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Business News > Mint Authors > Dakshita Ojha

Dakshita Ojha

ARTICLES BY DAKSHITA OJHA

Credit card rejected? Here are the top 10 reasons behind it

3 min read . 11 Jul 2025

Loan part-payment: Will it boost or hurt your credit score?

3 min read . 11 Jul 2025

Credit score: Understand how closing your loan early impacts your credit report.

Will foreclosing a loan hurt your credit score? Here’s the truth

4 min read . 10 Jul 2025

Concierge services offered by credit cards are designed for convenience and exclusivity.

What is concierge service on a credit card? All you need to know

3 min read . 10 Jul 2025

Understand the pros and cons of using instant loan apps for urgent financial needs.

Emergency cash in minutes: Are instant loan apps in India worth it?

3 min read . 09 Jul 2025

Understand how late fees and over-limit penalties can hurt your credit score and finances.

Credit card costs breakdown: Late fees, over-limit charges, and GST

3 min read . 09 Jul 2025

Aadhaar-based instant personal loan offers quick approval and disbursal for urgent financial needs.

How to apply for an instant personal loan using your Aadhaar card

4 min read . 09 Jul 2025

Using a credit card for major expenses may be smart when it aligns with your repayment capacity.

Is it smart to use a credit card for big purchases? Experts explain

3 min read . 08 Jul 2025

From airport lounge access to golf privileges, super-premium credit cards cater to affluent lifestyles.

Top 7 super-premium credit cards for elite lifestyle perks

4 min read . 08 Jul 2025

Business loan schemes in the country offer women entrepreneurs easy access to funding, training, and support to scale their enterprises.

Top 5 government business loan schemes for women entrepreneurs

3 min read . 07 Jul 2025

Personal loan: Loan moratorium offers short-term EMI relief during financial hardships but may increase overall interest burden.

Loan moratorium meaning: What it is and how it works for borrowers

3 min read . 07 Jul 2025

Understanding pre- and post-disbursal steps is key to responsible personal loan management.

Personal loan guide: What to do before and after borrowing

3 min read . 07 Jul 2025

Paying rent through credit card offers rewards and credit boost but risks high fees if misused.

Paying rent using a credit card: Is it a good idea or a debt trap?

2 min read . 07 Jul 2025

Punjab National Bank reduces MCLR by 5 basis points, making loans slightly more affordable.

PNB reduces MCLR by 5 basis points across loan tenures. Details here

2 min read . 04 Jul 2025

Business credit cards in India help manage company expenses and build credit profiles efficiently.

What are business credit cards and how do they work in India?

3 min read . 04 Jul 2025

Good debt helps build assets or income, while bad debt drains your finances—know the difference.

Good debt vs. bad debt: How to use loans smartly and avoid financial traps

3 min read . 04 Jul 2025

Student using a personal loan EMI calculator to plan monthly repayments and manage education debt efficiently.

Student loan repayment: Can a personal loan EMI calculator really help?

3 min read . 03 Jul 2025

Amazon Pay ICICI Credit Card: Lifetime free, 3% cashback, and flexible rewards for online shoppers.

Amazon Pay ICICI Credit Card Review: Rewards, fees, and how to apply

4 min read . 03 Jul 2025

Missing a credit card due date can lower your score and raise your interest rates.

How much does a late credit card payment really impact your credit score?

3 min read . 03 Jul 2025

Align your credit card billing cycle with payday to avoid late fees and manage cash flow efficiently.

How does the credit card billing cycle affect your cash flow management?

3 min read . 03 Jul 2025