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In this episode of KwK, Tejas Ghongadi dives deep into the world of credit cards, revealing how to use them wisely while avoiding common pitfalls. From maximising rewards and cash back to understanding hidden charges and interest rates, he shares expert insights that can help you make smarter financial decisions.

Tejas explains how banks determine credit limits, the impact of credit cards on your credit score, and the benefits of maintaining a strong financial profile. He also discusses co-branded cards, no-cost EMIs, and the rising trend of Buy Now, Pay Later (BNPL), along with the controversies surrounding reward points and potential scams to watch out for.

Whether you're new to credit cards or looking to optimize your spending, this episode is packed with actionable tips to help you make the most of your financial tools.

Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

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Timestamps

00:00:00 Introduction

00:03:13 Which credit cards does Tejas have?

00:05:10 Why should you use credit cards?

00:08:22 Drawbacks of credit cards

00:12:50 What is “Minimum Amount Due”?

00:14:47 How do banks determine credit limits?

00:16:26 Hidden charges while using credit cards

00:24:16 Impact of Credit cards on Credit score

00:27:08 Benefits of good credit score

00:30:40 Average monthly spend on credit cards of Tejas

00:32:21 How do you choose the right credit card?

00:35:53 Rewards by using credit card

00:54:54 What are Co-Branded cards?

00:58:47 Best credit cards based on different criteria

01:02:11 Controversy surrounding Axis credit card points

01:11:57 No Cost EMIs on credit cards

01:15:59 Concept of Buy Now, Pay Later (BNPL)

01:19:49 Prevailing scams and frauds while using credit cards

01:22:47 One important thing that we did not discuss

#kushallodha #creditcards #creditcardhacks #creditscore