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Sometimes, taking a closer look at your credit cards is essential for maintaining a healthy financial balance. There may come a time when a particular card no longer feels useful. Perhaps you are paying annual charges for a card you rarely use, worried about the risk of debt building up, or think that the original purpose of having the card has already been served. In such cases, keeping the card may no longer be practical, and closing it becomes a reasonable step.
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Just as colleges issue mid-term report cards to assess a student’s academic progress, and financial institutions use credit reports to evaluate financial risk, every citizen in India is issued a Permanent Account Number (PAN) card as a crucial civic and financial identity document.
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School marksheets, credit reports, and other records often use special ID numbers to keep track of personal details and allow secure access to services. In India, the PAN card is one such necessary ID. Issued by the Income Tax Department, it links all your financial activities to a single unique number and is used in banking, tax-related work, and other official processes.
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