However, while digital rent payments offer convenience, many consumers remain unaware of how these transactions can affect their overall financial health. "Online rent payments are about much more than convenience. Delayed credit card payments, carrying forward outstanding balances, or paying only the minimum amount due can increase credit utilisation, an important parameter that credit bureaus consider when assessing an individual's creditworthiness. India's credit ecosystem is also expanding rapidly, with the country's credit card base crossing 110 million cards, reflecting greater adoption of credit for everyday expenses. Treating rent like an EMI: Why consistency mattersExperts also stress the importance of maintaining consistency in rent payments.