From my view credit cards are not useful unless you travel for work, where u will not have money at the first point to do your expenditure and then collect it from your company. It is always better to spend within your pocket. IE it is better to use a Debit card when compared to Credit Cards.
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It better to live on debit side rather than on cerdit side.
All private sector banks offer excellent customer care service when compared with nationalizied banks.
But it is also known that when it comes to the matter of non repayment they settle score Using very very Special Ways and means