Your go-to resource for financial wellbeing

Debt Management

Two proven strategies. One goal: becoming debt free. The snowball method clears small debts first to build momentum. The avalanche method clears high interest debt first to save money. Which one you should use depends less on which is mathematically superior and more on which one you will actually finish.

By FREED India | 22 July 2026

Debt Management

The HDFC credit card minimum amount due is the smallest payment you need to make by your due date to keep your account in good standing. It's worked out using a formula set under the RBI-prescribed framework applicable to credit card issuers, not a flat percentage most people assume, and it covers mostly interest and fees, not your actual spending. Paying only this amount keeps the late fee away, but the rest of your bill goes on earning interest.

By Mohit Juneja | 22 July 2026

Debt Management

HDFC EMI moratorium was a temporary pause on loan and credit card EMI payments, offered under RBI's COVID-19 relief package. It ended on 31 August 2020, and HDFC isn't accepting new requests. If you're searching this today because your EMIs are getting hard to manage, the real options now are restructuring, consolidation, or settlement, not a moratorium.

By Mohit Juneja | 22 July 2026