#credithistory

We often think using credit cards means financial freedom, but did you know excessive swiping can actually hurt your credibility? Over-reliance on credit not only raises your debt-to-income ratio but can also lower your CIBIL score, making future loans harder to get. Do you agree that too much...

I got RBL easysaver credit card 2.5 years back at 500 anual fees and limit of 35000. I currently don't use much. Very rarely when i make some electronics purchase i use it to convert payments into emi. I don't know how it's reward system works. I feel it is useless for me as this year i...

What if I get myself a secured credit card against a FD and after building a good credit score I wish to Break the FD. Will the credit card be surrendered? If yes then will this impact my credit history?