The thrill of easy credit is turning into a quiet financial crisis for a growing number of young consumers in Guwahati.

Credit cards, once seen as a handy backup for emergencies, are now the gateway to high-end gadgets, premium sneakers and the instant gratification that comes with a single swipe.

What once felt like a distant luxury is suddenly within reach. The latest iPhone, limited-edition footwear, branded clothing; everything seems affordable when broken into EMIs.

But behind the shine lies a darker reality - a rising tide of personal debt that many only wake up to when the monthly bill lands like a blow.

For those without steady incomes, the spiral is even harsher. Many admit they swipe even when they have cash, only to realise later that the debt has quietly ballooned.

G. Rajk

See Full Page