Individuals should only obtain a credit card if they can consistently treat it like a debit card and pay the full balance on time.

“If you can treat your credit card like a debit card please get it if you're not going to if you're going to buy something and think that I'm going to pay it over the next three months don't get a credit card”

The primary goal for a first-time credit card holder should be to build a reliable credit history rather than focusing on immediate rewards.

“The intention is I need to build trust with the banking system or build my Cil score and six months later get an MX get a swiggy HDFC card if you're using on swiy get a flip card card get a SBI cash back card”