India is in a credit card debt #oolka #creditworthy #creditscore

Credit-card bills time par pay kar rahe ho, phir bhi karz badh raha hai aur score gir raha hai? Problem vaakay “late fee” nahi—minimum due trap hai. Jab aap sirf minimum due bharte ho, baaki amount par ~35–40% APR lagta rehta hai. Result: interest snowball, penalties, aur rejected loans.

What’s going on

Minimum due ≠ full payment: interest compounding chalta rehta hai

High APR (35–40%) aapke balance ko jaldi double karta hai

Score par negative impact: high utilization + revolving balance

Fix this today

Always pay the full statement amount (due date se pehle).

Paisa tight? Balance Transfer (BT) karo to a lower-rate card.

BT option nahi? Low-interest personal loan leke outstanding pura close karo.

Utilization 30% se niche rakho (ideal 10–20%).

Autopay for full amount + mid-cycle top-ups if spends spike.

Chaho to step-by-step plan ke liye Oolka try karo—tools aur tips ke saath apna credit hygiene sudharo aur score ko protect karo.

Credit Score Kitna hona Chahiye
Download Oolka and LevelUp your Credit Score:
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Видео India is in a credit card debt #oolka #creditworthy #creditscore канала Oolka - AI Credit Score LevelUp