Every time I visit the local supermarket/hypermarket to buy the monthly grocery supplies, there are a few credit card agents waiting at the exit who promptly approach me and check how much my bill was. And if it happens to be a reasonable sum, they are quick to offer an on the spot credit card with minimum documentation and a lot of offers – free shopping vouchers at the supermarket, low interest rate, free balance transfer , high credit limit etc. And, you don’t really need to put a lot of effort except sign the form and produce whatever documents you are carrying at the moment. But before you succumb to the agents’ marketing skills and buy a card, understand and keep these things in mind-

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