New Delhi, Sept. 19 -- Smart credit card usage is more than spending control. It comes with several other important features and benefits. One such feature is the credit card payment grace period. This key feature helps avoid interest charges and assists credit card users in maintaining financial integrity.

Proper repayments within credit card grace periods also keep borrowers' credit scores intact. This is a way to build a solid credit history and boost one's overall credit profile. Missing the credit card grace period can result in late payment fees, card restrictions, a negative impact on credit scores, and loss of grace period privileges.

As explained by Saurabh Puri, Chief Business Officer, Credit Cards and Lending Products, Zaggle...