I have taken HDFC credit card since I was salary account holder of HDFC bank. When I started my journey in IT industry I felt credit card was a status symbol, later I came to know how painful it is when you are not able to clear the debth intime.
I have taken jewellwry for my mom worth 40k through HDFC credit card, later some days I was unable to clear the debth, but I got a message from HDFC saying you need to pay a minimum amount of 2k+. so I was happy in paying monthly 2k+, after 10 months of continuous pay I checked my balance still I need to pay 40K, then I was decide to clear the whole 40k debth and cancel my credit card services. from then I was veru happy. I am suggesting people dont use credit card simply without knowing the consequences,