Wel always pay the higher round off amount which will be adjusted in the next bill. Also make payment atleast 4 days in advance as we forget that all months are not 31 days and due date cant be the same everytime.Useonline payment from same bank if its available like ICICI bank. Dont be too much greedy to pay on 50th day. We are not going to earn huge interest on our savings account for two days !! Credit cards have changed my life ! Wel I have utilised 10,000 more than my credit limit and bank did not charge me anything ! You know why ? The payment history and the usage trend ! Even I converted the huge amounts into EMIs at nominal interest & 1% processing fees. One must play within the rules ! Hope its helpful to you all. Thanks
