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Finding a wrong amount on your credit card bill can be scary. You might see charges you don’t remember, higher amounts than you expected, or missing payments. These mistakes can be confusing and might even hurt your credit score if you don’t fix them quickly.

Choosing the right credit card in India can be a bit tricky because there are so many options. Some cards give you cashback, some offer free gifts, and some give you reward points. But the best card is not the one with the most offers. It’s the one that matches how you spend your money. For example, if you shop online or travel a lot, you should pick a card that gives benefits for those things.

Credit cards have become an essential part of modern financial life. They offer convenience, rewards, and added value when used wisely. But sometimes, your current card may no longer meet your needs. If you’re wondering whether it’s time to upgrade or get a new credit card, here are five clear signs that suggest you should.

Your credit report is like a detailed report card for your money history. It shows how you have handled borrowing and paying back money over time. This report is very important because banks, employers, landlords, and others use it to decide if they can trust you with loans, jobs, or renting a home. Since your credit report has very personal and sensitive information, it’s normal to wonder if someone can look at it without your permission.

Many people in India use credit cards for shopping, paying bills, and handling their monthly expenses. People often wonder if they should pay their credit card bill before the due date or wait until the last day. Some believe paying early is better, while others think it doesn’t make a difference as long as you pay on time.

It was a regular Tuesday evening. Riya had just wrapped up work and sat down with her cup of tea, ready to tackle her monthly bills. Like always, she opened her banking app, glanced at the list of pending payments, and started ticking them off one by one. Electricity bill? Paid. Internet bill? Paid. Credit card bill? She paused for a second, the due amount was ₹7,540. She typed in the number, but in a hurry to wrap things up, she accidentally typed ₹75,400 and hit Pay Now.

Credit cards have become very popular in India because they make shopping and paying bills easier. But with this convenience, it is important to keep your credit card information safe from fraud and theft. Countless individuals have encountered issues such as unapproved charges, making it crucial to understand how to safeguard your card information.

In this blog, we will share simple and effective tips that anyone can use to keep their credit card information secure.

When you shop online or pay over the phone using your credit card, you might be asked to enter a three-digit number called the CVV. But what exactly is this CVV, and why do you need to use it? In this blog, I’ll explain what CVV means, how it works, and why it’s important to keep your credit card safe.

Paying your credit card bill on time is a big part of keeping your finances healthy. It helps you avoid late fees, keeps your credit score strong, and lowers stress. But what if your current due date just doesn’t work for you? Maybe it falls before payday or overlaps with other bills. The good news is — most credit card companies let you choose or change your payment due date. This small change can give you more control over your money.

Let’s explore why you might want to change your due date, how to do it, and what benefits it can bring.

Credit cards are useful for handling your expenses, improving your credit score, and getting rewards like cashback or points. They can make payments easier and help you track your spending. But in India, credit card companies don’t always share all the important details clearly. Knowing these hidden facts can help you make better use of your card and avoid common mistakes.

Getting a new credit card is exciting. You might be looking forward to using it for shopping or earning rewards. But before you start spending, it's a good idea to take a few simple steps. First, read the papers or emails that came with your card. These will tell you about any fees, how interest works, and how to earn and use rewards. Knowing this will help you avoid paying extra money by mistake.

Credit cards are one of the most flexible financial tools available today. While most people use them for regular shopping, travel bookings, or emergency spending, few are aware that they also come with another powerful feature loans against your credit card.

Yes, you can actually get a loan directly through your credit card, with minimal paperwork, fast approval, and no collateral. In this post, we’ll break down everything in detail — how it works, who can apply, charges involved, which banks offer it, and tips to use it wisely.

Paying rent is a regular monthly task for most people. Normally, tenants pay rent through bank transfers, UPI, or cheques. But did you know you can also pay rent using your credit card? Yes, it’s now possible to pay rent through your credit card using various apps and websites. This method is getting popular in India because of the convenience, rewards, and flexibility it offers. But, just like anything else, it also has some downsides.

In this blog, let’s look at the pros and cons of paying rent with a credit card and how you can do it step-by-step.

Rahul had big dreams. After getting his first job in Mumbai, he wanted to buy a laptop, furnish his small, rented flat, and maybe even get a bike on EMI. But there was one problem—he didn’t have enough savings. Like many young professionals, Rahul thought of applying for a credit card and maybe even a small personal loan.

So, one afternoon, he walked into a nearby bank, filled out the forms, and waited eagerly. A few days later, he got a message: “Loan Application Rejected.”

Many people just glance at their credit card statement, see the total amount they owe, and then forget about it. But your statement actually tells you a lot about how you spend and use your card. If you spend a few extra minutes looking at it carefully, you can find mistakes, avoid extra fees, and even help improve your credit score.

Here’s an easy, step-by-step guide to the 10 important things you should always check on your credit card statement:

We all know that credit cards come with a credit limit—a maximum amount you’re allowed to spend. But sometimes, life happens. You might be out shopping, booking flight tickets, or paying a hospital bill when suddenly you realise you’ve already used up your limit. So, what now?

This is where the Overlimit Facility comes into play.

Let’s break it down in the simplest way possible, especially for Indian credit card users.

When people think about credit cards, the first thing that usually comes to mind is spending. But what if you could actually use your credit card to help you save money instead? While credit cards are not savings accounts, they can still play a smart role in your financial plan—if you use them carefully. In this blog, we’ll show you how to create a savings plan using your credit card, in a way that’s simple, safe, and practical.

If you've ever applied for a credit card and got rejected because of no credit history or regular income, there's a simple solution you might not know about: a credit card against a fixed deposit. It’s an easy and safe way to get a credit card even if you're just starting out with your finances.

Let’s walk through how this works and why it can be a smart move.

Suppose Rakesh from Delhi booked a family trip to Manali using his credit card. Everything was ready—flights, hotel bookings, and even the itinerary. But just two days before the trip, his daughter fell sick. He had to cancel the trip, and he was worried about losing all the money he had spent.

Surprisingly, Rakesh got most of his money back. His credit card had travel insurance, and it helped cover the cancellation costs. He didn’t even know this benefit existed!

Credit cards can make life more convenient by offering rewards and helping you improve your credit score. However, if you're not careful, they can also lead to financial problems. Many people make simple mistakes when using their credit cards, which can result in high interest charges, unexpected fees, or even fraud. Here are six common mistakes that people make with credit cards, and tips on how to avoid them.