Introduction

Angkushtaitya was scared of getting trapped into debt because he is an impulsive shopper. He used to maintain an Excel sheet to record his spends and so that he do not overspend. Angkush started using credit cards in 2018 after buying a MacBook with EMI on ICICISA Filo card. "Slowly, slowly, I shifted almost all my spends to credit cards," says Angkush.