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Credit Cards and Loans

Good Debt vs Bad Debt

Loans for education or housing are helpful if used wisely. Credit card debt or buying luxuries on EMI can lead to financial problems if not handled carefully.

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Building Your CIBIL Score

Pay your credit card bills in full and on time. A CIBIL score above 750 helps you get better loan offers. Avoid applying for too many loans at once.

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Types of Loans

Personal loans are for emergencies or major expenses. Education loans have lower interest and a repayment grace period. Always read the terms before borrowing.

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