For me, the benefits are all the add ons, mainly the reward points that can get me crazy conversions on vouchers or flight tickets or hotel bookings. And to ensure I don't overspend, I use my credit card as a debit card - never reaching my credit limit, never crossing X% of my monthly income/planned spend etc.

Growth Marketer

Assuming similar price across cash/credit, From a business point of view, the cost of credit is blended across all customers. So in a way, cash customers pay for credit customers.

Founder

I treat my credit cards just like debit cards. Whenever I buy something, I transfer the same amount back to my credit card account immediately or within a day. 

This way, I'm building my credit history and taking advantage of the card's benefits while being mindful of what I am spending on.

Software Engineer

You don't need a credit card. I manage well enough without one, even with international travel. All it takes is some advance planning.

Growth Manager

Can I live a credit card free life? Although I consider myself a credit card smart user, I did an experiment where I can't spend via credit card for a week. I ended up spending much less.  My credi...

Welcome to Personal Finance's Private Community

Can I live a credit card free life? Although I consider myself a credit card smart user, I did an experiment where I can't spend via credit card for a week. I ended up spending much less.

My credit score is 780. What are the problems of stopping the usage of all my credit cards today? Is there a difference in the loan interest I would get? Would that difference be significant?

Why is a credit card needed?

Why is a credit card needed?- Grapevine

Hello folks, 
Due to some financial crunch, I'm planning to get a credit card but I've heard from people about the scary stories of credit cards. Can any body who owns credit card can give his experience or any tips what card or how to use the card or any other general advice. 

I just want to use cc for online purchases and maybe in emergency situations. 

Thank you in advance.

Mindful credit card usage

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs.

i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. 

idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first

please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? 

what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

[rant] 24 year old anxious about his financial future

Marketing Associate

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

How to increase my credit score ,  it had fallen due to Over utilisation of Card ♦️♠️

Credit Score

In this month alone i got 3 new credit cards. 
Yes bank approached me saying there’s a pre-approved credit card, which will be the fourth one.

This will be the fourth enquiry on my CIBIL this month, but none of them got rejected. Current score is 770+ and  age of credit is almost 3y

My understanding is having more credit limit will help keep Credit Card Usage index below 20-30%. 
Is this correct?

Does having too many credit cards affect CIBIL score?

How many credit cards are too many?

Consultant

How to get AXIS Magnus ?

Suggest good credit cards which you are personally using. Both which are free & have annual charges.

Do mention which use case it is best for:
-online spends
-offline spends
-foreign transaction
-fuel spends

Credit Card

Senior Associate

How does cancelling a credit card impact my credit score?

Welcome to Software Engineers's Private Community

I'm exploring credit card options that provide zero forex rates and possibly offer free international lounge access. I'm not a heavy spender, typically averaging between 1-2 lakhs per month on my existing credit card. Any suggestions or recommendations would be greatly appreciated!

Already have Scapia for Domestic Lounge Accesses.

Exploring Credit Card Options: Zero Forex Rates and Lounge Access Benefits

I am earning and expenses or same 50k but I have 10lac credits could you pls help and suggest to get it out and i didn't get loans due to credit score issues

Why is a credit card needed?

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