Скачать или смотреть આટલા ફાયદા હોવા છતાં, આ 4 રીતે ક્રેડિટ કાર્ડ લોકોને દેવાદાર બનાવે છે | Sachu Kau

In this episode of Sachu Kau, Goonj Thakkar discusses "Dark Patterns in Credit Cards," highlighting issues beyond high interest rates. As of March 2025, there are 10.71 crore credit cards in India with ₹3.7 lakh crore in outstanding debt, and ₹33,886.5 crore is overdue (91-365 days), an increase of ₹10,000 crore in 12 months. Credit card defaults amount to ₹6,742 crore.

The episode focuses on these dark patterns:
Minimum Due: Paying only the minimum due can keep an account from being reported as an NPA, but interest is charged on the remaining balance. For a ₹10,000 debt paid over 60 months at ₹442/month, the total payment becomes ₹26,521.
Easy EMI: Swipes of ₹2500+ can be converted to Easy EMIs with interest rates of 11% to 18% plus processing charges. A ₹4000 product with Easy EMI over 12 months at 18% interest (₹400) and processing charges (₹200-500) can increase the total cost to ₹4900, a 25% increase.
Lifetime Free Credit Cards: These cards may have hidden conditions like minimum spend requirements or annual charges.
No Cost EMI: This often includes processing and foreclosure charges, plus 18% GST on these charges.




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