Credit cards are convenient, but they can affect your finances if you don’t keep them in check. With increasing interest rates and impulse buying, it is so easy to get trapped in the debt cycle. That is where credit card EMIs become useful, helping you to split big payments into smaller, more manageable pieces of money. But to use them effectively, you require transparency. That’s why an EMI calculator becomes your ultimate planning buddy. It tells you right away how much you will pay each month, and whether it will…