Financial Literacy
8 posts tagged “Financial Literacy”.
Credit Utilization: Per-Card Ratio vs Total Ratio, and Why Both Matter
1 July 2026
Why your CIBIL score looks at both your overall credit utilization and your utilization on each individual card, and how to manage both across multiple cards.
Credit Card vs Scheduled Bank Transfer for Paying Bills
3 June 2026
Whether recurring bills are better paid by credit card auto-debit or a scheduled bank transfer, weighing rewards against float, fees, and failure risk.
Credit Card Add-On Card Liability Explained
16 May 2026
Who is actually legally responsible for spending on an add-on or supplementary credit card in India, and what happens if the primary cardholder can't pay.
Credit Card Nomination Facility Explained
9 January 2026
What happens to a credit card's outstanding dues, unused reward points, and add-on cards after the cardholder's death, and how nomination works in India.
How to Actually Value Your Credit Card Reward Points
6 January 2026
A practical method for calculating what your credit card reward points are really worth in rupees, so you can compare cards honestly instead of by headline rate.
Credit Card Surcharges on Fuel, Rent, and Tax Payments Explained
28 December 2025
Why fuel, rent, and tax payments carry extra surcharges on credit cards, how much they typically cost, and when paying them still makes sense.
Credit Card Dispute Timeline: What RBI Rules Actually Require
3 December 2025
How long banks have to resolve a credit card transaction dispute under RBI rules, and what to do if your issuer misses the deadline.
Credit Score Factors Beyond Credit Cards in India
21 November 2025
What actually moves your CIBIL score outside of credit card behavior — loans, EMIs, guarantorships, and credit mix — explained for the Indian context.