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Buy now and pay later with your credit card. Here is how

With rising inflation and bank rates, almost all of us are constantly searching for affordable shopping options. Fortunately for us, buy now pay later apps are here to solve all of our problems by offering us flexible payment options that make our favorite products extremely affordable. With the rapid rise of this system, not only are BNPL apps offering card features, but credit card companies are also trying to enter this market by providing users with pay later option. With both BNPL companies and credit cards racing to provide users with easy payment features, the shopping experience has become an incredibly seamless affair for most of us.

Functioning of BNPL apps

Before diving into the blurring lines between the BNPL facility and credit cards, it can help to learn about the paradigm employed by such lenders to make purchases more affordable for their users. Here is more information regarding the same:

The pay later facility can be availed either by making use of the feature available on the eCommerce website or by creating your personal profile on BNPL apps. You can even head over to buy now pay later websites to set up your account.
Through this feature, you can complete transactions simply by paying a small margin of the total amount, after which the BNPL lender takes care of the rest.
Once done, you can repay the amount through simple repayment schemes provided by the BNPL app.

BNPL vs Credit Cards

If you are wondering where exactly the BNPL system and credit card facility differ, then you are not alone. Here are some major aspects that establish a clear dichotomy between the two:

Eligibility – The eligibility parameters for credit cards are slightly more formal, whereas BNPL apps have smooth eligibility procedures.
Interest charges – Credit cards levy transaction charges on the user, whereas BNPL users are not required to make any interest payments.
Repayment flexibility – The repayment schemes instilled in place by credit card companies are generally monthly, whereas BNPL lenders provide flexible schemes extending to weekly EMIs as well.
Benefits and rewards – Credit card holders receive various premium benefits and cash rewards, which are minimal for BNPL card holders.

Buy now, pay later with your credit card

While an increasing number of credit card companies are racing to incorporate BNPL services on their cards, BNPL apps also provide users with the option to pay later using their credit cards. How can you be a part of this?

Step 1 – Pick a BNPL app of your choice, and download it to create your profile. You may even use the website or the BNPL app that the e-commerce site you shop from has partnered with.
Step 2 – Create your profile, and go through the OTP verification process that comes after you have provided them with rudimentary personal and banking details.
Step 3 – For the repayment scheme, click on the credit card option and enter your credit card details to pay for the items you purchased through your credit card statement.

Credit card services with the BNPL function –

Many credit card companies have also integrated this functionality onto their card to make the most of the growing support for buy now pay later services.
If your credit card company has this function, you can head to their official website, where you can view the available plans and the kind of transactions that are eligible for it.
Once you sign up for this plan, you can make purchases and pay for them later, the amount for which will be added to your due total.
While these plans will not affect your credit score, the amount that you are eligible for will depend on your creditworthiness.
With all the features of BNPL, you will still be eligible to earn rewards as before, thus making this an extremely lucrative scheme for credit card holders.

The truth is, finding the sweet spot between the usage of credit cards and BNPL services helps you find a balance between making mindful purchases and escaping needless consumerism. BNPL aims to make items more affordable, and with credit card payment options, they have given new meaning to fintech transactions. Moreover, many credit card companies have also jumped on the bandwagon, so users have a plethora of options to choose from. Simply visit their website, research the various available plans, and check the minimum credit you are eligible for with your creditworthiness. The bottom line is that with BNPL apps, shopping for your favorite products is no longer a luxury but more of a banal activity, one that reeks of comfort and convenience!

Get Those Exclusive Things For Kids At Buy Now Pay Later Stores And Split Payments Conveniently

The cute options of clothing and other items will definitely make them feel spoiled for choice. But as people say, ‘you get what you pay for.’ Thus paying upfront for the item you choose may scare you away from buying your children the best you want them to have. It is here that buy now pay later stores come to your assistance. They let you shop for kids without paying upfront. And you can pay for the item in installments spread out over four to five weeks. But to get the most from such offers, you need to do the following:

Go for a larger size

Children grow fast. And if yours is a big-boned child, go for a larger size. Doing this will help you avoid shopping within a short interval. When buying pants, go for the one with an elastic band that gets adjusted.

Buy from your locality

When trying to shop for kids, explore local buy now pay later stores. This way, you will have a feeling that you have supported a small-scale fashion designer. Shipping the item is more harmful to the environment than biking or driving to your favorite store. Still, such stores offer personalized customer service. And it will happily go the extra mile required to please you. The Internet abounds in directories that list the websites of independent retailers from whom you can make such purchases.

Be mindful of the store you choose

If you plan to use the split payments facility through a BNPL store, be mindful of the retailer you choose. Ensure that it is registered with RBI. You should also be mindful of the limit of loans fintech companies can offer. It is restricted to INR60000 at present.

Borrow with discretion

The interest-free window may prompt you to borrow more. But know that a BNPL scheme is like any other loan. If you fail to repay the amount within the interest-free period, you will have to pay the interest. And that is going to be exorbitant. And defaulting will add up to it and may take you into a debt trap. Spend reliably and set up an automated repayment mechanism. You will stay safe from such traps.

Master the art of mixing and matching

If you want to get maximum value for your money, you should learn to mix the branded attire with its local version. Buy expensive branded clothes long with their more affordable local versions. All it requires is an understanding of what you need and what you can get in the market.

Go for flexibility

The buy now pay later store should let you use its facility offline and online. It is perceived as a sign of a reliable BNPL store.

You should also consider the rate of interest and the repayment charges. Be aware of all the charges you may incur when defaulting.

Look for discounts and rewards

Certain buy now pay later stores to offer additional discounts and rewards. Sign up for the one that offers you such bonuses.

See to it that it does not affect your credit limit

The ability to defer payment is an exciting offer. And a BNPL lender does not even do a hard query on your credit card. But if you default, the lender may report it to credit bureaus. And your credit score may nose-dive. Making sure of timely loan repayment is the only way out.

If you are a reliable borrower, buying from buy now pay later stores offer you the following benefits:

Helps you build a credit history. This will increase your likelihood of availing of a loan in the future.
Offers you a seamless shopping experience: Most of the lenders offering BNPL facilities take care to offer a seamless experience to their customers. And their mobile apps are designed so that you can avail of the loan on the go. Setting up an account here is a breeze. And with minimal documentation, you avail your loan within a few hours of applying for it.
No credit history required: BNPL lenders generally understand that an average household may not have a credit history. And they let you borrow without having to worry about their CIBIL score.
They offer the try before you buy facility: This is one of the reasons why buy now pay later schemes enjoy this immense popularity. For instance, you may buy multiple items. And you can return the item that does not fulfill your requirements.

Shop for kids from buy now pay later stores. You will get the best without draining your wallet. A BNPL scheme is the financial safety net responsible borrowers cannot afford to ignore.

Learn about time cost quality in project management to ensure the best cash flow handling

A project is all about timely completion with the best quality at the lowest cost. Cash flow occurs in the most efficient manner with the key emphasis on timely completion of a project. It has often been observed that when a project gets delayed, there are bound to be cost overruns, and the rush for completion leads to a compromise in quality.

6 keys steps in project management focus on timely completion and cost, which influence the job’s quality.

The 5 key steps are

Activity definition- This key step focuses on making the basic framework of the project. The entire project team needs to get together and list out all the activities that should be done for timely completion of a project life cycle. A Gantt Chart is the next step and is made with time limits only after all the activities have been listed. This ensures adherence as well as compliance to time cost quality as these 3 factors are key to the success of a project, be it in construction, a plant, or a software system to be developed for a client.

Activity sequencing- The next step is Activity sequencing which is a very difficult as well as a detailed activity. All the identified activities are now sequenced in a Gantt or a PERT (Program Evaluation and Research technique) chart. Several activities may sometimes be going on simultaneously in different areas of as a project.Monitoring these activities individually determines the relationship between time cost and quality in project management.

Estimating resources- These important steps are now followed by estimating resources. Time and cost quality are important factors to be kept in mind for estimating resources. These are the people involved, the material to be used and the need for bringing in subcontractors to manage different aspects of the project.

Project schedule development- The individual activities of a project have been identified and documented. The resources have been arranged. It is now time to schedule each individual activity to identify the start and end timelines of each activity. The time taken for a project now begins to take shape.

Schedule control- There may be one or more project coordinators in a project that control the schedules of a project. The objective is to maintain the commitment to time cost quality.

How Cash flow matters

Adhering to time cost quality in project management actually ensures a good cash flow, and this is a healthy indication that regular monitoring will not lead to cash crunches or uncontrolled cost overruns. It is important to understand how cash flow is the amount of money and cash equivalents that flow in and out of business at any point in time. The business referred to here can also mean a project.

A positive cash flow indicates that a project has more cash than liabilities, and a negative cash flow should be avoided for the health of a project.

It is difficult to predict future cash flows for a project rather than an industry due to the sheer level of uncertainty and unpredictability in a project. These can, however, be largely overcome by monitoring time cost quality strictly at every stage and taking immediate action on deviations. Another way is to use cash flow management software. This professional software will help spread out costs. A tip is never to use cash for payments unless heavy discounts are offered. The software also helps develop automated invoices and bill payments to achieve positive cash flow effectively.

Mastering the time tested factors of time cost quality will go a long way in automatically ensuring positive cash flow in a project.

Things to do in Ooty that you will never forget

Ooty or Ootacamund is a very popular, much-visited hill station in the Nilgiri hills in Tamil Nadu. Ooty is a very picturesque hill station that was also very popular with British Colonialists, and they have left a legacy of European style cottages, villas, churches and parks. The best time to visit Ooty is from April to June during the summer months. The question of how to reach Ooty is best answered by the presence of Coimbatore, which has an international airport and a railway station on the mainline connecting Kerala with Tamil Nadu and Karnataka. Actually, Ooty has its own railway station, but it is a toy train station connected uptoMettupalayam.

The promise of exciting things to do

Travelling to Ooty by toy train is one of the most exciting adventures and one of the best things to do in Ooty. Built more than a century ago, this heritage 46 km train ride is a wonderful experience. Built on one of the steepest tracks in the world, the mesmerizing train ride passes through valleys, hills and 16 tunnels and meanders 206 curves to get to the top. The view is mesmerizing, and there are great places such as Lovedale and Coonoor that the train passes through before chugging into Ooty station. Maintaining the old world charm of this train route is one of the priorities of Ooty tourism.

A jungle safari in a hill station is a surprise combination and a day’s outing to the Madumalai national park and the Bandipur national park, which borders this park. This jungle safari is exciting as there is a lot of wildlife to look out for, and the wildlife includes surprises such as tigers, leopards, elephants and some rare species of birds. This national park is an hour’s drive from Ooty, and tourists can also take time to visit restaurants on the way to enjoy Ooty food.

A hill station always promises the lure of trekking routes for the adventured minded, and Ooty does not disappoint trekking enthusiasts. A best thing to do in Ooty is to take the unforgettable trek route to the Dodabetta peak. The Dodabetta Peak is the highest peak in the Nilgiri hills, at an elevation of 8652 feet. This is a mildly easy trek, and’;/; the view from the peak is unforgettable. The peak is not very far away from the Ooty city centre. There is a telescope house at the top for sheer viewing pleasure. The small plateau at the top is a good resting place after a long climb. Another great trek route but off the beaten track is the one to Needle view hill point, which is a great trek route but secluded, and Ooty tourism advises trekkers to go during the day as there is a risk of encountering wild animals.

Ooty is famous for boating, and Ootylake is an unforgettable place for boating. There are rowboats, motorboats and paddleboats available, and they can be hired for very nominal rates. There are many eateries along the lake, and tourists can enjoy Ooty food. There are also many resorts in Ooty overlooking the lake, and they are great places to stay in. Another lake named Avalanche lake is loved for fishing and camping and requires permission to visit as it is a restricted area. Both lakes are different in their way and offer unforgettable experiences.

Some of the things to do in Ooty is to visit the tea factory, which is a rich experience, and tourists get to learn about the intricacies of tea, how tea is processed and the large number of available flavours of tea. There is a retail outlet within the factory, and tourists can buy small sachets of unusual flavours of tea to take back with them. There is also a spice plantation in Ooty, which is recommended for a visit. Tourists are provided rich insights into how plants bearing home spices such as cloves, cardamoms, cumin and other spices are grown and harvested.

A holiday worth cherishing

The lure of a holiday in the Queen of the hills with so much to do promises an unforgettable holiday.

The dos and don’ts while filing car insurance claims in the UAE

While driving your own car in the UAE can be thrilling there is no guarantee accidents won’t happen because accidents can happen to the best. Damages to your car can come in any form – a road accident, theft of car or parts, a natural calamity or even a building/tree crashing on the vehicle while parked. In the event of a road accident, many car owners abhor the car insurance rigmarole -your insurance broker is the best person to step in on your behalf and acquaint you with the DOs and DONTs to help you file the claim.

Do’s

Call the police and file an FIR

In the event of a road accident, or whoever is at fault, the cardinal rule is to be present at the accident scene,inform the matter to the police and file an FIR (First Information Report) first. An FIR is a necessary document to initiate claims or if there is injury of the third party or death. However, not all accidents (those with minor dents and scratches) require an FIR necessarily.

Call the insurer and inform about the accident

After the FIR, you must contact your car insurance provider to assess damages and claims within the stipulated window – anywhere from 48-hours to a week to avoid any rejection of the claim. This is also the time when you can make the best of policy inclusions and benefits with your insurance provider like roadside assistance, pick up and towing of the vehicle.

Click pictures as evidence and proof

It is very important that you click as many pictures of the damage at the accident scene to submit as valid proof to strengthen and support your claim towards settlement. Alongwith pictures, take extensive details of the witnesses around, their names and contact details which come in handy at the time of investigation to expedite any car insurance claims process.

Call in medical aid to tend to injury

As important are calls to the police and the insurance company, so is calling in medical services to take stock of any bodily injury to self or third party and death in unfortunate situations.

Read policy document and forward required documents to the insurance provider

To initiate the claims process, your insurance broker can help you with understanding the clauses of the policy document, the process and time to be taken, extent of coverage, standard inclusions and exclusions and exceptions if any. Your insurance broker will also help in arranging documents like filling out the claim form, a copy of the insurance policy of the incumbent, a copy of the RC (Registration Certificate) and a copy of the valid DL (Driving License).

Don’ts

Not to run away from the accident scene

It is criminal to run away from the accident scene. The investigation team from the insurance provider will want to assess the situation and damage.One must avoid driving the car after the accident as any extra damage outside the accident may reduce your claim coverage or rejection of the same. No repair works should be initiated in the interim unless initiated/approved by your car insurance provider.

Not to conceal any facts

One must resist hiding any accident related details with the police or the car insurance provider at the time of investigation as it can lead to rejection of the claim on the grounds of insufficient data or unclear information and render the policy invalid.

Not to settle outside of insurance settlement

One must avoid any third party offers trying to settle any damages caused to you without involving and informing the concerned authorities or your car insurance provider. Doing this makes the accident illegal and any claims process will be rejected with no compensation.

Not to sign any papers in haste

One must not sign any car insurance related form or paper without having gone through the fine print of inclusions, exclusions, exceptions and discounts like no-claim bonus. Your insurance broker and legal expert should help navigate you through this process.

Which Are The Best Credit Cards In The UAE And The Process To Apply For Them

Credit cards come in handy at the time of emergency. However, with the rise in the number of uses of credit cards, financial institutions have taken note of it and decided to go one step ahead.

Users of credit cards in Dubai can now avail themselves of attractive discounts and cashback, and many other offers. The good news is that these are given to the user every time he or she spends some money on a qualified purchase.

Out of all the variety of options, it is important to choose the best credit card in the UAE to ensure that not a single benefit is missed.

Best Credit Cards in The UAE

Choosing the best credit card in UAE is not as tricky as it may look. One only has to identify where they spend most of the money.

Here are some best credit cards in the UAE that you can consider.

FAB Cashback Credit Card

Fab Cashback Credit Card offers the best credit card in the UAE in terms of offers. Customers are required to pay only AED 315 as an annual fee. They must have a minimum salary of AED 5,000.

In return, customers are qualified to avail complimentary access to at least 10 airport lounges across the UAE and discounts on their rides.

Deem Platinum Miles Up Credit Card

The best credit card in the UAE is definitely offered as Deem Platinum Miles Up Credit Card when it comes to those who travel a lot. A minimum salary of AED 10,000 is required to obtain it at an annual fee of AED 200.

Reward values total to around AED 13,128, with customers getting access to more than 25 airport lounges in Levant and the Middle East.

CMD Smiles VISA Signature Credit Card

Many best credit cards in the UAE exist, but CMD Smiles VISA Signature Credit Card steals the light when it comes to cinema rewards. Customers are required to have a minimum salary of AED 15,000. It attracts an annual fee of AED 1,048.95.

Customers find CMD Smiles VISA Signature Credit Card as the best credit card in the UAE as it offers around 50% discounts on movie tickets.

ADCB Touchpoints Infinite Credit Card

As the best credit card in the UAE, it must meet the basic requirement of offering good discounts and rewards. That is where ADCB Touchpoints Infinite Credit Card excels. It has some of the best rewards on movie tickets and travel.

Customers can avail themselves of the discounts on dining and hotel expenses. They must have an income of AED 15,000 at least. The annual fee attached to this credit is AED 1,050.

Citibank Citi Cashback Card

Customers prefer Citibank Citi Cashback Card as the best credit card in the UAE as it offers numerous cashback rewards. The sign of the best credit card in the UAE is that customers must be able to get good rewards in the form of cashback.

The annual fee of AED 300 begins only from the second year. The first year is entirely on the company. Customers with a minimum income of AED 8,000 can apply for Citibank Citi Cashback Card

The process to apply for all the best credit cards in the UAE is fairly simple. Customers must visit the official website of the bank or the authorized aggregator. They are then required to register on the website by entering all the relevant information.

Customers might be asked to provide proof of their income. They can also choose to visit the branch of their bank to get a consultation regarding the best credit card in the UAE.

The Weyay Digital Bank App Is Your One-Stop Shop to All Your Banking Needs

Weyay is Kuwait’s first digital bank. It was introduced by the National Bank of Kuwait (NBK). NBK is the largest financial institution of Kuwait, having headquarter in Kuwait City. Weyay is launched keeping in view the financial needs of the youth of Kuwait. Its launch as the first digital bank in Kuwait has proved the strong leadership of NKB in digitalizing bank services and its excellent innovations in the banking sector. This new digital bank app aims at providing cutting edge technology and services to its customers. The young generation of Kuwait is highly independent and ambitious. About 80% of youth customers search for a tool that can help them in their personal investment and track their money. Most of them opt for external apps and other methods besides their regular banking. They want advanced banking services to meet their financial needs, and this app can be a boon for them.

It’s a different kind of digital bank built according to the customer’s needs. This bank has a user-friendly interface to access all services easily and quickly. Its security standards are the latest, including biometrics like Face ID, as the present generation trusts it more than older verification methods. This bank is currently in beta phase where a group of users are using it and continuously helping to improve it for its customers.

Weyay offers integrated banking products and services. It will provide a financial platform to the youth customers where they can make investment decisions that can help them succeed.

Services offered by Weyay:

Weyay acts as a one-stop shop for its customer. In other words, it will act as a financial supermarket. Its services include:

A customer can make a payment using this digital bank app service. It will lead to debiting from the customer’s account.
By using this digital bank app, customers can easily inquire about account balance manage account transactions and other bank transactions.
Customers may allow the bank to remember certain details, which will be automatically reproduced at the time of login through the digital bank app.
One can also request for a debit card to be linked to the account for local transfers, but international transfers will be permitted only after the completion of the Know Your Customer Form.
Weyay account holders should follow the account limit for day to day and monthly withdrawals and transfers as per the CKB norms.
Accounts opened through the digital bank app should not have a credit balance of more than 5000 Kuwaiti Dinars. Bank can deny credit transactions into the account if it exceeds the limit of balance. It can be either salary, allowance, refunds or bank transfer.

This digital bank app can undergo further improvements depending upon the need of its customers.

Procedure for opening a Weyay account: This bank welcomes everyone to open the account. The account opening procedure is completely digital with zero paperwork. Customers can also opt for the colour of the card and can start its immediate use. One must be either 15 years or older with a valid Kuwait Civil ID and a smartphone. You just must answer a few questions, and then you are done. The bank is in the process of inviting people who pre-registered themselves for account opening.

Information collected while signing for the digital bank app includes:

Name and contact details and email for processing banking products and services applications. The E-mail address is also used for login purposes through the bank app.
Age proof to verify that you are eligible for banking services and products.

Data such as pictures and Civil Id to prevent fraud in connection to the account.

What is a dohar? – All you need to know

It is about to get colder across the country, and warm blankets and hot chocolate are on the minds of many of us. The temperature should be a determining factor when deciding whether to buy a wool blanket, microfiber comforter, or cotton duvet. If you must buy an item, should it be a quilt, dohar or a doona? How warm is a fleece blanket compared to a wool blanket? There are so many choices available in bed linens that it can be overwhelming to pick the one that will keep you comfortably warm. Find out why a dohar is a better option for your summer as well as winter season. The following information will provide you with more details if you are searching for a perfect dohars online:

Dohar: What is it? How is it useful?

Usually, a cotton or flannel layer is placed between the two sheets for extra warmth; dohar bedding is made by stitching two cotton sheets together. A quilt may or may not be placed on top of the bedding. Traditionally, dohars were handmade, with downy or cotton fillings for the body.

Dohars are traditionally used for summers during the summer months. However, they also make a great choice during the monsoon season as well as the winter season, when temperatures drop significantly. Although most modern Indian homes use air conditioners for sleep in the summer, dohars are still a popular choice. This dressing will keep you warm and comfortable during cold nights but won’t overwhelm you as a full-blown quilt would. You can use it at any time of the year when you have an air conditioner on, and the temperature is between 21 and 24 degrees Celsius.

Why choose Dohars?

Dohar blankets are available in a variety of sizes, including single dohar, double dohar, and even a combo unit. Numerous options will be available to search for a Dohar online without hassles. Block printing techniques are used to carve and chisel patterns into wooden blocks. They are neatly embedded into the fabric using natural dyes and azo-free press-on. Clothes have been stamped a minimum of 500-3,000 times, even more, as every colour comes from a distinct block!

Dohar offers a sheer softness that will make you fall in love with its fabric. With the help of washing machines, they can be easily washed due to their size. They are perfect for throwing on a chair or sofa whenever you like. They can also be laid over your bed to make you feel more comfortable. As far as size is concerned, there is also an option for infants and children. This type of blanket helps keep warm and comfortable in winter and pleasant in summer. Many of them come with lovely colours on the cover/case.

What is the best method for cleaning my dohar?

There is no need to worry about maintaining dohars. As soon as they are washed, they dry quickly and lose all dirt and germs. Those who own dohars are probably already familiar with some ways to clean them. In either case, you can wash it later with cold water in your washing machine or by hand. Hand washing is effective, but it is also labour-intensive. The dohar fabric is 100% cotton, so here are a few wash tips to keep the quality of the fabric. Coldwater is the best way to keep the fabric in good condition. It must be dried at low temperatures or on a line to achieve the best results. In addition, you shouldn’t bleach or iron it, even at medium heat.

You can find a perfect customized quilt online today. Choose the right pattern and design of dohar for your bedding with your smartphone.

5 Significant Advantages of Buying Mobile Phones Online

Mobile devices are an extended detached part of our life. We cannot live without it, even if we try to. Whether personal or business, mobile devices have become a basic necessity.

The on-the-go feature of a mobile phone enables every user to perform different tasks. This includes communicating from anywhere, editing your task sheets irrespective of where you are located, or paying bills simply with a few taps.

Offline retailers may strike first if you are from a generation that is old and coming to terms with the existence of technology. A generation that has taken its first breath amid the rise of the magic knows about the importance of online retailers.

Significant Advantages Of Buying Mobile Phones Online

Experts estimate that online retailers will contribute around 14.22% by 2023 in terms of selling mobile phones over the internet. Therefore, vendors looking to sell mobile phone online have already shifted to an online selling platform.

Here are some more benefits of buying mobile phones over the internet.

1. Options

Customers have tons of options while purchasing a mobile phone from an online retailer. This does not limit to only the model of a mobile phone. It extends to its features, discounts, colours, and even retailers.

Customers can view a list of retailers who are offering the same mobile device at different prices. An online store enables customers to apply filters like sorting mobile phones by price, brand, or offers.

Vendors who sell mobile phone online get feedback that customers find it very easy to browse their way to purchase a mobile phone. eCommerce platforms allow customers to compare the prices of different mobile phones and choose what suits them the best.

2. Convenience

eCommerce platforms offer convenience to their customers. In contrast to traditional shopping methods, customers do not have to look for parking. They also do not have to be on time before the shop closes.

While shopping for a mobile phone over the internet, customers can access their favourite eCommerce platform whenever they want. They can even shop for the mobile phone at midnight.

Digital platforms are on the edge of becoming the exclusive partner for brands to sell mobile phone online. They only have to line up the sale. Customers then log in to shop instead of lining up outside the offline store, waiting to get their hands on the mobile phone.

3. One-Tap Process

With utmost honesty, there is no guilt in admitting that not every purchase from an eCommerce platform turns out to be a perfect purchase. This is exactly why online platforms have made it easier for customers to return their products and get refunds. Products can also be exchanged.

It takes only a few taps for the customer to do so. Brands that sell mobile phone online report the highest customer satisfaction due to this advantage.

The process to cancel the order is equally easy. An order can be placed today and cancelled at any time before it is delivered.

4. Best Customer Service

Business to sell mobile phone online requires a lot of space for customer service. This is taken care of by the eCommerce platform. Customers who buy a mobile device online can also rely on the customer service of the online platform.

Customer service by every eCommerce platform remains available 24*7 via call, chat, or email. Representatives are well-versed in taking care of all the issues.

Every kind of problem is resolved within a few minutes. Many platforms have gone ahead to deploy chatbots that completely eliminate the need to connect with representatives and resolve the issue faster.

5. Offers And Promotions

Buying mobile phones online is fun because eCommerce platforms sell mobile phone online every time with an amazing offer. Customers can log in to purchase a mobile. Chances are they will come across an offer each time they visit.

Offers and promotions include cashback, discounts, coupons for a future purchase, or an exclusive chance of pre-booking a mobile phone at a lower price.

eCommerce platforms allow their customers to set notifications for the offers, especially if they are related to a season or festival. Digital platforms often send a discount notification automatically if the mobile phone is included in the wishlist or cart.

Whether a customer or a seller, giving every eCommerce platform a shot is recommended. There are many significant advantages of buying mobile phones online, and the world is going digital in near future.

3 Must-Have Beauty & Grooming Products To Have By Your Bedside

Little else spells self-care as beauty and grooming. Hence, make sure you invest a bit of your time and money into effective beauty and grooming products that don’t just make you look good but also feel good. Given the busy schedules most of us have, of course, this is no easy task. Hence, if you are a real busy person with no time for beauty & grooming rituals first thing in the morning, it might just make sense of to invest in night-time beauty and grooming products; keep them by your bedside and unwind after a tiring day by massaging in a bit of skin care products for under eye care, anti-aging cream, and perhaps a bit of care for your feet and hands.

If you are wondering where to start, well, here are 3 beauty and grooming products that you have must have by your bedside.

Must-have skin care product #1

An anti-aging cream is the best gift you can give yourself each night. This is because once you are past 30, it doesn’t matter if you do not associate beauty and grooming with youth; your skin is taking longer to renew itself. This calls for some TLC intervention. And what better than gently massaging a beauty and grooming product that has specifically been formulated to help fight such signs of aging and restore your skin’s maximum ability for rejuvenation? Why night you ask? Well, because night is also when your body, mind, and skin work maximum to restore themselves. And hence, a little boost in the form of an anti-aging cream is just the thing your inner diva needs to wake up to some magical transformation.

Must-have skin care product #2

If you absolutely struggle to find time for not just beauty and grooming but also skin-care, well, atleast just make time for this one. It will keep you from feeling and looking tired by leaps and bounds. An under eye care cream, in fact the best under eye cream out there, is what you should get your hands right away if you spend hours straining your eyes in front of the screen or even worse, stay up late hours. Effective under eye care starts with the best under eye cream, followed by eye masks and eye pillows for a cooling and restorative impact that stays long after. This becomes critical from multiple perspectives – feeling rejuvenated, looking fresh and confident, and having an excellent base for your eye makeup. Trust us, no winged eyes, Smokey eyes, or just a coat of mascara and kajal for that natural look can make an impression when you have got baggy and tired eyes.

Must-have skin care product #3

Another absolutely essential skin care product that does wonders for beauty and grooming is a hand cream. Yes, you got that right. Unlike your face, where you can use make up products, you absolutely cannot use much on your hands to conceal tired-hands or skin. More importantly, well cared for hands say a lot about how much you value your self and prioritize your own self care and grooming. While any hand cream you use in the day time is bound to get transferred since you are always using your hands for tasks, night time is perfect to rub in an aromatic and relaxing skin care moisturizer or hand cream or lotion on your hands and wrists. It can go a long way in also making you feel asleep easily owing to its calming and therapeutic effect.

Conclusion

Night-time can be a great time to take out a few minutes for yourself and up your beauty and grooming regime with some highly relaxing and effective skin care products.