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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.

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.

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.

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.

Travel is one of life’s greatest pleasures, but it can come with a hefty price tag. This is where travel credit cards come in handy, offering a variety of rewards, benefits, and perks that can make your travel experiences more enjoyable and affordable. Whether you’re earning air miles, getting exclusive airport lounge access, or enjoying travel insurance, the right travel credit card can make all the difference.

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.

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.

If you have a credit card but don’t use it for a long time, the bank might treat it as "inactive." Banks want customers to use the credit cards they issue. If the card is not used for several months, they may lower your credit limit or even cancel the card.

Although banks in India usually don’t charge any inactivity fees, they still have the right to close your card if you don’t use it for a long time.

Whether you're a frequent flyer or an occasional traveler, having a credit card that provides airport lounge access can make your journey more comfortable. Here's a complete list of the best cards for domestic and international airport lounge access in 2025, along with their key features and fees.

Payments are changing fast, and one big shift is the introduction of UPI (Unified Payments Interface) on credit cards. UPI, which was first linked to bank accounts and debit cards, can now be used with credit cards. This means you can pay directly from your credit card using your smartphone. This guide will explain how to activate and use UPI on your credit card.

SBI Card has partnered with Tata Digital to launch the Tata Neu SBI Card, a co-branded credit card that offers extra value on every spend. It’s especially rewarding when used across Tata brands like BigBasket, Croma, Westside, Tata CLiQ, and more.

The card comes in two variants — Tata Neu Plus and Tata Neu Infinity — each offering exciting benefits like high NeuCoin rewards, cashback on bill payments, digital payment perks, and even airport lounge access for premium users.