Amit Sukhija

  As soon as some people hear the word ‘Credit Card’, they end up projecting the user as ‘Spendthrift’, ‘Financially Undisciplined’, ‘Payment Defaulter’ and so on. However, for a person who knows the basic guidelines of a credit card’s usage, they would be proudly using it. A credit card is a two-edged sword and must be used prudently. For the population who think a credit card is a debt trap, must be clear, using it in the right manner the user can not only be solvent but also rewarded. What is this Credit Card? A credit card is a type of lending provided by a bank or a similar financial institution to its customers as a reserve for their day-to-day expenses termed as ‘Credit Card Limit’. This reserve is fixed depending on several criteria. The credit card can always come within reach when a person is temporarily financially broke. Some card users think the credit limit is their own money, but on the contrary, it is the bank’s money that is used by the cardholder as it is a lend

  Ray of Hope   As the planet is currently engulfed by the Wuhan virus, majority of the activities have come to a stand-still, and some of the industries have transformed their work culture. As an individual whether one is affected or not with the situation, one must take the stand-still as an opportunity and not as a setback. The below image clearly depicts the current situation the world’s population is currently experiencing. Until the fag end of CE 2019, activities around us were executed as planned, just like the bright sun shining in the sky in the image-bearing as a torchlight for our routine. Then the lab-originated virus struck the globe, which appeared as dark clouds to many while they lost path in their life. However, one’s determination must be exactly like the hawk in the sky who finds a prospect to fly above the dark clouds. An opportunist’s current situation is depicted aptly in this picture; they see the dark clouds as a chance to soar higher by taking complete ad