Credit cards have now become a common mode of transaction for many, and are becoming increasingly dependent on more than one credit card. 
This spur in card usage is predominantly due to the sheer convenience they provide. As per the Central Bank of Sri Lanka, at the end of second quarter 2016, Sri Lanka had 1,206,667 credit cards in use amounting to a total value of credit card transactions of Rs. 45.1 billion showing a growth momentum.  These results indicate that Sri Lankans are becoming exceedingly depended on credit purchases.
There are many ways of getting the most from your credit card rather than having to face unwanted financial pressure. Credit cards are of absolute convenience and offer great benefits if used responsibly. 
Hence developing good financial habits and understanding the purpose of your credit card is imperative. It is advisable to stick to a planned budget which would stop you from overspending.  Paying your credit card balance in full on time will also work wonders as it avoids additional charges piling up. 
December deliberately becomes the month of expressing joy and spending time with family and friends but often resulting in severely stretched finances with credit card bills hitting record highs. The natural inclination to ‘Buy now, pay later’ is quite standard during the festive seasons, up until it becomes reckless 
and financially-pressured due to post spends.  
NDB has therefore introduced a balance transfer option and is ready to support you overcome your credit card balances through very attractive interest rates. 
NDB has given the option of choosing your own repayment period in equal installments from 3, 6 or even 12 months. The one time upfront fees start from as lowest as 2.50 percent, 4.60 percent and 8.90 percent respectively. The up-front fee would be charged on day 01 on the amount transferred and no other charges/ interest would be levied.
This opportunity will be available for grabs during January/February and May/June where consumers are most likely to be overwhelmed by credit cards bills due to seasonal spends.
Applications for NDB ‘Good Life’ credit cards could be made at any one of the NDB branches island wide. Further assistance and details on NDB ‘Good Life’ credit cards can be obtained from the Bank’s 24-hour Call Centre on 011 244 8888, visiting the bank’s corporate website via www.ndbbank.com  or referring to the dedicated digital page via www.ndbgoodlife.com