#creditscore

  1. D

    Need Credit Card - Salary in Cash Mode (Retail Job, ₹15,000/month)

    Hello everyone, I need some guidance regarding getting a credit card. I work at a retail shop where my salary is paid fully in cash. I earn around ₹15,000 per month. Although the salary is in cash, I regularly deposit money into my bank account — sometimes ₹10,000, sometimes ₹40,000, sometimes...
  2. Monu Gautam

    I want to get a new credit card

    I want to get a new credit card... which one would be the best with great features? My current CIBIL score is 753, and I want to improve it further. Please suggest the best credit card with just a ₹10,000 limit."
  3. A

    How many apps we can check Credit score powered by CIBIL ?

    Hi , I want to know how many apps are providing us free Credit score which is powered by Transunion CIBIL only . Not Experian , Equifax or Crif Highmark. Please suggest only the apps or websites , who are providing CIBIL score for free.
  4. S

    Swipe Now, Regret Later? 💳❌

    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...
  5. T

    Secured Credit Card FD

    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?
  6. O

    CIBIL SCORE DROPPED

    Hello everyone i am using a credit card on which i pay the bill on the date when the bill is generated but i dont know why still my credit score is dropping down and see my spending is like below 30% of limit of my credit card but in the last month when my bill was generated i paid on the same...
  7. Z

    Does buying things on credit card EMI affect your credit score?

    I made a purchase of 73k as a 24 months EMI using my credit card which has an 100k Limit. Now the EMI's per month will be approx 3.6k which is less than 30% of my credit limit but the total credit blocked from card is 73k which is roughly 73% od my credit limit. Will it impact my credit score?
  8. N

    How to boost score

    Now my score has dropped from 746 to 726 and I do not know how this happened. Before the score dropped I did not have any credit card, I was just on loan... and the score dropped The next day I got a pre-approval card through the bank and I don't know how my score dropped....now how do I boost...
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