Introduction

Credit cards — their original purpose was truly noble. Yes, it really was. But gradually, banks and NBFCs observed that these cards could become one of the most profitable businesses. And driven by this greed, they played a game — a game in which most of India has now become a victim. In the corporate world, out of all the people I know, more than 90% are trapped in credit card debt. As soon as their salaries arrive, before giving money at home, before making any investment, before even buying anything — the first thing they do is pay their credit card bills or EMIs. Most of them don’t even realize they’ve fallen into a lifelong trap laid by banks and NBFCs.

Key Points

🟧 How this trap works? In my understanding, a credit card is basically an instant loan facility, or we can even call it an instant help facility. The original purpose, as I believe, was something good. Imagine if someone suddenly faces a medical emergency or any unexpected expense. Normally, they'd have to call friends or relatives asking for help: “Just help me for 10–15 days, I’ll return it next month once my salary comes.” This is painful — begging around, not knowing who will help. But credit cards changed this forever — and that was a great thing! Now, if you need urgent funds for hospitalization or travel, you can simply swipe your card and manage the situation without begging or calling anyone. And if you repay the full amount next month — there’s no interest at all. This is genuinely helpful.

Example

🟥 But the game changed... What was designed for emergencies is now being used for clubs, bars, wine, cafes, trips, and shopping — basically artificial needs. Not only are banks and NBFCs allowing this, but they are actively promoting it via advertisements. They say: > “Earn reward points on every transaction, and redeem them later!”

Conclusion

That’s the game. Banks know very well that someone who spends only on real needs will most likely repay the bill every month. But someone who spends on wants, impulses, and status-driven consumption will default or convert their dues into EMIs — and this is exactly what banks want. That’s their goldmine. So yes, the same credit card which was created to help us — has now become a trap, a psychological loop where people unknowingly mortgage their freedom for temporary pleasure. Please be aware. Don’t fall into the trap.

Introduction

Credit card — isko banane ka maksad waqay me bahut hi achha tha, haan sach me. Lekin dheere dheere banks aur NBFCs ne observe kiya ki yeh credit card ek highly profitable business ban sakta hai. Aur isi lalach me unhone ek game khela — ek aisa game jisme aaj zyada tar log fas gaye hain. Corporate world me jitne logon ko me janta hoon, unme se 90% se zyada log credit card ke karz me phase hue hain. Jab salary aati hai, to ghar me paisa dene se pehle, investment karne se pehle, kuch kharidne se pehle — sabse pehle credit card ka bill bharte hain ya fir EMI ka payment karte hain. Aur unhe khud bhi pata nahi hota ki wo life-long trap me phase chuke hain — banks aur NBFCs ke daura bichhaya gaya trap.

Key Points

⚠️ Ye trap kaise kaam karta hai? Mere hisab se credit card ek instant loan facility hai, ya kahen to emergency help facility. Iska asli maksad tha kisi emergency me madad dena. Socho agar kisi ke ghar me achanak koi problem aa jaye, jaise hospitalisation, ya urgent travel — to wo har kisi se madad mangta hai: > “Bhai, bas 10–15 din ki help kar de, salary aate hi wapas kar dunga…” Yahi hota tha — ro ro kar paise milte the. Lekin jab se credit card aaya — ye problem almost khatam ho gayi. Aap swipe karo, urgent need poori karo, aur agar agle mahine full payment kar do to koi interest bhi nahi lagta. Matlab na kisi ke samne hath failana, na delay.

Example

😈 Par ab game badal gaya... Wahi credit card jo emergency ke liye tha — ab use ho raha hai club, bar, cafe, wine, shopping aur trips ke liye — yani artificial needs ke liye. Aur banks/nbfc isko sirf allow nahi kar rahe — balki aggressively advertise bhi kar rahe hain: > “Har transaction par reward points kamao… fir use redeem karo!”

Conclusion

Aur yahi game hai. Banks ko pata hai ki jo banda sirf real needs pe kharch karega — wo kabhi loan nahi lega, aur har mahine bill chuka dega. Lekin agar banda wants, showoff, ya impulse pe paisa uda raha hai — to 70% chance hai ki wo bill default karega ya EMI me convert karega. Aur wahi to bank chahta hai. Wahi unka paisa banane ka tareeka hai. To dosto, is game ko samjho. Credit card madad karne ke liye bana tha, trap ban gaya hai — isliye aware raho!