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Credit Card Application Rejected? Here's What to Do Next in India A rejection is not the end. Here's why banks say no, what the RBI requires them to tell you, and the exact steps to improve your approval odds.
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First Card
Articles tagged first card.
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- BlogUPI vs Credit Card in India (2026): When Each Wins
UPI is free and instant. Credit cards earn rewards. The right payment rail for each transaction.
- BlogHow Banks Make Money from Credit Cards in India
Interchange, finance charge, annual fee, late fee — the four revenue streams and what they mean for you as a cardholder.
- BlogCredit Card Fraud in India (2026): The Real Numbers
How much credit-card fraud happens in India, who's most at risk, and the bank's zero-liability rule that protects you.
- BlogCredit Card Investment Strategy: How to Maximise Returns
Invest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.
- BlogCredit Card vs Personal Loan: When to Use Which
Credit cards at 42%–51% per annum; personal loans at 11%–22%. The math and the right tool for each need.
- BlogCredit Card vs Buy Now Pay Later in India (2026 Edition)
LazyPay, Simpl, ZestMoney — the BNPL option vs the credit card. The right tool for each spend.
- BlogAmazon Pay ICICI vs Flipkart Axis vs SBI Cashback: The Final Comparison
Three lifetime-free cashback cards. Which one wins for your spending pattern?
- BlogUsing Credit Card Float to Earn Interest on Your Money
The credit-card grace period is a free 18–25 day loan. Used well, it can earn interest on your own money.
- BlogCredit 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.
- BlogCredit Card vs UPI vs Cash in 2026: The Final Routing Guide
The right payment rail for every transaction. The split that maximises rewards and minimises friction.
- BlogMCC Codes Explained: How Banks Use Them to Decide What Counts
A Merchant Category Code is a 4-digit number attached to every transaction. It controls rewards, milestones, and exclusions.
- BlogBest Credit Cards for Small-Town and Tier-3 India
Tier-2 and tier-3 city residents face different credit-card realities. The right picks for non-metro India.
- BlogYour 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.
- BlogIndian Credit Card Lingo: 30 Terms Explained in Plain English
MCC, ECI, MITC, BT, EMI — the alphabet soup of credit-card language, decoded.
- BlogRegional Bank Credit Cards in India: AU, Federal, RBL, Yes Bank
Beyond HDFC, ICICI, Axis, and SBI — the regional players that offer competitive cards for tier-2/3 city residents.
- BlogUPI vs Credit Card in 2026: Where Each Wins
UPI is the dominant payment rail for small spend. Credit card is the right tool for big spend. Here's how to split.
- Blog10 Common Credit Card Mistakes That Cost Indians Real Money
Paying only the minimum, missing payments, closing old cards — the mistakes that add up to thousands in lost rewards and fees.
- BlogCredit 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.
- Blog10 Credit Card Rules You Must Know to Stay Out of Trouble
Pay the full balance, never share your PIN, hotlist immediately on loss, and 7 more rules every cardholder should follow.
- BlogSecured 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.
- BlogGrace Period vs Revolving Credit: The Difference That Costs You 42% a Year
If you've ever carried a balance 'just for a few days', you've paid more than you think. The math, in plain terms.
- BlogEvery Credit Card Fee Explained in Plain English
Annual fee, late fee, finance charge, cash advance fee, EMI fee — what each one is, when it applies, and what it costs.
- BlogCredit Card vs Debit Card: The Real Difference
Both cards have a 16-digit number, a CVV, and a logo. The differences are in who pays, what it costs, and what you get back.
- BlogWhat 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.
- BlogYour Credit Card Billing Cycle, Explained in Plain English
The billing cycle is the engine of every reward, fee, and interest decision on your card. Here's exactly how it works in India.
- BlogYour 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.
- BlogWhat Is a Credit Card? The Absolute Beginner's Guide
If you've never had a credit card, start here. The basics in plain English, with no jargon.