If you don't maintain financial discipline, you will need up being a newspaper story by committing suicide or robbing a bank.
Save what you can and then try to spent on what is most necessary, don't just go on buying spree, you alone are responsible for your trouble nobody else
I have one HDFC bank credit card , I have used a lot but not regularly , when reqd I have used and paid in time. But when I am not using this card then they imposed a amount against various charges ,when I ask them , they always suggest to pay this amount once upon I have paid more than Rs.3000.00 against assurance that further any amount not to be imposed me . But again they sent a message to pay approx. Rs 1000 .00 again where I have not purchased any thing. So its a habit to cheat card holder of all banks credit card division , I can evidence if anybody ask me...
