Well, friends, but the problem is in India we can't get credit card if our monthly salary is less than $1000(Rs. 50,000) per month. In some banks, you can try credit card if your salary is at least 15 to 20,000 but anyway it seems it's for only working people, but for other students or unemployed to get credit card is impossible. That's why we are forced to use VCC. I wish they accept Indian bank debit cards which we can have for free.