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How to reduce debt if you have overspent on your credit card this Diwali?
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If used judiciously, credit cards provide an excellent opportunity to buy goods and services now and pay for those at a later date. Moreover, a user needn’t pay any interest, if the dues are paid on time.
With many banks giving discounts and cashbacks on their credit card payments, more and more consumers are opting to pay through their cards for purchases made during this festival season.
However, while using a card, the user should keep in mind his/her capacity to pay the entire bill on or before the due date to avoid paying any interest and/or penalty for late payments. A credit cardholder should be extra careful, because the interest rates and penalties on outstanding balances and defaults are very high.
In case a cardholder has already
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