Top 5 Credit Card Mistakes to Avoid in India (2025)

Credit card use karte waqt kuch common mistakes hoti hain jo aapke paise aur credit score dono ko nuksan pahucha sakti hain. Agar aap smart ban kar ye galtiyan avoid karenge, toh aapka financial health better rahega.

1. Time Par Bill Payment Na Karna

Sabse badi galti hai apne credit card ka bill time par na dena. Late payment fees ke alawa aapka CIBIL score bhi girta hai.

2. Credit Limit Se Zyada Spend Karna

Apne credit limit se zyada spend karna interest charges aur overlimit fees ka reason banta hai.

3. Sirf Minimum Amount Pay Karna

Minimum payment se aap interest charges me phas jate hain. Hamesha poora balance pay karne ki koshish karein.

4. Multiple Credit Cards Ko Manage Na Kar Pana

Agar aapke paas zyada cards hain aur unhe sahi tarah manage nahi karte, toh due dates miss ho sakti hain.

5. Reward Points Ko Use Na Karna

Aksar log apne earned reward points expire hone dete hain. Inhe timely redeem karna chahiye.

Conclusion

In mistakes ko avoid karke aap apne credit card ka maximum benefit utha sakte hain aur apna financial future secure kar sakte hain.