3 credit cards rules you must know.

Описание: Credit cards are not evil.

But using them without understanding their rules is how most people fall into debt traps.

If you're new to credit cards, here are 3 golden rules you must follow from Day 1

1️⃣ Always pay the full bill - not the minimum due.
Paying just the "minimum amount due" is a trap. You'll still be charged 30-40% annual interest on the remaining balance that's how people end up paying double for what they bought.

2️⃣ Never use more than 30% of your credit limit. Credit utilization directly impacts your CIBIL score. If your limit is ₹1,00,000, stay under ₹30,000. High usage = Low score = Future loan rejections.

3️⃣ Use credit cards for convenience, not credit. If you can't pay for it in cash today, you can't afford it. Swipe only for what you can repay in full before the due date.

That's how you build credit and self-discipline.

Bonus Tip:

Set auto-pay for your card bills.

Missing even one payment can hurt your credit score for years.

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