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Credit cards made up about 35% of all transactions last year, according to Federal Reserve data. And yet, most people swipe without realizing the hidden perks and money-saving tricks their cards come ...

If your total credit limit is ₹5 lakh and you've already spent ₹4.5 lakh, it's best to pay off your old balance first. In this case, making new transactions will push your credit utilization ratio to ...