Do the math before opting for credit card balance transfer schemes
Preeti Kulkarni, ET BureauAt the height of the global meltdown in 2008-09 and its aftermath, several banks and credit card issuers in India had gone slow on growing their credit card portfolio. The number of credit cards in circulation fell as banks turned cautious and cleaned up their portfolios.
While this trend largely continues, of late, there seems to be a hint of activity in the market. "Banks are still cautious about issuing credit cards and are still watching the market. But, there is some positive movement in the market lately," says Shyamal Saxena, general manager, retail banking products, Standard Chartered Bank.
Some private sector banks have been trying to lure credit card customers of other institutions by actively promoting their credit card balance transfer schemes.
Credit Card Balance Transfers Can Wipe Your Debts in Time | Mini Tend
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