I have just made my first purchase using EMI on credit card. I know there are extra charges on it. They are charging interests as well as extra processing fee and there are cess etc.. there on each EMI. So, if I makes another EMI purchase through credit card, will it affect anything in my CIBIL record ? I pay my credit card payment always in time but is it bad to have so many loans (essentially this is a loan for me) if I buy something on EMI through credit card.

Please tell me what do you think ?