In this scenrio , credit card plays a most important role in the life of professional peoples alot . But most of the credit card bank are trying to steal the money by applying some interest and extra charges as same thing happened to me , I had a icici credit card and I missed my first payment then bank showed their face , they applied lot of charges which was approximately 6000 as being a normal person I was unable to digest this type of charges then I contacted their guys they told me you have to pay by hook and by crook .They showed their scared face .Do not go for it . if you are working well with your salary so please do not apply for credit card ever.