This 19-year-old works as a hairdresser at 'Under The Tree' at Shalimar Hotel. Parul's mother Renu, who is 48 and a trained speech therapist and neurotherapist, owns a Bank of Baroda Visa card and an HDFC Bank card.

"We use credit cards very rarely," answers Parul for her mother. The Jhaveri's use their credit cards mostly for booking movie tickets or plane tickets online, she adds. "Also when I run out of cash and my children indulge themselves," Parul's mother adds her bit.

Both believe that credit cards are very handy when it comes to making payments. What’s more Ms Jhaveri has no issues with her card.

"Our credit card company's service is very good. They are very accommodative whenever there is some problem related to payments," says Parul.

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