Credit card is certainly a fancy thing to keep with you. It lets you buy whatever you want and whenever you want. Importantly, you do not need to have cash with you. Plus, you can repay the swiped money in monthly installments (EMI) at affordable interest rates. Not to forget, most of the credit cards are also FREE to use, meaning there’s no annual fees. Another aspect is that you earn points for your spending and you can redeem them for cash or vouchers. So, no wonder, a credit card is most sought after globally. But, the big question is,… read more Want to apply for a credit card? Think again!