About eight years ago, I took my first step into the world of credit cards by applying for an ICICI Bank Instant Platinum Credit Card. It was FD-backed, with a credit limit of ₹17,000 . I remember ordering a Samsung phone on EMI through Flipkart using that card . That experience sparked my curiosity—I gradually learned how credit cards worked: understanding billing cycles, due dates, statements, and responsible usage. Later, at a mall, I met a sales executive from SBI Card. I applied for the SBI StyleUP Card using my ICICI card as a reference. To my surprise and delight, it was approved with a limit of ₹1,01,000 . There was only an office verification via phone. That was a proud moment for me. Eventually, this card was upgraded to the SBI SimplyCLICK Card. I used it wisely, earned a lot of reward points, and redeemed them for useful things like a table fan and more. This card proved to be a financial cushion during a difficult phase. I had to use nearly 90% of the limit and paid...