goodboy 1261 days ago

Dont accept the CARD blindly, if you become defaulter your name will appear in CIBIL record damaging your credit history and it is very difficult to get your name cleared as CIBIL does not accept the request from user they pass information to concern finance institute if the Institute accept and reply +ve to CIBIL then only CIBIL rectify it. this happens rarely :) , even u may get default notice after 10 years, You have to go to Consumer court or Banking Ombudsman to clear the matter so always think twice before accepting the CREDIT CARD offer and be discipline in paying your dues in time. In fact GOVT should form proper readdressal mechanism then only push for the CREDIT CARD.