You can check your Credit Report and CIBIL Score in the link below.
There were about 58 million Credit Card users in India as of May 2020. The default rate among Credit Card users was 2.32% as of August 2020. Thus there were about 1.345 million defaulters who had defaulted on their Credit Card payment for over 3 months.
Defaulting on your Credit Card payment or any other Loan repayment results in severe and life long harrasment by Banks and Financial Institutions until the money is paid back. It also results in extremely high interest charges and penalties. It is therefore best advised to stay away from Loans in general and Credit Cards in particular. Credit Card usage negatively affects your spending habits and borrowers develop a habit of spending more than they can afford.
Mungekar Wealth 