First card mistakes are expensive because they hit your file early. Full bill, low utilisation, one card — boring wins.
- Paying only minimum due.
- Applying to five cards in a month.
- Maxing the limit for “rewards.”
- Sharing OTP / card with friends.
Credit & loans
First credit card mistakes that wreck Gen Z CIBIL
The most common first-card errors in India — minimum due, multiple applications, maxing limits, and how to recover.
7 min read · Updated 4 July 2026
Common questions
- What is the biggest first credit card mistake?
- Paying only the minimum due. It creates high-interest revolving debt and trains a bad habit early.
Try it yourself
Keep reading
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General education, not personalised financial advice. Rules and rates change — verify the current position before you act.