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Handicrafts

Handicrafts are devices or works of art that are made completely by hand or by the use of relatively simple tools. Such goods are usually made in the traditional way of manufacturing goods. Therefore, the knowledge of the art of craft is usually passed down from one generation to another. The items made using these traditional methods of manufacturing are usually produced in smaller quantities and they often represent the culture or religious beliefs of the community that makes them. The goods are also handmade from natural materials that are found in the environment of the particular economy.

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Paintings

A painting is equal to thousand words, means a beautiful painting is equal to million of words. Paintings are one of the oldest art forms -- throughout history artists have played an important role in documenting social movements, spiritual beliefs and general life and culture.

History Of Paintings: The history of painting reaches back in time to artifacts from...

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Silver Beads

In the world of Beads, Silver Beads have its own stand. From the day of discovery of silver and man’s knowledge of working with metal, man has been using silver as raw material for jewellery. Its magnificent metallic lustre and high ductility as well as malleability make it appropriate for making jewellery. Also it is stable in air and water so it do not get degrade easily. Another argue of using it as raw material in jewellery...

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Silver Jewelry

Silver jewelry is widely seen as the most widely used jewelry available on the market. They are offer in various styles as well as colors. Since it has been produce into exclusive designs, a number of fashion enthusiasts really enjoy it. In many cases, someone needs silver jewelry to beautify their gorgeous dresses. Even though there are many different kinds of silver decorations on the market, you have to be thoroughly careful when preferring one on your…

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Are You Lowering Your Credit Score Without Even Knowing It?

Posted by Art Of Legend India [dot] Com On 10:33 PM

Warning! Close Your Credit Card AccountsSummary: In this day and age, having a good credit score is very important. When you have a good credit score, you have a much better chance of getting a loan for a hous.

In this day and age, having a good credit score is very important. When you have a good credit score, you have a much better chance of getting a loan for a house or car, renting an apartment and getting approved for credit cards. If your credit score is low, you might even have trouble getting a cell phone plan or cable package without paying a high deposit. Here are six things that can lower your credit score. 

Closing a Credit Card

Even if you rarely use it, you should never close a credit card. When you do, you will lose the amount of available credit on that credit card. Throwing off your credit utilization rate can really lower your credit score. If you recently paid off a credit card and are afraid of getting into debt again, just leave the card at home so that you only use it for emergencies.

Not Using Your Credit Cards

If you have not used your credit cards in a very long time, the lenders can close the credit cards because of inactivity. That is why you should try to use each of your credit cards at least once a month to keep them active. For example, you can use your credit card to pay for gas occasionally.

Renting a Car

It is surprising but true renting a car can actually hurt your credit score. Several rental car companies will do a hard inquiry on your credit before they allow you to rent a car. Before you decide to rent a car, ask the company if they will pull your credit. If they say yes, go to a different rental company that will not pull your credit.

Making Only One Late Payment

Do not underestimate the seriousness of just one late payment.  Making just one late payment on your credit card can lower your credit score more than you think. That is why you should know exactly when your credit card payments are due and pay them on time every month. If you can’t avoid a late payment, do not be afraid to talk to your lender and explain your situation. If you have been a good customer, the lender might be willing to take the late payment off your credit report.

Requesting a Credit Limit Increase

Requesting a credit limit increase on your credit card might not sound like a big deal, but it actually can hurt your credit score. Before you ask your lender for an increase, find out if it will start a hard or soft inquiry on your credit report.

Forgetting Medical Co-Pays

Credit Score
It might seem trivial, but forgetting to pay a medical co-pay of even $15 or $20 can lower your credit score. That is why you should pay the co-pay for the medical bill as soon as it comes in the mail.

As you can see, even the most minor things can negatively affect your credit score if you are not careful. Make sure to keep up to date on the actions that can negatively affect your credit score. 

Visit Also:

Portrait of Catherine II the Great. 1793 – Johann Baptist Lampi 

 Children Playing on the Beach – Great artist Mary Cassatt 

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Company Overview

Art of Legend India has the distinction of being one of the best in the Indian Handicraft Industry. We are about 75 years old handicrafts manufacturer & exporter. We are having team of more than 500 craftsman.

We are having our business offices in India, USA & Germany to ensure our best services.