Authors & Reviewers

The writers and reviewers behind BesCa's guides and glossary.

Velu Phule

Finance Content Writer

Finance content writer with over 6 years of experience in the BFSI sector, specialising in credit cards, credit scores and loans.

Anup Poojary

Editor & Content Reviewer, BesCa

Reviews BesCa's credit card and finance guides for editorial accuracy, practical clarity and consumer relevance, with hands-on experience across fintech products in credit, lending and banking.

Know your rights

Banks cannot send you a credit card you didn't apply for. If they do and bill you, they must reverse the charge AND pay you twice that amount as penalty, automatically, no questions asked.