Using a credit card for large purchases like electronics, appliances, or travel can be a smart financial move-if done correctly. Credit cards offer several benefits, such as cashback, reward points, and zero-cost EMI options, making them attractive for big-ticket items. They also provide fraud protection and extended warranties, giving users additional security.

Experts say credit cards are best used when you have the repayment ability. Paying the full amount before the due date helps you avoid interest. If you can’t repay immediately, personal loans are often a better choice as they come with lower interest rates.

However, overspending or exceeding your credit limit can negatively affect your credit score. It’s important to check your credit utilization and repayment schedule before making a big purchase.

To use credit cards wisely, opt for zero-interest EMI offers, monitor your credit score regularly, and never miss payment deadlines. Always budget ahead and avoid turning convenience into long-term debt.

In short, credit cards can offer flexibility and value-but only when used with discipline and a clear repayment plan.