Understanding Credit Card Policies: A Complete Guide for DSAs
Learn how credit card policies work and how they impact users financially.
This learning module is designed to help DSAs understand the essential policies that govern credit cards in India. A clear grasp of credit card rules, fees, interest, limits, and charges empowers you to explain these to clients accurately and build trust.
In this presentation, you will learn:
What credit card policies are and why they matter
Key terms including credit limit, billing cycle, statement date, due date
Interest rate rules and how interest is charged
Fees and charges like late payment fee, annual fee, overlimit charges
Grace period and how it affects interest
Impact of credit card behaviour on credit score
Tips to help clients use credit cards responsibly
Common policy pitfalls and how to avoid them
The module simplifies complex policies into practical concepts so DSAs can confidently answer borrower queries and position credit card products effectively.
By the end of this module, you will clearly understand credit card rules and be able to guide clients toward better financial decisions regarding their cards.
