

How Credit Card and Loan Defaults Impact Your CIBIL Score in India: A Complete Guide
Credit card and loan defaults can severely impact your CIBIL score and long-term financial health. From missed payments and NPA classification to settlements and write-offs, defaults are reported regularly and can stay on your credit report for years. Understanding how different types of defaults affect your score—and taking timely, informed action—can help minimise damage and support faster credit recovery.
2 min read


Credit Card Usage, Credit Card Debt and the Debt Trap in India: A Complete Guide for Financial Well-Being
Credit Card Debt Trap in India: Understand the risks of high-interest credit card usage, how minimum payments lead to compounding debt, and legal solutions like debt settlement. Learn RBI guidelines, protect your credit score, and rebuild financial health with expert guidance.
2 min read


How to Stop Bank Recovery Agent Harassment in India: Legal Rights & Protection
Why Recovery Agent Harassment Happens
Banks and NBFCs appoint recovery agents when accounts become overdue. Their goal is to recover dues quickly, but many agents cross legal and ethical boundaries by using fear and pressure tactics. Harassment increases when borrowers panic or lack awareness of their rights.
3 min read


Debt Settlement in India: A Smart Way to Break Free from Debt and Rebuild Financial Well-Being
Debt has quietly become one of the biggest financial stress points for individuals in India. With easy access to credit cards, personal loans, instant loan apps, and EMI-based purchases, borrowing money has never been simpler.
4 min read

































