about half of CO2 emissions remain in the atmosphere for centuries. He says the other half is taken up by oceans and land ecosystems.
He says it is not clear for how much longer forested areas, often referred to as the lungs of the Earth, will continue to act as effective carbon sinks.
"We have already seen some alarming indications that, for example, Amazonian rain forest ecosystem, which used to be a major sink of carbon, has become now a source of carbon, which is alarming," Taalas said. "And this is related to deforestation in the area and also changes in local climate because of this deforestation."
Oksana Tarasova, who heads the WMO's Atmospheric and Environment Research Division, says the WMO only now is revealing this new finding because it has taken nine years of observation to gather the measurement data set needed to understand the changes taking place. She says not all of the Amazon forests are turning from a carbon sink to a net producer of carbon.
"So, the Western part of the Amazonia still continues to work as a carbon sink at this point. But we do not know for how long that will continue this way," Tarasova said. "We are making the measurements there and keeping our track of what is happening there. … I would take the whole Amazonia as a whole that is seen that it is a sink, but its capacity is substantially reduced."
Meteorologists say climate change negotiators at an upcoming conference in Scotland must take concrete action and make concrete pledges to reduce carbon dioxide emissions.
They say setting carbon-neutral targets will not work in stemming climate change. They also warn the world is heading toward a temperature rise of 2.5 degrees Celsius by the end of this century. This, they say, is far more than the Paris Agreement target of 1.5 to two degrees Celsius above pre-industrial levels. (VOA/RN)
Keywords: Climate change, amazon rain forest, UN Agency Warns, World Meteorological Organization, greenhouse gas emissions.
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Receiving compliments is something that a majority of us enjoy. Compliments, after all, make us feel good about ourselves. Sometimes compliments intended to be flattering turn out to be a tremendous turn-off, and in some cases, they are insulting. 'Beauty with brains is one of those compliments. So, is 'beauty with brains' a compliment? Without further ado, I would confidently say- NO! It doesn't matter what your gender, colour, or identity is. The answer is clearly a no.
Beauty with a brain suggests that you can only have one of these qualities and that you are an 'exception' if you possess both. "Oh, Wow! You are a beauty with brains" is a phrase that women often hear. This statement is used when a female exhibits characteristics that indicate she is intelligent. People are taken aback if they see a wise and beautiful woman because women are stereotyped to be either beautiful or brainy. The concern with this is that it is naturally assumed that men are intelligent. Women, on the other hand, are supposed to have a natural beauty. If she isn't attractive according to the norms laid down by society, it is expected that she would at the very least be intelligent. When someone manages to be both, it is regarded as a significant accomplishment.
People are taken aback if they see a wise and beautiful woman because women are stereotyped to be either beautiful or brainy. | Photo by Unsplash
Women are being stereotyped into two attributes: being attractive and being intelligent, and they are being conditioned to think that these characteristics cannot exist together. When you tell someone that they are not beautiful, you are implicitly attempting to fit them into the so-called "beauty standards" that today's era is so preoccupied with maintaining. And that is a significant issue. We are not required to fit in; we should take the risk of being unusual.
Many movies, television series, and even advertisements depict the female lead as someone who is the attractive one, well-dressed, with a face full of makeup and lovely hair. On the other hand, the intelligent girl is usually the one with unkempt hair, strange fashion sense, and little to no makeup.
While our generation has been the target of insulting and sexist slurs that have caused us to question our abilities on several occasions, let us work together to reverse the trend. Let us educate each other that beauty and intelligence can coexist and that we are all beautiful in our way and don't need to fit in the so-called standards set by our draconian society.
Keywords: women mental health, beauty, brains, men, intelligence society
Malgudi, a small fictional town in South India has been part of the childhood of most Indians. It is an old, shabby, and peaceful town that is unruffled by politics. The stories set in this small town ring the sense of belongingness in the hearts of its readers. The familiar feeling that feels like home resonates with their soul. And teaches important life lessons to the readers through simple tales. Malgudi Days is one of the books that every Indian child should read. The book is a compilation of 32 short stories that paint a beautiful picture of small-town in India around the '60s and '70s
R. K. Narayan, one of the most well-known and popular writers within India and outside India is the creator of this town and the occurrences of this town. The stories follow the characters Swami and his friends through their everyday lives. Be it the story of fake astrologers who scam and loot the people by his cleverness, or the story of a blind beggar and his dog where the money blinded the man with greed; each story has a lesson to learn, morals and values hidden in it. As the stories are simple, easy to understand yet heart-touching it makes it easy for the kids to connect with each character and imagine the story as if the reader themselves were the protagonist of the story. In simple words, we can say that R.K. Narayan simply told stories of ordinary people trying to live their simple lives in a changing world.
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As written during the Indian Independence movements and finally published in 1943. The stories in the Malgudi days beautifully encapsulated the transitioning milieu of the British era to post-Independence India. Each of the stories portrays a facet of life in Malgudi and simultaneously a life in an Indian town. R.K. Narayan was one of the first writers who pioneered Indian writings in the English language and the book was later republished outside India in 1982 by Penguin Classics. Thus, the book enjoyed a worldwide audience. The New York Times even described the virtue of the book as "everyone in the book seems to have a capacity for responding to the quality of his particular hour. It's an art we need to study and revive."
The beautiful storytelling of the book was assisted by beautiful illustrations allowing the children to let their imagination teleport them to the world of Malgudi. All the illustrations in the book were illustrated by the world-renowned cartoonist, R.K. Laxman who is also R.K. Narayan's younger brother. The illustrations complimented the scenes from the stories and excited the children, keeping them engaged in reading the book for hours.
The illustrations complimented the scenes from the stories.Pixabay
The short stories from Malgudi Days were later adapted into a television adaptation in 1986. This show was directed by actor and director Shankar Nag. It was filmed both in Hindi and English, containing 54 episodes and the first 13 episodes respectively. Later the series was revived for additional 15 episodes. The show featured several popular celebrities from the Kannada film industry of those days – Girish Karnad, Vishnuvardhan, Ananth Nag, Arundhati Nag and Vaishali Kasaravalli, to name a few. The series was premiered on the Doordarshan channel and became the window into the town Malgudi for many. The show did not only excel in its storyline the TV adaptation elevated the storytelling as the show was technically very sound and stood out in its fantastic detailing in terms of locations and sets. With the cinematography being creative The Malgudi days- TV series once again warmed the hearts of both young ones and adults.
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Malgudi- our childhood home
Malgudi days hold a special place in the hearts of whoever has read the book as a child. With the detailed descriptions of the town and stories one almost gets a feeling that they've visited the place themselves. The characters, Swami and his friends feel like they were all readers' childhood friends. The surreal feeling of being home in the world of Malgudi. The world of Malgudi is intimate, warm, lifelike, and engaging. The setting is modern, and the life portrayed in these stories is contemporary. Still, there is an old-time air about It. R K Narayan once described Malgudi as "Malgudi is where we all belong, and where we wish we lived."
Keywords: Malgudi days, Malgudi, R K Narayan, R K Laxman, storytelling, our childhood home Malgudi