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YES BANK POP-CLUB Credit Card: Rewards, Fees & Benefits

by Priya Shah – Business Editor
written by Priya Shah – Business Editor

YES BANK POP-CLUB Credit Card: A ‍Detailed Look

The YES BANK POP-CLUB Credit Card⁣ is⁣ a ⁤new offering aimed at consumers with ⁤regular online and UPI spending habits. Currently available on a lifetime free basis untill December 31st, 2025, the card focuses on rewards earned ‍through POPcoins.

Rewards Structure & Redemption

Cardholders earn 10% POPcoins on⁤ all online‍ transactions. An additional 5% POPcoins⁤ are ​awarded on UPI spends. Specifically, a 5% cashback⁢ equivalent in popcoins (redeemable at Rs. 0.10 per POPcoin) is available on UPI ​transactions processed through POP UPI.⁤ POPcoins can be redeemed within the POP App ​across a network ‌of over 800⁣ brands at a rate of Rs. 1 per popcoin.

Eligibility & Restrictions

Applicants must be between 21 and 60 years of age to qualify for the card. ⁢The ⁢card is offered through a card-to-card program, leveraging ​existing credit card relationships. A key restriction is that YES Bank‌ policy currently allows ⁤customers⁢ to hold only one YES Bank credit card. thus,individuals already​ possessing a YES Bank credit card are‍ ineligible for the POP-CLUB Credit Card.

Comparison to Othre Cards

Several RuPay credit ‍cards have recently entered the​ market, often in partnership with fintech companies. Examples include the Kiwi Credit Card, wich‍ offers up to 5% ⁣cashback on ‍Rs. ⁤1.5 lakhs⁣ in annual spending, requiring​ a ‌Rs. 999 ⁢+ taxes Kiwi Neon membership for maximum⁣ benefits.The ‍axis⁢ Bank‌ supermoney credit⁣ Card provides 3% cashback on UPI transactions made via the super.money App, capped​ at ​Rs. 500 per⁢ month.

Is This Card Right For You?

The YES BANK POP-CLUB Credit Card’s combination of a potentially high reward‌ rate and diverse redemption options makes it a compelling choice for those with significant online and UPI spending. The lifetime free ‌offer​ (until December ‍31st, 2025) further enhances its appeal.

Disclaimer: Mint ⁤has partnerships with fintech companies for credit product offerings,‌ and⁢ details sharing ​might potentially⁣ be​ required during submission. ‍These⁤ partnerships do not influence the editorial content presented. This​ article is for informational ‌purposes only, aiming to educate ⁣readers about credit products and responsible financial ⁣practices. Mint does not endorse or ​encourage taking on ⁢debt, as it ​carries ‌inherent risks like ⁣high interest ⁢rates and potential hidden ​fees. Consult with a qualified financial advisor before making any credit-related decisions.

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Sport

How Benji Marshall got Wests Tigers trending in right direction after Tim Sheens sacking, 2025 season, Jarome Luai, Lachlan Galvin, Shane Richardson

by Alex Carter - Sports Editor
written by Alex Carter - Sports Editor

Building a Family Culture: Benji⁣ Marshall‘s Early Success at the tigers

The​ Wests Tigers‘⁣ recent recruitment strategy, highlighted by the inclusion of the Fainu brothers ​and the ⁤Mays‍ – Terrell and Taylan – has ‍fostered ⁢a unique team dynamic under coach Benji Marshall. This approach‌ goes beyond‌ simply assembling a talented squad; Marshall has cultivated ‍a strong sense of connection ⁤amongst his players, rooted​ in a ⁢feeling of shared belonging.

Coaches across professional sports continually seek the optimal methods to motivate peak performance. Marshall appears to have discovered a notably effective formula for the Tigers, centering on‌ the concept of ⁤family within the ⁢team. ⁣He actively encourages players’ children to join the team in the dressing room after matches, a small gesture that underscores his⁢ commitment to this philosophy.Assistant coach Benji‍ Richardson believes Marshall has‍ assembled⁤ a group fully invested in the team’s vision. “He’s finally‍ got a crew who have⁤ bought into what we want to do, understand their place is ⁣secure ⁤and understand each day Benji has a way of coaching‍ and playing the game,”⁣ Richardson ⁤stated.

Though, early success doesn’t⁣ guarantee long-term ⁢stability, particularly ​for a coach still establishing ⁢themselves. Veteran coach ⁣Wayne Bennett, speaking to⁣ foxsports.com.au, acknowledged Marshall’s potential. “Benji was a really smart player and a really ⁤smart guy ​to talk to about football and how it should ⁣be played,” Bennett said. “it was obvious to me he would finish up coaching. He’s very good with people.”

Bennett‍ stressed ⁢the importance of ​organizational support for young coaches. “But you need a club that’s going‍ to‌ stand behind you. I was a young coach once and‌ I’m only here becuase⁢ a couple of chairmen stuck behind me at different stages‌ of ‍my​ career when ‍I was on⁤ the edge. They give you⁣ that bit of time you need‌ to get it done. The problem is everyone wants results and ‌they think‍ the next⁣ guy ⁣can ⁣get it for you, but it doesn’t work like⁣ that.”

The NRL has ‍seen numerous players transition ⁤directly into coaching roles,⁤ and navigating​ the shift from teammate to coach can be challenging. ‌Marshall’s playing career concluded in 2021 with a bench appearance in South Sydney’s Grand Final loss to Penrith.His final season under Bennett may have ‌accelerated his coaching aspirations, and at 40 years old, he still ⁣possesses ‍the physical ability to participate ‌in ⁢drills with his⁤ players.

The question​ remains ⁤whether⁣ a coach should actively demonstrate⁤ skills alongside players, or maintain ‌a more detached, observational role.Richardson highlighted Marshall’s hands-on coaching style, comparing it to Bennett’s⁣ approach. “If⁤ you look at wayne Bennett, he’s on the​ field the whole time,”⁤ richardson explained.”Wayne Bennett and Benji don’t rely on what a lot of coaches do, which⁤ is ‍not⁢ pulling‍ up a mistake and just getting​ onto the next play. They will rely on looking at a drone afterwards.But‌ they’re⁤ hands-on then and there. They show you at the time, ‘you should have gone left that way, ‍or that pass wasn’t delayed long enough…’ They stop training to make sure they fix that mistake. that’s the way⁤ he coaches.”

Marshall has recently shifted to observing games ‍from the sideline, a⁤ change Richardson ⁤believes enhances his effectiveness. “Benji is working out his style of coaching. now he’s on⁣ the sideline (during games), which I think is great. He feels more effective down there.”

Richardson concluded, “We’re lucky to have him. People⁤ talk about loving the club, he actually loves the club – and the ‌fans too.”

Watch every game of the‍ 2025 NRL Telstra Premiership LIVE with no ad-breaks during play​ on FOX LEAGUE, available on​ Kayo Sports. New to Kayo? Join now and get your first‍ month for just $1.

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Business

6 options for dealing with debt

by Priya Shah – Business Editor
written by Priya Shah – Business Editor

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Navigating Medical Debt: A ‍Strategic Guide for Americans

Table of Contents

A staggering 12%‌ of American ⁣adults-totaling $74 billion ‍in 2024-are burdened by‍ medical debt, according to a recent‍ Gallup survey. This⁢ financial strain fuels anxiety, with 58% of ⁤Americans fearing⁤ a health issue​ could lead ⁤to insurmountable debt. Understanding your options and ⁤protections is crucial when‍ facing medical bills.

Understanding the Impact⁣ of⁣ medical ‍Debt on Your Credit

unlike many other forms of​ debt, medical debt has unique ⁣protections. Most healthcare providers do⁤ not initially report⁣ unpaid bills to credit bureaus. ‌Reporting typically occurs⁣ only after a bill is at least‌ 60 days past due. However,‌ recent changes offer increased ‍safeguards for consumers.

Protection Details Effective Date
Small Debt ⁣Exclusion Medical collections under $500 are not reported. April 2023
Grace period A 365-day grace period before reporting ⁤to ⁤credit​ bureaus. Ongoing
paid Debt Removal Paid⁣ medical debts are removed from credit⁤ reports. Ongoing

Did You Know?

The three major credit bureaus-Equifax, Experian, and TransUnion-have implemented changes to protect ⁢consumers from the negative impact of smaller medical debts.

It’s ‍vital ⁣to avoid​ charging‌ medical bills to a credit card ‍or taking out a loan to cover them.Doing so transforms the debt into standard consumer debt, stripping⁣ away ‍the ‌special protections afforded to medical bills. This includes medical credit cards and third-party⁢ payment plans.

In ⁢January 2025, the Consumer financial⁢ Protection Bureau (CFPB) ⁣ruled that medical bills would ‍be removed from credit reports.⁢ However, that ruling‌ was ​ overturned by ‌a judge in july, leaving ​borrowers with overdue medical debt facing potential credit score⁤ damage.More than a dozen states have enacted their own ⁣laws to ⁤mitigate⁤ the effects of medical debt.

Strategies for⁣ Managing Medical Bills

Ignoring ​medical bills⁢ is ⁢never the answer. Several strategies can help you navigate⁢ this⁣ challenging situation. Begin by scrutinizing your bill for errors.

Identifying and Correcting Billing Errors

Medical bills are‌ prone to errors, ⁣but identifying them ⁢can​ be tough without medical expertise. Request a detailed itemized bill and your‌ medical records from your‌ doctor or the hospital. Compare the two carefully, ‍looking for:

  • Double-billing: Charges‍ for​ the same service appearing multiple times.
  • Unlisted Services: Services⁤ billed that⁣ are not ⁤documented in your medical​ records.
  • Incorrect⁤ Dates/Lengths of⁢ Stay: Discrepancies ‍in dates or the duration of ​your hospital stay.

If⁣ you used health insurance, request an Explanation of Benefits (EOB) ​and dispute any discrepancies⁣ with your insurer.

Pro⁤ Tip:

Consider hiring a medical billing advocate to review your bill and negotiate ⁤with providers and insurance companies on your behalf.

Exploring Payment Options

  • Payment Plans: Many hospitals and⁢ providers offer installment ​plans⁢ with little‌ or no interest.
  • Negotiation: ⁤ Negotiate a lower amount, especially if you can ​pay a lump ⁣sum. Utilize​ resources like FAIRHealth’s cost estimator to understand typical costs in your area.
  • Financial⁤ Assistance: Nonprofit hospitals are required to offer financial assistance programs to eligible patients.
  • Credit Cards/Loans: Use with caution, as they eliminate the special protections afforded to medical ​debt.

If you’re disputing a bill with⁣ your⁣ insurer, inform your provider and request a hold on billing while the dispute is resolved.

Understanding What⁣ Happens When You Don’t⁤ Pay

Unpaid medical bills typically follow a predictable path: past-due notices, phone‍ calls, and eventually, collection agency involvement. Providers​ may be willing to work with ⁤you if you ⁤communicate​ proactively. Lawsuits are ⁤possible, though ‌hospitals ⁤generally avoid‍ this unless ⁢the debt is substantial. Emergency ⁣rooms cannot deny treatment due‍ to unpaid ⁤bills.

While medical bills under $500‌ sent⁤ to collections no longer impact your credit score,⁤ larger ​unpaid ⁣debts can considerably⁤ damage your credit after ‍a one-year ⁤grace period. However, paying ⁤off the debt-or having it covered by insurance-will result​ in⁢ its removal from your‍ credit report.

If you’ve exhausted all other options,consider ​credit counseling. Organizations like the National Foundation for Credit⁣ Counseling ⁤ and the Financial Counseling Association⁤ of America offer⁣ accredited services.

Medical debt is rarely forgiven automatically, but ⁤charity care ⁣programs may be available at eligible hospitals.

Medical debt remains ​a persistent issue in ‍the United States,​ driven by ⁣high healthcare costs and complex insurance systems. Trends indicate ‌a growing need for patient advocacy and financial literacy resources. The future may see increased state-level protections and‍ a renewed focus on healthcare affordability. ⁣ the impact⁢ of the ⁢CFPB ruling reversal is still⁣ unfolding, and its long-term consequences remain ⁣to be seen.

Frequently Asked Questions About Medical Debt

  • What is considered medical debt? Medical debt​ includes bills for doctor⁣ visits,​ hospital stays, surgeries, and other healthcare services.
  • How long does medical debt stay on ⁢my credit report? Unpaid medical ​debt​ can ‌remain on your ​credit⁢ report for up to seven years, but ⁣smaller debts are now excluded.
  • Can a hospital ⁣sue me for ⁢unpaid⁢ medical bills? Yes, but it’s typically reserved for substantial debts and ​hospitals often prefer to work out ‍payment plans.
  • What is financial assistance, and how do I apply? Financial assistance ​programs offer discounts ⁢or debt forgiveness to patients ⁤with limited income. Contact the ⁣hospital’s⁤ billing department for an application.
  • Is it better ⁣to
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Business

Why paying a credit card fee could be worth it — and how it might save you hundreds on travel, perks and prote

by Priya Shah – Business Editor
written by Priya Shah – Business Editor

Credit Card Costs Soaring? Canadians Re-Evaluating Premium Card Perks

toronto,ON – November 8,2023 – As household budgets tighten amidst rising interest rates and inflation (Statistics Canada reported a 6.6% increase in overall household spending in Q2 20231), a growing number of Canadians are questioning the value of their premium credit cards and their hefty annual fees. A recent survey by Ratehub.ca found that 42% of Canadians with annual fee credit cards have considered downgrading or cancelling them in the past year. This trend is prompting a re-evaluation of card benefits versus costs, and a closer look at alternatives.While the allure of travel points,concierge services,and airport lounge access can be strong,the reality is that many cardholders aren’t maximizing these perks,leaving them paying for benefits they don’t use. But is cancelling or downgrading the right move? Here’s a comprehensive guide to navigating the world of annual credit card fees.

Don’t Promptly Cancel: Explore Your Options

Before reaching for the scissors, consider these steps. Many credit card issuers, like RBC, CIBC, and TD, offer a range of cards with varying fee structures. If you’ve been a loyal customer, a simple phone call to your provider could result in a downgrade to a no-fee version of a similar card. This allows you to maintain your credit line and relationship with the issuer, wich can be beneficial for future financial products.

Keeping a card open, even if not actively used, can also serve as a valuable backup for emergencies or travel, providing a readily available source of credit.

The Cancellation consideration: Credit Score Impact

Cancelling a credit card can temporarily impact your credit score. This is primarily due to a potential increase in your credit utilization ratio – the amount of credit you’re using compared to your total available credit. A lower ratio generally signals better credit health. However, this impact is often minimal, especially if you’re concurrently opening a new card with a comparable or higher credit limit.

Moreover, diligent repayment habits – consistently paying your balance in full each month – significantly mitigate the effect of credit utilization on your overall score. Equifax and TransUnion, Canada’s major credit bureaus, weigh various factors, and responsible credit management is key.

Beyond the Fee: assessing True Value

The key to justifying an annual fee lies in evaluating the benefits.Do the rewards, travel insurance, purchase protection, and other perks genuinely outweigh the cost? For frequent travellers, a card like the American Express Platinum Card (with a $699 annual fee) can offer substantial value through airport lounge access, travel credits, and elite status benefits. Though, for someone who rarely travels, the same card might be a financial drain.Consider the potential for signup bonuses. Many cards offer meaningful rewards points or cash back upon initial spending, effectively offsetting the annual fee for the frist year or more.

Tools for Comparison: Finding the Right Fit

Determining whether your current card is the best option requires a thorough comparison. Money.ca’s https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022501

Disclaimer: This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Key additions & angles:

Breaking News Lead: Added a current event hook – the rising cost of living and its impact on credit card spending.
 Specific Data: Included statistics from Ratehub.ca and Statistics canada to bolster claims.
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