Posts by Amarjeet Samantray

A good credit score helps you borrow money at low interest rates, get better credit cards, and even rent an apartment more easily. In India, credit scores range from 300…

Choosing the right credit card can be confusing. Banks and fintech apps offer dozens of cards, each with its own fees, interest rates, rewards, and perks. To make a smart…

Carrying a balance on your credit card can be costly because of high interest rates. To manage your finances well, it helps to know exactly how your card issuer calculates…

1. Introduction Credit cards let you buy things now and pay for them later. They are like short-term loans from your bank or card issuer. Millions of people in India…

1. Understanding Credit Card Debt 1.1 What Is Credit Card Debt? When you use a credit card, the bank pays the merchant on your behalf. You then owe that money…

1. Introduction Getting your first credit card is a big step toward managing your money, building credit, and enjoying handy perks like rewards and ease of payment. But it can…

1. Introduction Getting your first credit card is an important step toward financial independence. A credit card can help you pay for things now and settle the bill later, build…

If you travel often—especially overseas—a regular credit card may not cut it. Elite travel cards come with high annual fees, but they offer perks that can save you far more…

Introduction Credit cards are no longer just a luxury item. Today, they are almost a necessity for many people in India. With a good credit card, you can: Delay payments…