Add-On Credit Card Explained: Start Early, Save Your CIBIL #oolka #creditworthy #creditcard

Add-on credit card se family ki credit journey shuru karna easy hai—but only if you use it right.

What’s an add-on card?

Primary cardholder ke account par extra card (kids/parents ke liye)

Liability & bill primary ke naam par; spending control aapke haath mein

Right usage (low utilization + full payment) = credit hygiene safe

Note: India mein add-on se primary ka history build hota hai; add-on holder ke file par impact issuer/bureau ke hisaab se vary kar sakta hai. Separate history chahiye to secured/student card consider karein.

Do’s

CUR less than 30% rakho (ideal 10–20%)

Full statement due date se pehle pay karo

Spend limits/alerts set karo; sirf trusted family ko add-on do

Don’ts

Max-out ya missed payment—dono ka score hurt

Multiple add-ons bina controls

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Видео Add-On Credit Card Explained: Start Early, Save Your CIBIL #oolka #creditworthy #creditcard канала Oolka - AI Credit Score LevelUp