There is so much knowledge around us and it is growing at such a rapid pace that human beings are no longer capable of keeping everything in their brain let alone remember the important things when required. My interests in a variety of fields ranging from technology, finance, law, world affairs to my childhood interest in Sanskrit and my hobbies has always stimulated my desire to study and get to know about various topics related to these fields. I strive to understand diverse aspects and different viewpoints and also try to develop my opinion based on the knowledge that I have gained and from experiences of people around me. Generally, your understanding of the topic improves by writing about and explaining it to a layman in simplest of words. I would be working to improve my knowledge of various topics and hope to give you simplistic content to read and enjoy.
After joining my job in June 2018, my salary account was opened in ICICI Bank. During the account opening process, I was offered a Life Time Free (LTF) credit card. Simply put, this was my first chance to get into the credit world without any extra hassle because first of all, neither was I aware of the concept of credit scores nor I had any credit history and secondly, I was just curious about credit cards after seeing of my father use his credit cards with extra caution and the monthly event of credit card bill payment that used to happen at my home. And in that sudden moment of joy, I made my first mistake in the credit world. Representative Image (Source: https://jessepollak.github.io/card/) Now if your guess is that I started spending crazy amounts of money which I couldn't repay, then you are WRONG! I am a miserly person. Money doesn't leave my hands and in general, my credit utilization has never exceeded 5% of my credit limit. So coming back to my first mis...
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