Credit Cards : Smart Tools Or Debt Trap
Join us for a practical session on Credit Cards : Smart Tools or Debt Trap
This session will help participants to make informed financial decisions by exploring responsible usage, interest rates, hidden charges, and the long-term impact on credit scores. Whether you're a first-time user or looking to regain control of your spending, this session offers practical tips and insights to turn your credit card into a powerful financial tool instead of a debt trap.
Session Highlights:
Understanding Credit Cards – Learn how credit cards work, including billing cycles, interest rates, and minimum dues.
The Power of Plastic – Explore how credit cards can help manage cash flow, build credit scores, and offer rewards.
Common Traps – Identify pitfalls like revolving credit, overspending, and late payments that can lead to debt.
Hidden Costs – Understand fees like annual charges, late payment penalties, and interest accumulation.
Smart Usage Tips – Discover habits like full bill payment, tracking spends, and using reward points wisely.
Credit Score Connection – Learn how your credit card behaviour impacts your creditworthiness.
Myths vs Facts – Bust common myths about credit cards and responsible usage.
Emergency vs Impulse – Learn when to swipe and when to skip – differentiating needs from wants.
This session is ideal for anyone who uses or is planning to use credit cards and wants to make informed, smart financial decisions. Whether you're a first-time user, a frequent spender, or someone struggling with outstanding balances.
Meet the speaker - Puja Dholakia
I am Puja Dholakia, Managing Director at Dhanshree Financial Services and a SEBI-registered distributor, with over 13 years of experience in managing clients' investments. We proudly serve a diverse clientele of more than 240 individuals and families, with an Assets. Under Management (AUM) exceeding ₹40 crores. Our team comprises seasoned professionals, including a former ICICI banker with over 19 years of experience in investment advisory, having managed HNI portfolios worth over ₹5,000 crores. We are also supported by a practicing Chartered Accountant with more than 18 years of expertise in taxation, audit, and financial planning .
Don’t miss the opportunity to gain clarity and control over your finances This insightful session will help you understand how credit cards can be powerful financial tools when used wisely — or turn into burdensome traps if mismanaged. Learn practical tips, dos and don’ts, and real-life examples to make smarter financial decisions.