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A STUDY ON CRDIT CARD

A PROJECT

In the subject of FINANCIAL SERVICES

SUBMITTED TO

UNIVERSITY OF MUMBAI

DEPARTMENT OF COMMERCE

2nd

Floor Ranade Bhavan University Campus Kalina Santacruz (E)

Mumbai-400098

FOR SEMESTERI OF

MASTER OF COMMERCE

BY

MR.MAHADEV SHINDE

Roll No.49

Specialization: BANKING & FINANCE

UNDER THE GUIDANCE OF

Prof .Dr. M.K.DEKATE

YEAR

2013-2014

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DECLARATION BY THE STUDENT

I, Mr. MAHADEV SHINDE student of M. Com. Part-I (Roll Number-49}at the

Department of Commerce, University of Mumbai do hereby declare that the project titled,

A STUDY ON CERDIT CARDS submitted by me in the subject of Financial services

for SemesterI during the academic year 2013-14, is based on actual work carried out by me

under the guidance and supervision of Prof.Dr.M.K.DEKATE

I further state that this work is original and not submitted anywhere else for any other

examination.

Signature of Student

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EVALUATION CERTIFICATE

This is to certify that the undersigned have assessed and evaluated the project

on A STUDY ON CREDIT CARDS in the subject of Financial services submitted by

Mr.Mahadev Shinde, student of M. Com. Part-I at the Department of Commerce, University

of Mumbai for SemesterI during the academic year 2013-14.

This project is original to the best of our knowledge and has been accepted for Internal

Assessment.

Internal Examiner External Examiner Director

Dr. V. Deolankar

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University of Mumbai

Department of Commerce

Internal Assessment: Subject: Financial Services

Name of the Student Class Branch Roll

Num

ber.First name :MAHADEV

Fathers Name: MANIKRAO

Surname : SHINDE

M. COM.

PART I COMMERCE 49

Topic for the Project: A STUDY ON CERDIT CARD

Marks Awarded Signature

DOCUMENTATION

Internal Examiner

(Out of 10 Marks)

External Examiner

(Out of 10 Marks)

Presentation

(Out of 10 Marks)

Viva and Interaction

(Out of 10 Marks)

TOTAL MARKS (Out of 40)

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CONTENTS

SL.N0. PARTICULARS PAGE NO.

CHAPTER 1 - INTRODUCTION

1.1 INTRODUCTION 1

CHAPTER 2ABOUT THECREDIT CARD

2.1 NEED AND SCOPE OF CERDIT CARD 6

2.2 TYPES OF CERDIT CARD 8

2.3 CREDIT CARD vs DEBIT CARD 11

2.4 FEATURES OF CREDIT CARD 14

2.5 BENEFITS OF CREDIT CARD 15

CHAPTER 3-SUMMARY OF CREDIT CARD

3.1 ABOUT CREDIT CARD INDUSTRY 19

3.2 INDIAN CREDIT CARS SCENRIO 20

3.3 TIPS OF USING CREDIT CARD 30

CHAPTER 4 : SUMMARY OF CREDIT CARD

CONCLUSION 33

RECOMMENDATIONS 34

APPENDICES

5.3 BIBLIOGRAPHY 35

Research and methodology:

For the purpose of present study secondary data were used.

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Secondary data:

1) Websites and search engines:

The internet, being the largest sources of information and knowledge, proved to be biggest

help in data collection. The website of various banks provides lots of information.

2) Book available:

The data was also collected from the book with us and the brochures also proved very useful.