Credit card processing time in India can vary depending on several factors, such as the payment gateway used, the issuing bank, and the merchant's processing system. Typically, credit card transactions in India are processed quickly and efficiently, taking only a few seconds to a few minutes to complete. When a customer swipes their card or enters their card details online, the transaction is sent to the acquiring bank or payment gateway for processing. Read More: https://financecardblogs.blogspot.com/2023/04/how-long-does-it-take-to-process-credit.html

Variable APR credit cards come with significant risks that need to be understood before applying for one. The interest rates on these credit cards can rise over time, leading to higher monthly payments, debt accumulation, and a negative impact on credit scores. Unpredictability can also make it challenging to budget and plan for payments, while additional fees and charges can add up quickly. Comparing variable APR credit cards can be difficult due to varying interest rates, making it essential to read the terms and conditions carefully and plan payments to avoid debt accumulation and damage to credit scores. Read More: https://creditinfobysakshi.blogspot.com/2023/04/understanding-risks-of-variable-apr.html

Negotiating a lower variable APR on your credit card can save you money on interest charges and help you pay off your debt faster. To do so, you should research the current market rates, gather information about your credit history and payment behavior, and review your credit card agreement. Contact your credit card company's customer service department and ask to speak to a representative who can help you lower your APR. Read More: https://financecards.wordpress.com/2023/04/26/how-to-negotiate-a-lower-variable-apr-on-your-credit-card/