How can I pay my actual credit card usage?

I have a HDFC Credit card and I am going to pay my dues back but not as per the terms of the bank. I am going to pay it in my own terms for the money I have used, how can I do it? I also do not want to damage my credit report in CIBIL. Please guide me. Thanks in advance.

Which credit card is right for me for online shopping outside India?

I’ve heard people say that they use an SBI credit card. But can I do international online purchases? I’m a student. Is VISA or MASTERCARD a good choice over SBI? Which one do you think I should go for? All I want is to buy things online from India and also from outside of the country.

Bytheway, if you think I should use VISA or MASTERCARD, please mention the exact name of the card. Thanks in advance.

What is PF transfer procedure and how much is for pension%?

My previous company’s deduction from my side, it is nearly Rs.50000/- for PF and same from company side.But transfered amount is only Rs.75000/-.
I asked to my friend regarding this and he is telling that the balance 25 to 27% will be in pension fund,they won’t inform this but it will get transfer along with Rs.75000/-.

Is it true?please give detail regarding this.