Author name: Nikhil Bansal

Your credit card statement arrives every month — and most people glance at the total payable number, transfer the money, and move on. That one habit costs more than it should. A credit card statement contains far more than a single amount. It shows your billing cycle, payment due date, transactions, fees, interest charges, reward […]

Your credit card statement says you earned 3,200 reward points last month. That sounds like a good deal — until you do the actual math. If each point is worth ₹0.25, that is ₹800 gross. Subtract a ₹99 redemption fee, add 18% GST on that fee, factor in your card’s ₹999 annual fee spread across

If you use a credit card for everyday shopping, travel or EMIs, you have probably wondered: am I damaging my CIBIL score every time I swipe? Understanding how credit cards affect CIBIL score is less complicated than most people think — it depends almost entirely on how you use the card, not on the card

You paid the minimum amount due before the due date. Your account shows no overdue amount. And yet, the next credit card statement arrives with a line called “finance charges” — sometimes ₹300, sometimes ₹900, sometimes more. This is what the credit card interest rate actually looks like in practice, and it catches most first-time

Your credit card statement shows two numbers: ₹50,000 as the total amount due and ₹2,500 as the minimum amount due in credit card. The smaller figure looks manageable — pay ₹2,500 this month and handle the rest later. That decision, made once out of convenience and repeated out of habit, quietly sets off a cycle

Getting rejected for a credit card because of a low CIBIL score or no credit history is more common than most people realise. If you are a salaried employee who has never taken a loan or used a credit card before, your CIBIL profile may be too thin for banks to approve a regular card

Most salaried employees in India pick a credit card based on the headline number — “5X reward points” or “5% cashback” — and assume the bigger figure automatically wins. The real picture is messier. The reward points vs cashback credit cards decision is a question about net annual value: what actually lands in your pocket

Credit Cards You want a credit card that never charges an annual fee. That is a reasonable place to start — but lifetime free credit cards India is a phrase that carries a very specific meaning in banking, and it is narrower than most first-time applicants expect. Zero joining fee and zero annual fee sound

Your salary is three days late. Rent is due tonight. Your debit card balance will not cover it — but your credit card has a decent unused limit sitting right there. You head to the ATM, insert your credit card, and withdraw ₹10,000. What you may not realise until your next statement arrives: a credit

You check your phone at 2 a.m. and see an SMS: ₹38,500 debited from your credit card at GLOBALSTORE-NYC. You were asleep. You never made this transaction. Credit card fraud in India is more common than most people expect — and the first few minutes after you spot it matter more than anything that follows.