The CardBuzz blog
Card-by-card write-ups from our team, features, fees, lounge access and who each card actually suits. For the numbers after every cap and exclusion, head to the card pages.
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How-To GuidesCredit Limits Explained: How They're Set and When to Raise Yours
"Congratulations! Your credit limit is ₹1,50,000." It feels like a gift. It isn't — it's the bank's calculated bet on how much you can borrow without defaulting. Understanding how that number is set, why it matters beyon
How-To GuidesWhat Happens If You Miss a Credit Card Due Date: Fees, Interest, CIBIL
You meant to pay. The reminder got buried, the app didn't open, life happened. Now the due date has passed with a ₹30,000 bill unpaid. What actually happens next — in rupees, in order, with the math shown? Let's trace it
How-To GuidesHow to Read Your Credit Card Statement, Line by Line
Your first credit card statement looks like a tax form had a baby with a phone bill. Rows of numbers, abbreviations, dates that don't match your memory of spending. But a statement is just five sections telling one story
How-To GuidesBilling Cycle vs Statement Date vs Due Date: the Three Dates, Explained
Ask a new cardholder when their bill is due and you'll often get three different answers — because credit cards run on three different dates that sound alike and do different jobs. Confusing them is the #1 beginner mista
How-To GuidesHow Credit Cards Actually Work: The 45-Day Interest-Free Cycle
Every credit card advertisement brags about an "interest-free period of up to 50 days." Most people nod along without knowing what that actually means. Let's fix that, with a calendar and real numbers.
How-To GuidesShould You Get Your First Credit Card in 2026? An Honest Guide
You are standing at a familiar crossroads. Your friends are posting unboxings of shiny new metal cards, a bank is calling you about a "pre-approved" offer, and somewhere a well-meaning uncle is warning you that credit ca
Credit HealthHow Long Does It Take to Fix a CIBIL Score? Realistic Timelines
"How long will this take?" is the most asked — and most honestly answered — question in credit repair. The uncomfortable truth is that CIBIL does not publish recovery timelines for most score factors. What we can do is a
Credit HealthCard Upgrades, Limit Hikes, and New Cards: Score Impact
Three of the most common card moves — upgrading to a better card, getting a limit increase, and opening a brand-new card — pull your score in different directions. Each one touches a different factor of the model. Here's
Credit HealthCredit Score Myths Indian Borrowers Believe (and the Facts)
Credit scores attract confident, wrong advice the way free buffets attract uncles. Much of what Indians "know" about CIBIL scores is folklore passed along in family WhatsApp groups and bank-branch waiting rooms. These ar
Credit HealthBuilding a CIBIL Score from Zero: Secured Cards and a 12-Month Plan
"No credit history" is not the same as "bad credit" — but to a lender, it is nearly as hard to evaluate. With no repayment record to score, you are an unknown quantity, and unknown quantities get rejected or offered poor
Credit HealthHow to Dispute CIBIL Report Errors: A Step-by-Step Guide
Wrong entries on a credit report are more common than most borrowers realise: a loan marked unpaid after you closed it, a credit card you never applied for, a personal detail that isn't yours. Every one of them can drag
Credit HealthCredit Mix: Secured vs Unsecured Credit in India
Credit mix is the smallest major factor in the commonly cited CIBIL model — around 10% — and the most over-worried-about. Borrowers routinely ask whether they need a loan they don't want, just to "fix their mix." Almost