RBI announced on Thursday that they want to introduce Method 4, a direct credit line on UPI. We're not talking about a credit card linked to UPI, but a direct loan from a bank. What this means is that if you don't have a credit card and still want a short term loan to make UPI transactions, it could be very much possible. But there is a dark side to this kind of credit too. People can quickly fall into a trap of borrowing. And when the limit runs out, they could soon end up going to money lenders who don't care about their financial well-being.