Credit Responsibility 1. LOAN ≠ FREE MONEYLOAN = EXPENSE MONEYTreat loans as financial obligations, not free cash. Every borrowed rupee is a future expense. 2. Do Not Carry Credit CardAvoid carrying credit cards unless absolutely necessary to prevent impulsive spending and debt buildup. 3. Stop Using Card After Missed PaymentIf you miss a payment, stop using the card immediately to avoid worsening your financial situation. 4. Seek Help ImmediatelyReach out to financial institutions or professionals as soon as you struggle with repayments. Early help prevents deeper debt. 5. Do Not Spend on Things You Cannot AffordAvoid using credit for unaffordable purchases. If you can’t buy it with cash, reconsider the expense.