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.
4390 posts · Page 71 of 366 · View the full archive
How-To GuidesEMI Purchases and Price Drops: What Happens When the Sale Price Falls After You Buy
Buy a phone on no-cost EMI during the festive sale; two months later it is ₹5,000 cheaper. You are still paying the old price in instalments. EMI locks the price at the moment of purchase — but it does not lock you out o
How-To GuidesFiling a Price Protection Claim: The Paperwork That Gets Approved
Knowing your card has price protection is only half the battle. Claims are adjudicated by insurance partners working from checklists, and most rejections trace to paperwork — not to the claim being invalid. Here is how t
Buying GuidesPost-Diwali Price Drops: How Credit Card Price Protection Actually Works
Every festive season in India follows the same rhythm: Diwali sales slash prices, shoppers rush in, and then — sometimes within weeks — the same product gets cheaper again. If you bought that TV or refrigerator with a cr
Credit HealthBuilding Credit From Zero: Secured Cards and Other Starter Paths
Everyone with a 800+ score started at zero — no history, no track record, and banks reluctant to be the first to lend. Building credit from scratch is a solved problem with a clear sequence. This guide lays out the start
Credit HealthDisputing Errors on Your Credit Report: The Step-by-Step Process
Credit reports contain errors more often than the system admits — wrong late flags, accounts that are not yours, limits that do not match. Every error potentially costs you score points and loan approvals. The dispute pr
Credit HealthReading Your CIBIL Report: A Section-by-Section Walkthrough
Your CIBIL report — the Credit Information Report, or CIR — is the document behind your score. Lenders read it line by line on big applications, and you should too, at least once a year. This guide walks through each sec
Credit HealthSeven Credit-Builder Mistakes That Silently Lower Your Score
Credit scores are built slowly and damaged quickly — often by mistakes that feel harmless in the moment. This guide names the seven most common score-destroying errors, why each one hurts, and what to do instead.
Credit HealthHow Many Cards Should You Apply For? A Sequencing Playbook
"How many credit cards should I have?" has no universal answer — but "in what order and how fast?" does. Application sequencing — the pace and order in which you acquire cards — shapes your score, your approval odds, and
Credit HealthCredit Mix and Account Age: The Quiet Builders of Your Score
Payment history and utilisation get the attention, but two quieter factors — how long you have held credit and how varied it is — contribute roughly a quarter of your score. They reward patience and punish impatience. Th
Credit HealthPayment History: Why One Missed Payment Echoes for Years
Payment history carries roughly a third of your credit score's weight — more than any other factor. A single missed payment can undo years of careful behaviour, and the damage lingers long after the money is paid. This g
Credit HealthHard vs Soft Enquiries: How Card Applications Affect Your Credit Score
Every credit-card application leaves a footprint on your credit report — but not all footprints are equal. Understanding hard versus soft enquiries is the difference between applying strategically and accidentally signal
Credit HealthCredit Utilisation Ratio: The 30% Rule and How to Manage It
Of all the levers on your credit score, utilisation is the most misunderstood — and the fastest to move. Cardholders who pay in full every month are baffled to learn their score suffers from "high utilisation." This guid