How Often Is Credit Card Information Reported to Credit Bureaus in India? 🎯 A Missed Opportunity: The Tale of Ayan Ayan Sharma, a 28-year-old freelance graphic designer based in Kolkata, had been financially disciplined all year. He paid off his credit card dues on time, never missed an EMI, and even kept his credit utilization […]
What Are Airport Lounge Access Benefits? A Travel Upgrade Every Indian Should Know About
🛫 What Are Airport Lounge Access Benefits? A Travel Upgrade Every Indian Should Know About ✈️ Ankit’s Unexpected Discovery at Delhi Airport It was a humid July afternoon, and Ankit, a 29-year-old marketing executive from Jaipur, was at Indira Gandhi International Airport in Delhi. He had just wrapped up a client meeting and was heading […]
Why Is Paying More Than the Minimum Payment Important?
💳 Why Is Paying More Than the Minimum Payment Important? 🎯 How Shruti’s ₹1,200 decision cost her over ₹18,000 Shruti, a 27-year-old marketing executive in Bengaluru, had just gotten her first credit card. Excited by the convenience, she started using it for everything—online shopping, dining out, even booking weekend getaways. One month, her bill showed […]
What Are Foreign Transaction Fees? A Simple Guide for Indians Who Shop or Travel Abroad
What Are Foreign Transaction Fees? A Simple Guide for Indians Who Shop or Travel Abroad 💡 Real-Life Story: Tanya’s Costly App Subscription Meet Tanya, a fashion influencer from Delhi. As her Instagram presence grew, she decided to upgrade her content by subscribing to a premium video editing app priced at $9.99/month—a small cost for better-quality […]
What Should I Do If My Credit Card Is Lost or Stolen? Here’s Your Step-by-Step Guide
What Should I Do If My Credit Card Is Lost or Stolen? Here’s Your Step-by-Step Guide It was a regular Sunday afternoon for Ramesh, a 32-year-old IT professional from Bengaluru. He was catching up with friends at a café, paid for coffee using his credit card, and went about his day. But a few hours […]
How Do I Protect My Credit Card From Fraud? A Practical Guide for Indian Users
How Do I Protect My Credit Card From Fraud? A Practical Guide for Indian Users Imagine you’re having a peaceful Sunday evening, sipping chai and scrolling through your phone—until a message pops up: “₹18,500 debited from your credit card.” The twist? You didn’t spend a paisa. Sounds like a nightmare? Unfortunately, for many Indians, this […]
How Do I Cancel a Credit Card? A Step-by-Step Guide for Indian Users
How Do I Cancel a Credit Card? A Step-by-Step Guide for Indian Users So, you’ve finally reached that moment: staring at your wallet stuffed with plastic, wondering if it’s time to bid farewell to one of your credit cards. Whether it’s due to high annual fees, tempting spending habits, or simply wanting to declutter your […]
How do I dispute a credit card charge? : A Comprehensive Guide to Protecting Your Finances
How do I dispute a credit card charge? : A Comprehensive Guide to Protecting Your Finances Credit cards have become an integral part of modern financial life, offering convenience, flexibility, and the ability to make purchases without immediate payment. However, as with any financial tool, credit card usage can sometimes lead to disputes. Whether it’s […]
What is the joining fee for a credit card? Understanding the Credit Card Joining Fee in India: Everything You Need to Know
What is the joining fee for a credit card? Understanding the Credit Card Joining Fee in India: Everything You Need to Know Credit cards have become an essential tool for managing finances, whether it’s for making daily purchases, managing emergencies, or earning rewards. However, before you start swiping, there are a few terms and conditions […]
What is a credit card annual fee? A Complete Guide to Understanding, Managing, and Minimizing Costs
What is a credit card annual fee? A Complete Guide to Understanding, Managing, and Minimizing Costs Credit cards have revolutionized the way we make purchases, manage finances, and even earn rewards. However, like any financial tool, credit cards come with their own set of costs and fees. One of the most common charges you’ll encounter […]