Consolidation of Credit and Debit Card

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Consolidation of Credit and Debit Card

No Personal Details like Name, Phone Number, Email id or anything are gathered. So please feel free and give your opinion about the project consolidation of Credit and Debit Card rolled into one card. The proposed card can provide you with extra limits based on your account balance. A single card to fulfill all your cash and credit needs.

How many Credit cards you have

• 0
• 1-3
• More than 3

You mainly use your credit card for

• Restaurants
• Clothing and Shoes
• Entertainment
• Travel Services
• Petrol
• Internet Shopping
• Retail Shopping
• Utilities & Cash Advance
• Others

Does your Credit Card Belongs to the same bank

• Yes
• No
• Not All

What do you think of the concept

• I would be happy
• No this should not be done
• I dont know
• It would be great for bank
• It would be great for card holders

Have you ever missed your payments ( Default could be late payment also)

• Never
• Sometimes
• Often

The oldest card u have since how many months

• Less than 1 year
• Less than 3 year
• More than 3 years

How do you pay for your credit card bill

• Salary
• Saving
• Investment/Rental
• Balance Transfer
• Borrow
• Others

Typical Monthly Credit card payment

• Entire Balance
• Between Minimum and Entire Balance
• Minimum Balance
• Others

How much do you use Credit card

• Daily
• Weekly
• Fortnightly
• Monthly
• Others

Do you think its correct to spend through Credit cards because they allow purchase before funds are actually available.

• Yes
• No
• Others

Do you think that due to credit card, Consumer tend to overspend

• Yes
• No
• May be Sometimes

Details Regarding the Multiplier

Your Credit Limit would be set by the multiplier and your Balance in savings Account CL = Multiplier * SB Balance ex. 45000 = 4.5 * 10000

Age

Gender

• Male
• Female

Profession

• Professional, Manager or Executive
• Sales and Service Worker
• Self-Employed and Businessman
• Army/ Police/Govt Employees
• Production, Transport and Other Blue-Collar Worker
• Others

Currently Outstanding Overall Debt Please Include all kind of debts

• Less than 100000
• Less than 300000
• Less than 10 Lakhs
• More than 10 Lakhs

Average Balance in Saving Account

• Less than 5000
• 5000-25000
• 25000-50000
• Greater than 1 Lakhs

Average Credit Card Bill Monthly

• Less than 1000
• 1000-10000
• 10000-50000
• Greater than 50 thousand

Total Family Income - Annual Please give numbers only

• Less than 3 Lakhs
• 3 lakhs -10 Lakhs
• 10 Lakhs - 20 Lakhs
• More than 20 Lakhs

No of members in the family Please give numbers only

City

• Tier -1 (Metros)
• Tier -2 (State Capital)
• Tier -3 (Other Cities)
• Tier 4 (Towns)

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