Dream big to realise your potential

I am a credit card enthusiast. I often browse through credit card offerings to see if there are better cards than what I currently have.

Earlier in 2024, I got the Infinia credit card from HDFC Bank. This is sort of like “winning” the credit card game. There is no clearly better card an Infinia holder can upgrade to. (While there may be more beneficial cards for some people based on their spend patterns, it’s hard to do better than Infinia for most people.)

My “credit card optimisation” game pretty much ended when I got the Infinia, with me winning the game. However, I still habitually explore other credit cards every now and then. As expected, such explorations end with a reaffirmation of what I already know: there aren’t many cards I can upgrade to. The time spent looking at credit cards is wasted time, more or less.

But why do I still look at credit card options even when I know it’s not a productive use of my time? I think it’s because I don’t have anything more productive to do.

This is where the advice to “dream big” shines through. Dreaming big and working towards achieving those dreams is an effective way to realise your potential. Had I dreamt of doing something more meaningful than simply collecting credit card rewards, I wouldn’t be wasting time now browsing credit card brochures.