Does Closing a Credit Card Affect Credit Score – In today’s time where credit cards are becoming increasingly common, no one wants to spoil their credit card score. In such a situation, people with such wisdom take decisions so that their credit card score does not get spoiled.

In such a situation, many times a decision taken without information puts you in unnecessary trouble, and one of these is closing your old credit card, which can spoil your CIBIL score.

Let us know in today’s post what happens to you on closing your old credit card and how it has a big impact on your credit history. And how to avoid it.

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After all, why is it harmful to close your old credit card?

By closing the old credit card, the limit of your current credit card gets reduced and by increasing it, your credit utilization ration increases substantially.

By doing so, your credit card history gets reduced which weakens your financial profile.

In such a case, you will have to reduce your expenses because in such a case, if you use the card excessively, your credit card score can also decrease.

In such a case, you should always keep in mind that you should use only 30%-40% of your card’s limit. This means that if your credit card limit is 1 lakh, then you should use only 30,000 to 40,000 rupees. By doing this, your credit score keeps improving.

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Why does the credit card score fall?

The biggest reason for this is that when you close your old credit card, then at that time your credit score comes down considerably. And in such a case, when you close the old credit card and take a new credit card, then the banks do not feel that your financial situation is stable, so in such a case they bring down your credit score.

In such a situation, our advice to you is that if you have any non-essential credit card, then pay it on time and avoid closing it. You may want to reduce the use of this credit card but do not close your credit card. Yes, if you do not want to use the credit card further, then you have no problem in closing this card.

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10 FAQs about Does Closing a Credit Card Affect Credit Score?

When is the right time to close a credit card?

If you want to close a credit card, close it only when it is new and the work has been done, doing so has very little impact on your credit score.

Does closing an old credit card affect your CIBIL score?

Yes, doing so can affect your credit card score, especially when your transaction record has been good for a long time.

Does having more than one credit card improve your score?

Yes, if you use your cards properly and clear your payments on time, your credit score can improve.

If we use our credit card less, should we keep that card?

If you want, you can use your credit card less so that it remains active and your credit history remains better.

Which thing has the most impact on credit card score?

Paying charges on time and having a long term credit history has a huge impact on your card.

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Is there any difference between closing your credit card yourself and closing it through the bank?

Yes, if you close your credit card yourself then the impact on your credit score is minimal whereas if your bank closes your credit card then the impact on your credit score is significant.

I do not use my credit card but an annual fee is being charged on it, what should I do in such a case?

If you wish, you can close your credit card but you must check your credit history and also keep in mind that after this it will be a bit difficult for you to get a credit card again.

If the credit card remains inactive, does the bank close it itself?

Yes, if you do not use your credit card for 12 months then your bank can close your credit card.

In how much time can the credit score be improved?

To improve your credit score, you should make your payments on time and by doing so you can improve your credit score in 3-6 months.

Does using a credit card increase your credit score?

Yes, if you use your credit card properly and clear the payments on time then your credit score can be improved in this case.

We hope you get information about “Does Closing a Credit Card Affect Credit Score” in our article, please do share, thanks.

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Debit Card and Credit Card Safety – Just as the use of credit card and debit card is increasing in our country, the cases of fraud related to it are also increasing.

Nowadays almost every working person, whether it is man or woman, has a credit card or debit card which people use for shopping or other online transactions.

Sometimes we even give our card to children so that they can buy something from the market using our card. In such a case, you need to be very cautious not only for your child to use your card but also when you yourself use your card, you should always be cautious.

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Friends, today’s article are based on how to avoid credit card and debit card fraud. Everyone earns money with a lot of hard work and no one wants to see their money being swindled, in such a case, today’s post is going to be very useful for you.

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So, let’s start.

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Set a limit for your daily transactions because if someone cheats you, he will not be able to withdraw more money than the daily limit and the remaining money in your account will remain safe.

Does Closing a Credit Card Affect Credit Score

If you lose your credit card or debit card or it gets stolen, block your card as soon as possible from the mobile app. If you are not able to block it from your mobile, you will have to call the customer care of your card and get your card blocked and save your money from being looted.

Always keep an eye on your children’s online shopping and gaming to make sure they are not using credit card or debit card there. Both of these are such habits that you never know when the card will become empty.

In such a case, keep checking the children’s card from time to time or give them a card with a low limit. Always keep these things in mind

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Nowadays you must be seeing in newspaper or TV news how people are being cheated online, so in such a situation it becomes necessary for you to review your card at least weekly and keep checking your bank statement online from time to time and in case of any suspicion of fraud, contact your bank immediately.

Never share your PIN number with anyone under any condition and do not write it down in your purse, if you have to write it down then write it down as a code word.

Try not to withdraw money from ATMs located in metro stations, retail stores, airports or other public places because in these places, the thieves have installed skimming devices by which they can clone your ATM card and withdraw money from it.

In such a case, you should always withdraw money from an ATM, no matter which bank’s ATM it is. Also, you should avoid logging into your bank account using Wi-Fi in public places because doing so can hack your card or your entire phone/laptop.

While shopping from any website or while giving your information on any website, check whether that website is safe or not. And for this, the safest way is to see whether the URL of that website has https prefixed or not. If it is not, then this site is not safe and if it is, then this site is considered safe.

Keep changing your passwords from time to time because your password is easily found on websites like dark web and this is the reason that changing your password after a few days is the right option for safety.

If a shopping website offers cash on delivery option then such website is considered safe most of the time because cash on delivery option is given only by those to whom they want to sell their product, those doing fake work do not offer such option.

While using the ATM, do not throw the receipt that comes out from the ATM just like that, but throw it after tearing it properly because by throwing it like this someone can misuse your bank account number.

Do not put any kind of information related to your net banking, credit card and debit card on the internet. If your card gets stolen or lost, it is best to get the call cab cards blocked at customer care without any delay.

Whenever you receive a new card, check carefully whether your envelope is properly sealed or not. And after this it is better to change your default PIN which comes from the bank as soon as possible.

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Keep changing your PIN after a few months and also keep in mind that if you give your card to a shop, they should swipe your card in front of you.

If you do not want to use your card, then cut it properly and throw it in a separate place. And do not share your personal details on any type of call or email. After any type of online transaction, always clear the cookies after logging in from the website.

FAQ about Debit Card and Credit Card Safety

Can someone withdraw money immediately if the card is lost?

Yes, it can be taken out, but if you have set a limit for your card and get your card blocked as soon as possible, then there are chances of your loss being less.

Is it necessary to change the card PIN frequently?

For safety reasons, changing the PIN after a few weeks is good for your financial health.

What should be done first when the card is lost?

If the card is lost, you should block your card as soon as possible and complain about your card being lost at the police station.

Is it safe to give the card to children?

If the children are small then avoid it, if the children are older then keep checking their transactions from time to time.

Is UPI transaction as safe as credit card or debit card?

If you keep your UPI app safe and do not share your UPI pin and OTP then it is absolutely safe.

Can we withdraw money by scanning QR code from our ATM?

Yes, now many ATMs have started UPI based cardless withdrawal system where you can withdraw money by scanning QR code from your phone.

Do all bank ATMs support cardless cash withdrawal?

Not at the moment, but only those ATMs which have ICCW support support cardless cash withdrawal.

What should we do after doing an online transaction?

After doing an online transaction, you have to logout from your PC or mobile and clear your browser history and cookies. Also keep checking your transaction notifications and emails.

Can your card be temporarily blocked from the mobile app?

Yes, most banks give you the option of temporary block or unblock.

So friends, we hope you find our article “Tips for Debit Card and Credit Card Safety” very helpful, plese do share with others, thanks.

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Checkout the detailed information about Highest Paid Jobs for Teens – You are a youth and you are searching for ways to earn money online on the internet, then let me tell you that you have come to the right place.

Friends, there are lakhs of youth in our country who want to improve their and their family’s financial condition by earning money along with studies and in this they search for online work, and for this reason we have made this post specially for you, read the post till the end, you will get a lot of knowledge from this post.

Here we will tell you what kind of online job you can do and how much money you can earn from it. You can search and apply for a job according to your skill from the list given below and earn thousands of rupees per month.

Let’s know about Top 25 Highest Paid Jobs for Teens in detail.

Freelancing writing

If you have a passion for writing and you can write well, then this post will be very good for you. You can also apply online for this. There are many websites like Monster, Naukri, Upwork, Indeed, Fiverr through which you can start this work.

Generally, you can earn 30,000 rupees per month or more by starting from this work. What is your topic for earning more money and what is the requirement of the person who will buy your article will determine the value of your work.

Data entry job

If you have good knowledge of computer typing, then you are the perfect candidate for this job. In this job, you just have to type and save the information given in the database and spreadsheet. Friends, this work is so easy, but with a few days of practice, you can achieve mastery in this work.

To start this work, you can search for work by entering your details on websites like freelancer, upwork and naukri.

You can easily earn 5,000 rupees to 15,000 rupees per month from this work. You can do this work early morning or late night and can also do some other work during the day.

Online tuition

If you want to do tuition work while sitting at home, then this work will be suitable for you. Under online tuition, you can teach science, maths, English etc. You can earn good money by teaching online subjects to students.

If your child understands your teachings well and gets good marks, then your work will keep growing every year, and you can also do a lot of progress in it.

If you want to start this work, then you can put your details on websites like vedantu, tutorme, monster, naukri, indeed from which you have the possibility of getting online students.

For this work, you will need good phone, MIC, and software so that the child can hear, see and understand what you say properly.

With this work, you can easily earn from 10,000 rupees to 50,000 rupees, and if your work grows in the coming time, then earning lakhs of rupees in this field is also not difficult.

Graphic Designing

If you know how to use graphic designing tools like Canva, Photoshop, coreldraw then this job is made for you. You can do this job through online freelancing.

Nowadays people need unique and different types of images to promote their work and in such a case if you know how to do this then you can easily earn from Rs. 10,000 to Rs. 40-50,000 from this job.

To achieve success in this work, you can improve your skills by watching video tutorials on YouTube and by using your skills on websites like Upwork and Fiverr, you can earn thousands of rupees per month sitting at home.

Social Media Manager

Friends, nowadays everything is going online, so nowadays even the shopkeepers of the streets are taking their business online, but they do not know how to promote their goods online. In such a situation, your social media skills will come in handy here.

You can tell your shop owners or office people about your specialty by telling them how you can reach their product to people in a better way on social media, through which they can earn money and also get new customers. You can also find work from website like fiverr and upwork too.

For doing this work, you have to increase your focus on services like basic social media marketing, SEO and content creation.

Through this work, you can easily earn from Rs. 20,000-50,000 to lakhs of rupees using your skills. If your work starts to gain momentum, you can also keep some people near you for work.

Selling Handmade crafts Online

If you can make products like handmade paintings, craft work, jewelry and customized key-chains, then this work is made only for you. In the beginning, you can do this as a side business, and when the work grows, you can do this work full time as well.

Today’s youth is very creative and if you enjoy doing work related to this field, then do this work.

By starting this work you can sell your products online through many apps and websites like amazon, flipkart, meesho, paytm.

If you want, you can also sell your products online on your own website or on social media platforms like Instagram, Facebook, YouTube or WhatsApp.

Your income may be less in the beginning, but if you bring something new in the market then you can easily earn 20,000-50,000 or lakhs of rupees per month from this work.

Affiliate Marketing

If you have your own website or social media accounts where users come to see or read your content daily, then you can earn good money by promoting affiliate links on your website or social media platforms.

This work may require a little effort in the beginning but your work will increase with time.

To start this work, you can use Flipkart Affiliate, Amaxon Affiliate and other types of affiliates that are used in India or abroad and you can easily earn from Rs 5,000 to Rs 30,000 per month.

Many young people in India are earning crores of rupees per year by doing the same work. In such a situation, if you want to do this type of work, then start this work soon and give some time, then you will also start earning good money by doing online affiliate marketing while sitting at home.

Virtual Assistance

This is a very flexible job for youngsters under which they have to provide virtual assistance to individuals and businesses in tasks such as email managing, social media updates, scheduling etc.

If you have knowledge of this type of work then earning from Rs. 20,000 to Rs. 40,000 is not a difficult task for you.

If you want to become more professional in this work then you will have to improve yourself in basic tasks such as data entry, email handling and scheduling. After that you can apply for work on platforms like freelancer, upwork and fiverr.

Make Money Online by Playing Games

Yes, you are reading right, if you like playing online games, and you also get paid for it from home, then now you can earn money by playing online games sitting at home and your parents will also be happy to see you playing online games.

For this you will have to participate in sports tournaments of many competitive games like BGMI, Valorant, PUBG, Fornite. And after this you will have to run your live streaming on game play like youtube, facebook gaming and twitch.

Slowly as your subscribers and viewers start increasing, you will start getting many rupees in the form of sponsors, advertisers, tournament winning prize money and donations.

Through this online gaming, you can easily earn from Rs.5,000 to Rs.1,00,000 per month.

Online Review and Survey

If you are free and want to earn money online then start participating in online product reviews and surveys. This is a very easy job and you can do it from your mobile itself. There is no fixed time to do this work and you can do it whenever you want.

To do this work you have to register on any website like google opinion rewards, swagbucks and toluna and start this work.

You can use the points you get from these on paytm, gpay, amazon or gift cards anywhere mentioned.

With this work, you can earn from Rs 3,000 to Rs 12,000 per month.

Blogging

If you like to write, then blogging can be a very good option for you. You can start your blog by writing articles on any topic of your choice. And after this, you can earn a good income through sponsors, advertisers, Google ads and other options.

If you want, you can choose tech, travel, food, health, finance or any other topic. Try to publish at least 5 blogs per week and if possible, each article should have 1000 words or more.

By doing this, you can earn from Rs 5,000 to Rs 80,000 per month.

Drop-shipping Business

Friends, there is a model of e-commerce called drop-shipping, under which you can sell products online without keeping any inventory of the product. Today I will tell you how you can start this work online.

Friends, for this you have to register on apps or websites like Meesho or Shopify and create your own online store where you have to list the products you want to sell. For this you can choose GlowRoad and AliExpress or any Indian trading product seller.

After that you can promote these products on social media platforms like Facebook, Instagram and by doing this whenever a user buys something from your link, you will get some commission for it. If you wish, you can also use Google ads or Facebook ads for this.

By doing this work, you can easily earn from 5,000 to 30,000 to 80,000 rupees per month. If you invest some money from your earnings on advertisement, then your sales will also increase significantly and by doing this you can increase your income.

Podcast

If you like to talk on different and interesting topics, then you should focus on podcasting because if your podcast becomes a hit, you can earn lakhs of rupees every month. However, you will have to work hard to earn lakhs of rupees every month.

You can record and upload your podcast on platforms like gaming, spotify, apple podcast. Similarly, if you make a podcast on youtube, you can earn more money when your podcast becomes popular.

With podcast you can earn money through advertising, sponsorship and Google or other ways.

You may earn less money from this work initially but after a few months you can easily earn lakhs of rupees per month.

Voice Over Jobs

If you have a good voice, deep voice or you can mimic any artist then you can make your own audio books online and upload them on other video platforms like youtube and earn good money through advertisements and sponsors.

The more creativity you show in this field, the more opportunities you will get to grow, it is possible that gold mine owners may notice your hard work and keep you in their team for dubbing movies.

To start this work, it is very important that you have a good quality microphone first. After that you can also make audios and list them on websites like Fiverr, Voices and Upwork and take orders from people. 

By doing this you can earn money from both sides and with this you can earn Rs 5-10,000 in the beginning and Rs 50,000 in no time and after becoming famous it will not be a big deal to earn lakhs of rupees a month. 

Stock Photo Selling

If you like photography then you can also sell your clicked photos online, and for this you have to create an ID on websites like Pexels, Pixabay, Shutterstock, Getty Images and upload your pictures and put a price on them.

You can see on these websites what kind of photos people like to buy and then you can also start photography of that type, by doing this you will be able to earn good money soon.

For this work it is necessary that you have a high quality camera or a mobile phone capable of clicking high quality images and then you can easily earn Rs. 5,000-50,000 per month through this work and once successful, earning lakhs of rupees will not be a difficult task. Selling b-books

If you like writing and you want to get your writings printed and sell them, but many times publishers are not ready for that because you are new in this field, then in such a case you can also sell your written book online as an e-book, that too without any publisher.

You can sell your written book on online platforms like google play boxes, amazon kindle or gumroad. Before writing any book, try to see on which topic people like to read books, and you just have to write your book on similar topics.

Initially you will earn less in this work but with time if people like your books then you can make good money every month.

Website Testing

Not just in India, there are thousands of companies in the whole world that get their own or their clients’ website tested, in which they ask the website tester for feedback on things like the website design, its functionality, its usability, etc., so that the company can know where it needs to improve.

For this work, there are many websites like testbirds, usertesting, trymyui from where you can get this type of work, for this work you can get from Rs. 5,000 to Rs. 25,000-30,000 per website. This is a job that you can do from anywhere whenever you want, no special office is required for this.

Transcription Work

This is a very good and very well paying job, only people with experience in this field are required.

In this work you have to listen to audio files by putting earphones and have to write or change them in text. For this your English should be of very high quality. This is a very focused job but there is a lot of money in it too.

For this you have to register on websites like GoTranscript, Rev, TranscribeMe. Many people pay per minute for this work, so you can easily earn Rs 10,000 in the beginning and gradually from Rs 50,000 to Rs 1,00,000.

Participating in Online Competitions

Friends, you will find many such websites online where company brands organize online competitions in which the winner is given cash prize, some other gift or gadgets as reward. In such a situation, this is going to be a great work for youngsters who like challenges.

For this, you can register on platforms like Instagram Giveaways, Kaggle, Skillenza and participate. In this, you can participate in many types of competitions like writing, quiz, gaming, designing.

By doing this, you can earn from Rs 5,000 to Rs 50,000 every month.

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Friends, now that time is gone when you needed a debit card or credit card to withdraw cash, now you do not need any card to withdraw cash.

In today’s digital India, withdrawing cash has also become quite comfortable due to cashless cash withdrawal. And for this, you just need to have a UPI app in your phone with the help of which you can withdraw cash from the ATM, that too without any card.

What is the card-less cash withdrawal facility? Friends, Interoperable Cardless Cash Withdrawal (ICCW) is such an international service which has been enabled in many banks of India.

Credit Card Hidden Charges

And now to withdraw money from ATM, you do not need a card, you just need apps like Paytm, Google Pay, Phone Pay, BHIM, using which you can now withdraw cash from ATM. When, where and how is this facility available?

Friends, this facility are available 24×7 in all the ICCW-enabled ATMs of the country, which you can use at any time and can withdraw money from ATM. Yes, you will have to check yourself whether your bank has installed it in your nearest ATM or not.

If this service is successful in the coming time, then it can be available in ATMs across the country. And this method is a very safe way to withdraw cash from ATM because through this no one can clone your card nor is there any risk of scamming.

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Know How to Withdraw Money from an ATM without a Card

If you want to withdraw cardless cash from your ATM, then you have to select “UPI Cash Withdrawal” or “Cardless Cash Withdrawal” option on the machine. After that you open your UPI app whether it is gpay, paytm, BHIM, phonepe or any other.

Now you have to scan the QR code visible in the ATM using your mobile’s UPI app and then enter the amount you want to withdraw in your UPI. That amount can be Rs. 500 or even Rs. 5,000. Enter the amount you want in your UPI.

After doing all this, enter your UPI PIN code and confirm the transaction. By doing this, your transaction will be successful and money will be withdrawn from your ATM.

Tips for Debit Card and Credit Card Safety

You can withdraw 5,000 rupees from your ATM through daily Cardless Cash Withdrawal. Some banks have also kept a daily limit of 10,000 rupees.

If you want, you can withdraw an amount of up to 5,000 rupees or 10,000 rupees at once or more than once in a day, but you can withdraw a maximum of 5,000 rupees in a day. You can also use the 10,000 limit given by some banks.

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FAQ about Withdraw Money from an ATM without a Card

Is cardless service available in all ATM machines in India?

No, currently this facility is available only in ICCW-enabled ATMs.

Which UPI can be used to withdraw cardless cash from ATM?

You can withdraw cash using any UPI supported app like paytm, gpay, phonepe, BHIM app.

For this, it is necessary to have internet in your mobile.

Yes, because when your internet is not working then how will you scan the OR code, in such a case it is very important to have internet in your mobile.

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What to do if internet network is not working in mobile?

For Cardless transaction, it is very important to have network in your mobile, so select only that ATM where your mobile network is working properly.

Is a new QR code generated every time you withdraw cash from ATM?

Yes, a new QR code is generated for every transaction.

Is there any kind of charge for Cardless transaction?

No, currently there is no bank charge for this, but the terms and conditions of all banks are different.

What to do if the QR code is not scanned?

If this happens, try generating a new QR code on the ATM screen or try it in any other ATM.

If money is deducted on failure of transaction, will it be refunded?

If money is deducted on failure of your transaction, that money will be refunded to your account within 24-48 hours.

Is Cardless transaction facility available for non-resident accounts as well?

If the non-resident account holder’s UPI is linked to an Indian mobile number, this can happen, but it is still a bank matter.

Is Cardless transaction completely safe?

Yes, Cardless transaction is completely safe because for this you will need OTP or UPI every time, and without that money will not be withdrawn.

If you find our article “Know How to Withdraw Money from an ATM without a Card” helpful, please do share with others, thanks.

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Credit Card Hidden Charges – “Hello sir, I am calling from ABCXYZ Credit Card Company, we have brought a lifetime free credit offer for you”. Friends, I hope you too get such calls, in which you will get an offer to sell free lifetime credit card.

This offer sounds very good and you find the limit of their credit card as per your expenses and there are no annual fees for it too. But friends, it is very difficult and it is always opposite to what you are told. The only difference can be that someone is charging more and someone is charging less.

If you take a credit card after hearing such things, from the same time 5 types of charges are levied on you by the credit card company about which you do not even have an idea.

Know How to Withdraw Money from an ATM without a Card

Banks do not give information about these charges to their credit card holders

Everyone tells you about cashback, reward points, discounts and many other types of offers on using credit card but they do not give you information about the hidden fees and charges of your credit card.

In such a situation, we have brought this post for you, after reading which you can know which are those 5 charges which are levied on your credit card which you do not even know about. So let us know about those 5 credit card charges,

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Annual fees

These are the charges that are levied every year which every credit card holder has to pay every year. These charges can range from Rs 1000 to Rs 5000; some bigger cards may have higher fees. Although some credit cards do not charge any fees for the first year, you have to pay annual fees every year thereafter.

Transaction Charges

If you use your credit card for any foreign transaction or withdraw money from your credit card using your ATM, then these charges are levied on it which range from 2% to 4% per transaction.

Late Payment Fee

If you do not pay your bill on time using your credit card, then it is inevitable that you will be charged a late payment fee. Credit card late payment fees depend on each card and can range from Rs 500 to Rs 1,000 and can also affect your credit score.

In such a case, if you use a credit card, it will be beneficial for you to pay your payment fee before time.

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Minimum Payment Fee

If you spend whatever you have using your credit card and you pay only the minimum payment instead of paying the entire pending amount, then you start getting a hefty interest on your outstanding amount.

And this loan interest can be from 2% to 4% per month and along with the actual amount, interest also starts accruing. In such a case, it will be better for you to pay the money on time.

Cash Advance Fee

If you need cash and you withdraw cash from your ATM using your credit card, then you have to pay charges ranging from 2% to 5% and its interest is much higher than the interest of a normal loan.

In such a situation, withdrawing cash without any hassle, that too by using your credit card, can create a huge interest for you.

Let’s know how to avoid these 5 Credit Card Hidden Charges

Before taking a credit card, get complete information about its rules, regulations and the charges and fees applicable.

• Do not spend more than the limit of your credit card.
• Always pay your credit card bill on time.
• Use credit card only when it is very necessary.
• It is not right to use cash advance, do so only when it is very necessary.
• Compare your card with other credit cards on our website.

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10 FAQs about Credit Card Hidden Charges

Are there charges on lifetime free credit card?

Yes, sometimes there are cash advance charges and transaction charges on such credit cards.

Can the annual fees of credit card be waived?

Yes, some banks keep such conditions under which if the user spends at least 1 lakh rupees from credit card in a year, then that user does not have to pay annual fees.

Does late payment affect your credit card score?

Yes, not making payment on time can lower your credit card score and in such a situation, if you have to take a loan, you may face difficulty.

Is it beneficial to make minimum payment on credit card?

No, it only covers the interest on your credit card but your base amount remains the same.

Can I convert my credit card reward points into cash?

Such offers are provided by some credit cards, and their rules and regulations are also different.

Is it right to withdraw cash from credit card using ATM?

You should only withdraw cash from your credit card in case of extreme need as it attracts heavy charges and interest.

Can I check the charges on my credit card online?

Yes, you can check all the details by visiting your bank’s official website or their app.

Are credit card transaction charges applicable only on foreign transactions?

Mostly yes, but sometimes extra charges are levied on domestic services through some credit cards as well.

Do the charges also stop after you close your credit card?

Yes, but only after you have cleared all your balance charges.

We hope you like our article on “5 Credit Card Hidden Charges You Maybe Not Be Aware”. For more information about credit cards, please do check our other articles

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Chandigarh got VAT notice – It has been 8 years since GST was implemented in the country but despite these businessmen of Chandigarh are still getting VAT notices.

And the penalty amount being imposed amounts to thousands of crores of rupees. Businessmen of Chandigarh are now very troubled by these notices which they get daily.

These people have requested the Chandigarh administration to implement the OTS system for this so that they can get relief from this trouble.

Chairman of Chandigarh Vyapar Mandal Charanjeet Singh said here that the businessmen of Chandigarh are already very troubled by these notices, which is affecting their health and business as well. He said that most of the notices are being sent to the shopkeepers in the wrong manner and they are being troubled.

PSEB Punjab Board 5th Result 2025

He also met the Governor of Punjab and the Administrator of Chandigarh Mr. Gulabchand Kataria regarding this matter. The Governor has given him full confidence that he will take the same decision with the officials related to this matter so that the problems of the businessmen can be ended.

It is worth knowing that till now no talks have been successful and efforts are being made from both sides to find a solution so that the problems of businessmen can be addressed.

OTS has been imposed in other states

Chairman of Chandigah Vyapar Mandal Mr. Rajiv Chadha says that if the government imposes OTS then it will not benefit the government because right now businessmen are not depositing money due to wrong notices and excess amount.

But as soon as the OTs system is implemented in Chandigarh, businessmen will start getting money deposited along with it. This will provide money to Chandigarh and also improve the financial situation of Chandigarh which is currently very bad.

Traders are demanding discount and interest waiver in Base amount

Under OTs, businessmen are also talking about discount and interest waiver in base amount. And the Vyapar Mandal says that by doing so, tax worth crores of rupees will come into the account of the GST department, Chandigarh and this amount can be from Rs 4000 crore to Rs 5000 crore.

It is being said that GST was implemented in Chandigarh on 1 July, 2017. And before GST, VAT was implemented in Chandigarh but now it has been 8 years since VAT was abolished in Chandigarh but notices of VAT are still coming.

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PSEB Punjab Board 5th Result 2025 – 5th class result has been released by Punjab Board on pseb.ac.in/results. In this way you can check your result from the website mentioned above and can also download it.

To see the result, you have to go to their official website pseb.ac.in/results and enter your roll number and date of birth and your result will come in front of you.

It is known that 3,00,575 students had given examination for class 5th of Punjab Board in which 1,95,582 students were from government schools and 1,04,993 students were from private schools.

Businessmen in Chandigarh got VAT Notice

Out of 3,00,575 students, 2,99,204 students have been promoted to class 6th while the rest could not qualify for the next class. Out of the students who passed, 1,94,740 are from government schools and 1,04,464 are from private schools.

Thus the passing percentage of class 5th is 99054%. The passing percentage of private schools is 99.50% and that of government schools is 99.56%.

Let’s know how to check PSEB Punjab Board 5th Result 2025

• To see PSEB Punjab Board 5th Result 2025, you have to follow the steps given below and check your result.
• To see the result, first of all you have to go to the official website of Punjab Board pseb.ac.in.
• After that you have to click on the result link.
• And then click on the link “PSEB Punjab Board 5th Result 2025“.
• Now you have to enter your roll number and date of birth and submit, your result will come in front of you.
• Check your name, parents’ name, school name, roll number and marks carefully in your result, and if there is any mistake, contact your school immediately.

Please download your result in PDF and save it with you and also take some prints of it so that in future when you have to show the result somewhere, you can show it immediately.

So friends, hopefully our post “PSEB Punjab Board 5th Result 2025” would have been very useful for you, please share it with your friends too, so that they can also see their result.

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