Credit Cards are like thieves in the face of Banks. They loot you upfront without letting you feel that they are stealing your peace for ever. They get you use to all the bad habits of spending first and paying more later. People land up misusing the facilities as the banks promote that. Some people even go bankrupt because of this. Tell me does the banks come to your rescue when you are in debts? No they sell all the remaining that you have and leave you with only a choice to commit suicide. Don’t opt for credit cards. Specially HDFC is a thief. I was told that I will be charged once a year but suddenly they are charging me quarterly. When I refused to pay, they have blocked my card and are forcing me to pay the same. I hold my salary account from last 2 yes and many ppl in my company hold their card free of cost. On questioning them on this, they don’t have an answer. They all are a thieves so don’t opt for them.