Silent debt's main sources include credit cards, Buy Now, Pay Later (BNPL), digital micro-loans, and lifestyle EMIs.
With over 11 crore active credit cards and digital credit hitting ₹97,000 crore in just six months, experts warn this could make it harder for young people to get future loans.
To stay on track, they suggest paying off high-interest debts first, sticking to a budget, limiting new borrowing, and checking your credit report regularly.