New Delhi, Aug. 6 -- In today's fast-paced world, credit is woven into our daily lives. Whether it's upgrading to a new phone, planning a spontaneous getaway, or investing in personal development, credit enables us to act without delay. But what really drives our financial choices?

The key lies in understanding the psychology of spending-how emotions, habits, and mental shortcuts shape when we borrow and how we repay. This insight can help us build a healthier, more empowered relationship with money.

Instant gratification and credit

Credit changes how we perceive spending. It separates the moment of purchase from the actual payment, creating a sense of ease. Swiping a card feels quick and painless-which makes it easy to overspend.

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