Author name: Marc Smith

Score below 650 and tired of rejections? 😮 A low CIBIL score does not lock you out of credit cards […]

Paying with a credit card by just scanning a QR code? 😮 RuPay credit card on UPI makes it real

Wondering if your CIBIL score is enough for a credit card? 😮 There is no single magic number — but

Using your debit card every day and hoping your CIBIL score grows? 😮 It doesn’t — debit activity is never

105 days of credit guides — and still not sure which path is YOURS? 😮 This final ranking matches every

Got an app or a call promising an instant loan or a “pre-approved” credit card? 😮 The warning signs of

Saw one score in one app and a totally different number in another? 😮 India has FOUR credit bureaus, and

Bank offering to “settle” your card debt for less than you owe? 😮 The relief is real — and so

Card balance growing every month no matter what you pay? 😮 There is a tested order of moves that gets

Thinking of pulling cash from the ATM with your credit card “just this once”? 😮 That single withdrawal is usually