Priya Sharma

Posts by this author (10)

• blog · 19 Jun 2026

  Credit Card vs Debit Card vs UPI: The Right Tool for the Right Spend

  Each payment method has a role. Using the right one for the right spend saves money and builds credit.

• blog · 17 Jun 2026

  Fraudulent Accounts on Your CIBIL Report? Here's What to Do

  Identity theft via credit-card fraud is rare but real. The recovery process is well-defined — if you act fast.

• blog · 15 Jun 2026

  Your First Credit Card After Your First Job: A Playbook

  You have a salary account, a steady income, and zero credit history. Here's what to do in the first 12 months.

• blog · 13 Jun 2026

  Why Your Credit Utilisation Ratio Is the Second-Biggest Score Factor

  30% of your CIBIL score depends on how much of your credit limit you use. Here's the optimal strategy.

• blog · 11 Jun 2026

  How to Dispute an Error on Your CIBIL Report

  Wrong balance, closed account shown as open, missed payment you didn't miss. Here's how to fix it.

• blog · 9 Jun 2026

  Credit Cards for Students in India: What's Actually Available

  Most banks require a salaried income for credit cards. Here's what students can do instead.

• blog · 7 Jun 2026

  Secured vs Unsecured Credit Cards in India — Which One to Start With?

  Secured cards require a fixed deposit; unsecured cards don't. Here's when each makes sense.

• blog · 5 Jun 2026

  10 CIBIL Score Myths That Are Costing You Money

  Income, UPI, debit cards — none of these affect your score. Here's what's myth and what's fact.

• blog · 3 Jun 2026

  What a CIBIL Score Actually Is — and What It Isn't

  Your CIBIL score is a number, not a verdict. Here's how it's calculated, what moves it, and what doesn't.

• blog · 1 Jun 2026

  Your First Credit Card in India: A Step-by-Step Guide

  How to qualify, what to apply for, and the four mistakes to avoid on day one.