Credit Card Basics
Start your credit journey the smart way. Learn card fundamentals, approval secrets, credit score tips & more.
Top Reads in Basics
Credit Card 101
Everything a first-time user should know before applying for their first credit card.
Choosing Your First Card
Understand what card suits your lifestyle — rewards vs cashback, annual fees & more.
Credit Score Secrets
Learn what makes or breaks your credit score when applying for a card.
Popular Articles
Card Types Explained
From lifetime free to premium cards — learn all the categories.
Credit Limit & Utilization
How much credit should you use and why it matters for your credit health.
Application Approval Tips
Simple tactics to improve your approval chances with any bank.
Explore by Subtopics
What is a Credit Card?
Understand the basics, terminology, and how cards work.
Why Use Credit Cards
The pros and cons every beginner must know.
How to Choose Your First Card
Understand card types, fee structures, and ideal first card picks.
What is a Credit Score?
How scores work and tips to maintain 750+ rating.
Approval Tips
How to increase chances of getting your card approved.
Types of Credit Cards
From cashback to travel cards — which one fits your needs?
What is Credit Utilization?
Why it impacts your score and how to keep it optimal.
Explore Other Spark Categories
Want to go beyond basics? Check out guides on rewards, fees, travel hacks & more.
Browse All Spark TopicsFAQs – Getting Started with Credit Cards
Is it safe to use a credit card online?
Yes, if used on trusted websites. Always enable OTPs and avoid saving card info.
What is the best first-time credit card?
Look for zero annual fee cards with simple cashback or reward systems, like SBI SimplyClick or Amazon Pay ICICI.
Will owning multiple cards hurt my credit score?
No, as long as you pay on time and keep utilization low. Multiple cards can help build a better score.
Should I pay the full amount or minimum due?
Always pay the full amount to avoid interest charges. Minimum due = debt trap.
What is a CIBIL score and why does it matter?
It’s a 3-digit score (300–900) used by banks to approve credit cards. Aim for 750+.