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A Complete Guide to Using Your HDFC Credit Card: Everything You Need To Know Credit Cards can be an immense boon when your hit a rough patch financially. It will not only give you the much needed breather, but also provide you with the means to get back on your own two feet without relying on anybody else. No doubt, when you own your first credit card, it can be exciting, tempting, and intimidating. You can reap plenty of benefits, with each expenditure you make. Moreover, it opens the window to various other financial offering. But be warned, Credit Cards can become the proverbial double edged sword. Not only will it protect you, but it can also harm you, if not utilised wisely. To ensure that you make the most of your first Credit Card, here are some rules you must remember before you start the process to own one: Consider and compare the fees, interest rates and benefits All Credit Cards come with different fees, interest rate and several benefits. The ideal Credit Card you would want to choose should have the lowest fees, lowest interest rates and benefits that match your financial needs. While there may not be a single Credit Card option that will offer you the best of all of these three features, you can consider and compare the available options that will match your usage and needs. A Credit Card is a big responsibility Stick to one Credit Card: Opt for a low credit limit Pay off your entire Credit Card balance before the end of your billing cycle: Use your Credit Card wisely and regularly: Know the Card usage and safety: Moreover, to ensure that your usage and card details are well protected, most of the cards come with security features. The CHIP + PIN features are the standard security feature for all credit cards. The embedded chip encrypts all your data on your card, which prevents your credit card data from either being duplicated or tampered with. The PIN, which is known only to the user, helps in authenticating any transaction made on the card.