I am going to pay my First credit card.As I am in the HDFC ecosystem i will be using PayZapp.
Is there anythings i should keep in mind Before..
Hello there @Shivam.
Since I’m already in the HDFC ecosystem I think I am ready to answer your question,
I used PayZapp for it. Before hitting that pay button,
I made sure a few things were in place. First, I waited for the bill to be generated—paying before that can sometimes mess up the billing cycle. Inside PayZapp,
I navigated to
Bills & Recharge → Financial Services → Credit Card Payment,
selected HDFC Bank, and entered the 16-digit card number (always double-check the last 4 digits, just to be safe).
When choosing the amount, I went with the Total Due—not falling into the Minimum Due trap, because interest on the balance is just not worth it. I used HDFC UPI for the transaction to avoid any glitches or delays (non-HDFC methods can be a bit iffy).
UPI daily limits (usually ₹1L) were on my radar too, so I made sure the due amount was within that. Once the payment went through, I saved the transaction receipt—proof is peace. I also made it a point to pay 2–3 days before the due date, just to avoid any last-minute surprises. Honestly, setting a reminder or enabling auto-pay going forward seems like the smart move.