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Spend Your Money on The Right Sunscreen

Aashmeen Munjaal, celebrity make-up artist and Bharti Taneja, Director of Alps Beauty Clinic and Academy have shared some tips:

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sunscreen
If you reside near the coastal regions or are going on a vacation to the beach, you should choose a sunscreen lotions containing SPF 30 to 50. Pixabay
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There are ample brands offering sunscreens in different forms, but you need to know your skin type before you spend a hefty amount on the product. So, make sure you buy the right kind of sunscreen, say experts.

Aashmeen Munjaal, celebrity make-up artist and Bharti Taneja, Director of Alps Beauty Clinic and Academy have shared some tips:

* Sun protection creams for face have to be of really fine quality. Rather than going for too many sun block creams, you need to choose light weighted mist spray and have a thin layer. For your body you can use thick layered sunscreen.

Lotions and sun-guards containing SPF (Sun Protection Factor) 20 to 35 are suitable for Indian skin types.

The rays of the sun affect the fair complexion easily. Lotions having SPF 30 is the best for people having a fair or wheatish complexion. In case you have a dark complexion, you should opt for lotions that contain SPF 20.

If you reside near the coastal regions or are going on a vacation to the beach, you should choose a sunscreen lotions containing SPF 30 to 50.

sunscreen
If you have very dry skin, you can blindly go for oily sun screen which has some greasy or oily effect in it. Pixabay

Sometimes for buying that sun screen you need to pay extra which equally hit your pockets. But after 50 SPF all sun screen are same in their effects.

* There are sunscreen lotions that are waterproof or water-resistant, which means that after the application of the lotion, even if you wash your face with water, the lotion will not wear off.

Waterproof sunscreen lotions will last up to 80 minutes in water and water-resistant sunscreen lotions can last up to 40 minutes in water. These kind of sunscreen lotions are best for swimmers.

* You need to identify if your skin is allergic to certain sunscreen. Different sunscreens have different ingredients so don’t be afraid of trying new sun screen.

Also Read: Sunscreens May Cause Vitamin D Deficiency

* If you have oily skin make sure you use gel based sunscreen or sun foundations — soufflé based, mousse based, powder based and water based.

If you have very dry skin, you can blindly go for oily sun screen which has some greasy or oily effect in it. It will eventually hydrate your skin besides protecting you from the sun.

For sensitive skin, avoid aphelia ingredients in skin. Also test the product on your skin at the back of your ear lobe. If there is no reaction you can continue with same sun screen. (Bollywood Country)

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How to Maximize Your Chances of Being Approved for a Credit Card

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.

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Credit Card
Opt for a credit card that offers multiple benefits.

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
credit card
Another step towards digitizing India is Encouraging Digital Transactions by exempting service tax on Cards (Wikimedia commons)

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.

credit card
A person using credit card for transaction, Pixabay

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.

Credit Card
Every financial institutions issuer has different credit card eligibility criteria. Flickr

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.

Also Read: Mobile Banking Becomes Main Personal Banking Channel In Singapore

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.