Blog
06 posts
Notes on statements, fees, and the fine print.
Specific writing on how Indian credit card statements actually work — what the fine print means, and how to read the parts issuers don’t make obvious.
- Published
- Length
- 7 min read
- Filed under
- spending · categories · statements
ASSPLBangalore and other strange names on your credit card statement, decoded
Amazon shows up as ASSPLBangalore, Blinkit as Blink Commerce, CRED as Dreamplug. What the strange merchant names on Indian card statements mean.
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- Published
- Length
- 5 min read
- Filed under
- emi · interest · fees
Credit card EMI interest in India: 16% or 30%, plus 18% GST
Credit card EMIs in India cost 16% to 25% a year, up to 30% if you convert a purchase yourself, plus 18% GST on every month's interest.
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- Published
- Length
- 5 min read
- Filed under
- spending · family · tags
Your due date is the least interesting thing on your statement
A statement tells you what you owe. Several statements, read together and grouped the way you actually live, tell you much more. Here's the ladder.
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- Published
- Length
- 5 min read
- Filed under
- habits · interest · emi
How to stay in control of your credit cards
Your credit card's defaults work whether you pay attention or not. Four mechanics put you in control: the interest-free window, minimum due, EMIs and fees.
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- Published
- Length
- 4 min read
- Filed under
- statements · security
How credit card statement passwords work in India, and how to find yours
Why your credit card statement or bill PDF is locked, how the password is built from your name and date of birth, and a finder for each Indian bank.
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- Published
- Length
- 4 min read
- Filed under
- fees · annual-fee
Credit card annual fee waivers — how the threshold actually works
Why fee waivers are counted from your card's anniversary, not the calendar year, and how to work out where you stand before the fee lands.
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