Welcome to India's first Credit Consultation Centre, 3C, as we call it.

Today, as we look around at the consumer society developing around us, with the credit culture taking root, many of the visitors to our website such as yourself have asked us for inputs on how to manage the liabilities end of their lives. That is why we are launching 3C.

The first thing I would advise you to do is to take financial health check and get yourself a customized financial health report which will help you spot any problems or provide you the comfort that things are okay. The checkup will take you just a few minutes, it is a necessary diagnostic to help understand if at all there is a problem in the first instance.

With the health report, 3C can help you prepare better for the future, help you foresee where there are problems that may not have manifested themselves just yet, identify ways in which we can help correct the situation.

Subscribe to our free weekly 3C newsletter in which we will provide you information about credit cards and loans and help you figure out how to deal with life's situations. We will carry stories about people who have been hounded by the collection agents for no rhyme or reason and who will share with you how they dealt with it. We will also carry stories of people who had genuine issues in not being able to repay and tell you how they got out of a tough spot.

Write to us, ask us any questions you may have and we will find you the answers. Share with us your stories and experiences with various banks and credit card companies, good and bad, and we will publish them.

Because, we are on your side.

S. Swaminathan
Chief Executive