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Debt on Plastic: Credit card delinquencies surge 44% to Rs 33,886 crore amid rising consumer spending

July 28, 2025 5:20 am

These trends signal both short-term and long-term stress in the unsecured credit market, especially as consumers lean heavily on plastic for everyday and discretionary spending.

A woman from the US paid off $12K out of $23K credit card debt with the help of ChatGPT. (Image source: Representational image/ Unsplash)

'I stopped being afraid of my numbers': US woman pays off $12K credit card debt with ChatGPT's help

July 02, 2025 6:24 pm

Jennifer Allen, 35, used ChatGPT's suggestions and saved hundreds of dollars on groceries.

digital payments, credit cards, credit card payments, EMIs, equated monthly instalments, upi services, Indian express news, current affairs

One third of digital payments in India driven by credit cards and EMIs, says survey

April 13, 2025 8:01 am

These findings come amid tightening regulatory measures aimed at curbing rising consumer credit and growing household debt, which is increasingly fuelling consumption rather than asset creation.

Co-branded Credit Cards: Benefits, Features, and How They Work

April 07, 2025 1:51 pm

Some cards waive annual fees if you meet a spending limit while others provide early access to sales and exclusive brand offers.

Visa bids $100 million to replace Mastercard as Apple's new credit card partner

April 02, 2025 9:00 am

American Express is also vying for the Apple Card, while Apple explores new issuer options following its split from Goldman Sachs.

Deciding between a credit card EMI and a personal loan depends on your needs. If you want quick, hassle-free funds and your purchase qualifies for a no-cost EMI, go for a credit card EMI. (Representational Image)

Credit Card EMI vs. Personal Loan: Which is Better for Big Expenses?

March 20, 2025 12:39 pm

Credit card EMIs allow you to convert high-value credit card purchases into smaller monthly instalments. Instead of paying the full amount upfront, you can opt for EMIs that are deducted from your monthly credit limit over a tenure of 3 to 24 months.

‘Retail credit growth continues to moderate across most products’: TransUnion CIBIL CEO

March 13, 2025 6:44 am

Jain said, “non-performing assets (NPAs) in the microfinance sector have increased to Rs 51,000 crore. The marked increase in credit card spending indicates its expanding acceptance among consumers as a tool to access credit.”

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Planning to get a credit card? 6 hidden charges you must know

March 04, 2025 4:19 pm

Foreign transactions, late or partial payments, and other fees can make your card costlier than expected.

credit The plea also said that the Centre and the RBI have an “unholy and unethical alliance” with the CICs to undermine citizens rights.

New law empowers credit firms to collect data without users’ consent, RBI tells Supreme Court

February 16, 2025 4:03 am

In a counter affidavit filed in a case accusing Credit Information Companies (CICs) of 'illegally' collecting people's financial information 'by forced consent,' the banking regulator says they are empowered by law to access data to prevent fresh bad loans.

Young credit card users must exercise caution as spends soar

December 30, 2024 10:49 am

Young credit card users are increasingly using credit for non-essential purchases, often relying on EMIs to finance their spending.

CREDIT CARD VIDEOS

What we know about online shoppers in India: News in Numbers

June 22, 2020 6:19 pm

You can practically order anything off the internet these days. So how many of us actually do it? Take a look in today's News in Numbers. See more: https://bit.ly/2M2t86i