There is a problem with the Indian bank cards. In India, we have two cards. One is a debit card and another is a credit card. My proposal is very simple – merge debit and credit card. Two cards don’t make any sense. There should be only one card. One card should act as a credit and debit card. So when a person wants to buy a good or service on credit then he can use the same card at the time of buying on cash (actually card).
I think it is doable.
(Source: Wikimedia Commons)
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