Wealth Tips

How To Use A Credit Card Wisely

Here are the top tips to help you use credit cards more wisely in India.
November 8, 2024
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A credit card is something that can bring great joy if you use it wisely. A solid credit card gives you the freedom to spend money when you need it, even if you don’t have it. However, credit cards can also lead you into massive amounts of debt if you’re not careful.  You can consult a Cube Wealth Coach or download the Cube Wealth App.

Many people forget that credit is not free money. Your credit card expenses quickly turn into payments and high-interest rates can really mow you down. So, does that mean you shouldn’t use a credit card?

Well, if you’re someone who can be a little disciplined and show restraint when required; a credit card can be extremely useful.

So here are top tips to help you use credit cards more wisely:

1. Know Your Annual Fees

The first thing to ask a bank before taking a credit card is what the annual fee is. While there are many credit cards that have low to no fee, other premium cards can have a hefty annual fee.

One that you may not be able to afford in the long run. So, be careful about the card you get, behind all the gold, platinum and black cards is a fee you ought to know about.

2. Check Your

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