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In modern India, credit cards have become essential for millions, enabling seamless transactions for daily needs and major purchases. Yet, this convenience hides a costly drawback: interest rates as high as 3.5% per month, or 42% annually. Paying only the minimum due—typically 5% of the balance—leads to a debt spiral, with interest charges consuming most payments, leaving borrowers trapped in a cycle that can last years.
A Smarter Way to Tackle…