New Delhi, June 16 -- 'Zero cost EMI', 'Buy now, pay later' and 'Instant loan in 5 minutes' - walk into any Indian e-commerce app or fintech lending platform today, and you'll find these tempting offers staring back. What once was a rare financial tool has now become a lifestyle - and a trap.

India is in the middle of a silent credit revolution. Fuelled by smartphone penetration, fintech innovation, and the promise of "frictionless" borrowing, millions of young Indians are swiping their way into EMIs, micro-loans, and Buy Now Pay Later (BNPL) schemes without a second thought. But this revolution comes with a dark underbelly - one filled with hidden interest rates, app-based harassment, spiraling debt cycles, and long-term financial damag...