UPI Credit Cards: Should You Use Them to Pay? The Ultimate Guide to Rewards and Risks
The introduction of UPI Credit Cards marks a revolution in how Indians
How to Detect and Avoid Loan Settlement Frauds
Loan settlement is a process where a lender agrees to accept a
How BNPL Culture Is Quietly Reshaping India’s Youth Finances
BNPL’s easy credit tempts India’s youth, reshaping spending habits but risking debt traps and weaker financial discipline.
The EMI Illusion: Why “Affordable” Purchases Cost You More Than You Think
EMIs seem affordable, but hidden interest, fees, and other costs can make your “cheap” purchase much more expensive.
Why Paying Only the Minimum on Credit Cards Is Like Drinking Poison Slowly
Paying just the minimum keeps you ‘safe’ today, but as interest compounds, your balance balloons, your credit score suffers, and the long-term cost is crippling.
Write-Offs vs Defaults: Why One Is Worse Than the Other
When a loan is written off, it’s an accounting move for the bank, but you’re still legally liable. A default may harm your credit, but a write-off leaves a scar that lasts for years.
Signed Together, Chased Alone: The Joint Loan Trap Banks Won’t Warn You About
Joint loans may seem safe, but under “joint & several liability”, any co-borrower can be held for the full loan if one defaults. Even if you pay your part, your credit and assets are at risk.
Loan Defaulters & Travel Abroad: Can You Really Be Stopped at the Airport?
Though banks may request Look-Out Circulars (LOCs) for defaulters, courts have repeatedly held that restricting someone’s right to travel solely for a loan default violates fundamental rights.
What Really Happens After Loan Default? A Practical Guide to RBI Rules, Bank Actions & Your Rights
Missing a few EMIs is stressful, but when defaults stretch beyond 90
The Real Cost of Loan Settlement: How a ₹1 Lakh Waiver Can Lose You ₹10 Lakhs Later
When you’re drowning in debt, a loan settlement offer from your
Will a ₹500 Missed EMI Ruin Your Credit Score Forever?
When it comes to credit scores, every Indian borrower has one big
Balance Transfer Trap: When Shifting Loans Can Backfire
In India, balance transfer offers sound like a dream deal. Your bank