Bhai manle tujhe credit card mil gaye, with a limit of 1 lakh. Now u need money to buy something(not important) like say clothes or any electronic, you will buy with ur card saying ki limit hain mere paas and I will pay when I get my pocket money. Now at the bill generation time, you need to pay money but you need to pay rent or something else so you will convert ur purchase to emi and thats how u wull fall into debt trap. Credit card are only for those who know how much to spend. Students. no matter how good they are can never handle their expenses properly. Now if u use debit card and u need to buy something u will know how much money u have and how much u can spend. Bhai credit card ke peeche na bhaag, jab due date aayegi na and paise nhgi de paenga tab pata chalega asli credit card ki reality.