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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.

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.”

Sometimes we need extra money—maybe for a big purchase, a wedding, or even an emergency. In these situations, people often choose between two options: a personal loan EMI or a credit card EMI. Both let you pay in monthly instalments, but they work differently. Let’s understand how.

In the world of personal finance, one of the most important things you need to know is your credit score. Whether you’re applying for a credit card, mortgage, or personal loan, your credit score can make a huge difference in whether you're approved and what terms you get. A higher score typically means better interest rates and more favorable loan conditions. If you’re looking to boost your credit score to qualify for better personal loan rates, this blog will cover the basics of credit scores and strategies you can use to improve yours.