Credit is a powerful tool in your hands. When used wisely and well, it can transform your life. But when used indiscriminately, it could lead to financial trouble.

On this website, you can choose a credit profile which best describes you, understand how you can manage credit better and stay in control of your finances.

You can also learn valuable tips from our experts on how to use your credit product better; you can find as well illustrative examples on how to use credit wisely.

You are a relatively new user of credit. You have some limited experience with buying on credit but are not yet sure of how much you depend on credit for survival. You like the idea of buying now and paying later but would like to understand better, how credit products work and use them safely.

You have just got your first job and have got a brand, new credit card. Maybe you took that first personal loan to buy that dream bike or just started running your own business. This is the time to find out how exactly credit works and what your repayment options are. Questions you've always had but didn't know whom to ask.

Learn how to be a responsible borrower of money and how to use your credit-worthiness effectively

You have been using credit cards and loans for quite some times now. You have managed your finances well, saved a tidy sum and are optimistic about the future. With careful budgeting and financial planning, you have gotten to where you are.

Learn how you can guard your credit card from being misused. Click here to know what steps you need to take if you find errors on your credit card statement.

It might just be possible that you are not really aware of how things have gotten out of hand. The interest rates have piled up. Credit is mounting and bills remain unpaid.

to take a short test to find out where you stand.

Living within your means is not difficult, it just demands discipline. to know how you can budget and keep track of your expenses.

You have spent or borrowed more than you can afford. You are not sure how you are going to pay off your debt but would like to work with your bankers to explore options and bring your spends under control.

to read some helpful tips and guidelines that can help you cut costs and get back on track with your finances.

to know how our readers have successfully managed to stay on top of their finances.