New Delhi, Feb. 10 -- Do you use a credit card linked to theUPI? If yes, you obviously have a higher propensity to overspend.

We tend to make a Rs.40 worth transaction here or Rs.50 worth transaction there - and as a result, we don't even realise before we end up spending Rs.10,000 or more. Not uncommon? Isn't it?

To avoid this from happening often, it is recommended to keep track of your credit card spending, particularly theones linked to UPI.

1.Debt accumulation and overspending: Unlike a credit card, UPI transactions are more seamless and convenient. You only need toscan a QR code, and it is done. But when you spend more than you can afford to repay in time, you stand to incur additional debt.

2.Maintain a good credit score: When ...