The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
No-Cost EMI Cancellation Charges, Bank by Bank
Cancelling or returning something bought on no-cost EMI usually comes with a processing fee that doesn't...
Abhineet Sinha · 2026-08-23
Cash Limit vs Credit Limit: What's the Difference?
Your card has two ceilings, not one, and the cash one is almost always much smaller. Mixing them up is how...
Anant Mohan Sinha · 2026-08-23
How to Close a Credit Card the Right Way
Cutting up the card isn't closing the account, and closing it wrong can leave you with fees, a damaged...
Abhineet Sinha · 2026-08-23
RuPay Credit Card UPI Charges Above ₹2,000: What Changed
A merchant fee on RuPay credit card UPI payments above ₹2,000 does exist, but it's the merchant who pays...
Anant Mohan Sinha · 2026-08-23
What Is a Grace Period on a Credit Card?
The grace period is the entire reason a credit card can be interest-free, and it's shorter than most...
Abhineet Sinha · 2026-08-23
No-Cost EMI on Credit Cards: How It Actually Works
"No cost" doesn't mean the interest disappears, it means the seller pays it upfront by adjusting the...
Anant Mohan Sinha · 2026-08-23
How to Foreclose a Credit Card EMI Early
Paying off a converted EMI ahead of schedule saves you the remaining interest, but almost every bank...
Abhineet Sinha · 2026-08-23
Minimum Amount Due vs Total Amount Due: The Difference That Costs You Money
Paying the minimum due keeps your account in good standing. It does almost nothing to stop interest from...
Abhineet Sinha · 2026-08-23
How to Check Your Credit Card's Available Limit
Your available limit isn't your total credit limit, it's whatever's left after you subtract what you...
Anant Mohan Sinha · 2026-08-23