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  • Overspent on your credit card this Diwali? Here’s how you can reduce your debt Nov 24, 2020 11:12 AM IST

    Overspent on your credit card this Diwali? Here’s how you can reduce your debt

    Diwali’s excitement may have led some of us to go overboard on spending. But if you have already overspent this festive season, there are ways to limit the burden

  • How to build a good credit profile during these challenging times Oct 27, 2020 09:48 AM IST

    How to build a good credit profile during these challenging times

    You must ensure that you make loan repayments regularly, as the moratorium period has ended

  • Festive spending: Smart credit card moves to avoid debt traps Oct 20, 2020 09:50 AM IST

    Festive spending: Smart credit card moves to avoid debt traps

    You must always factor in your repayment capacity within the next due date before making credit card spends

  • The pros and cons of paying credit card bills through third-party mobile apps Sep 29, 2020 09:42 AM IST

    The pros and cons of paying credit card bills through third-party mobile apps

    Stay alert to breach of financial data and when you redeem cashback offers while shopping from partnering merchants

  • Why your credit score differs across bureaus Sep 10, 2020 09:29 AM IST

    Why your credit score differs across bureaus

    Due to processes internal to a credit bureau, a data point may be rejected or missed

  • Why EMIs on your repo-linked loans aren’t falling despite rate cuts Sep 03, 2020 11:25 AM IST

    Why EMIs on your repo-linked loans aren’t falling despite rate cuts

    Bad credit scores attract higher interest rates

  • How to get your credit report in a language of your choice Aug 25, 2020 11:58 AM IST

    How to get your credit report in a language of your choice

    Language has often been a barrier for many loan customers

  • Those who opt for moratorium should not apply for fresh loans: TransUnion CIBIL Jun 29, 2020 10:20 AM IST

    Those who opt for moratorium should not apply for fresh loans: TransUnion CIBIL

    We expect a drop in approval rates for all major retail products

  • 4 factors that may hurt your credit score despite the loan moratorium Jun 16, 2020 08:52 AM IST

    4 factors that may hurt your credit score despite the loan moratorium

    Every time you skip an EMI or a credit card payment, your scores get impacted

  • Credit card usage: How to teach your child prudence in money matters Mar 16, 2020 08:53 AM IST

    Credit card usage: How to teach your child prudence in money matters

    Spending power in the hands of a child may appear risky. But if done with proper safeguards, there are life-long learnings for the youngster

  • Uncleaned credit cobwebs of the past could muddy future loan prospects Jan 28, 2020 09:08 AM IST

    Uncleaned credit cobwebs of the past could muddy future loan prospects

    In several instances, the borrower gets to know of the impaired credit history only while applying for a new loan

  • Personal and consumer durable loans have surged due to instant credit offered by fintechs: Experian Dec 06, 2019 09:00 AM IST

    Personal and consumer durable loans have surged due to instant credit offered by fintechs: Experian

    We have seen borrowers taking multiple loans for specific needs such as travel, lavish marriage, medical emergency, etc.

  • Repo-linked loans:Want lower rates? Improve your credit score Oct 18, 2019 10:17 AM IST

    Repo-linked loans:Want lower rates? Improve your credit score

    A borrower should maintain a credit score of 760 and above throughout the tenure of the loan to get lower interest rates

  • What a credit report says about your borrowing history Sep 06, 2019 09:12 AM IST

    What a credit report says about your borrowing history

    A credit report is a very valuable document which can make or break your chances of availing a loan.

  • Applying for a home loan? Avoid these mis-steps Sep 05, 2019 09:18 AM IST

    Applying for a home loan? Avoid these mis-steps

    Lenders prefer customers with stable or predictable cashflows

  • Easy credit can derail students’ money lives Aug 29, 2019 11:57 AM IST

    Easy credit can derail students’ money lives

    The SlicePay card offers no-cost EMIs of up to six months when you buy products from select merchants through the app

  • ‘Customers prefer co-branded cards in popular categories such as airline, fuel and retail’ Jul 30, 2019 09:34 AM IST

    ‘Customers prefer co-branded cards in popular categories such as airline, fuel and retail’

    Every credit card may have a different due date and credit limit, so one can leverage it to the maximum. These are choices customers need to make based on their lifestyle and usage.

  • Self-employed? Four steps to ensure your home loan application is accepted Jul 02, 2019 10:06 AM IST

    Self-employed? Four steps to ensure your home loan application is accepted

    You can improve your chances if you make a higher down payment while purchasing a home, show substantial savings and have a good credit score.

  • How to protect your credit score while using multiple credit cards Apr 28, 2017 11:08 AM IST

    How to protect your credit score while using multiple credit cards

    If you have multiple credit cards, you need to manage each of their payment cycles systematically.

  • Why you must have a credit score Apr 21, 2017 11:11 AM IST

    Why you must have a credit score

    If your credit score is zero, it means you do not have a credit history. With no credit history, banks have no data to assess your repayment behaviour and you will be profiled as a ‘risky’ prospect.

  • Want to maintain a high credit score? Here is how to do it? Apr 12, 2017 02:19 PM IST

    Want to maintain a high credit score? Here is how to do it?

    There are various factors that influence a credit score, major being - payment history, credit utilization ratio, length of credit history, type of credits (secured v/s unsecured) and number of inquiries.

  • About 92% of Indian credit card users pay their bills on time: Cibil Survey Apr 11, 2017 05:31 PM IST

    About 92% of Indian credit card users pay their bills on time: Cibil Survey

  • Need a loan? Cibil can now help you find the best suited product Mar 31, 2017 04:16 PM IST

    Need a loan? Cibil can now help you find the best suited product

    About 20-35 percent of the near 40,000 consumers of Cibil have paid off any balance dues after checking their score.

  • Seven credit card mistakes to avoid Mar 21, 2017 02:48 PM IST

    Seven credit card mistakes to avoid

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