Credit Score

Debt rarely feels dangerous at first. These five warning signs reveal when EMIs and credit cards quietly start controlling your finances.

Should you close an unused credit card? What it can do to your credit score

A simple decision that can quietly push up your utilisation ratio, shorten your credit history, and shave points off your score when you least expect it

RBI rules made credit score updates faster in 2025: What to expect in 2026

RBI's 2025 reforms mandate bi-weekly credit reporting, reducing update lag from 30-45 days to 15 days. Weekly updates from July 2026 aim to improve credit transparency and accuracy.

Credit utilisation ratio: The lesser-known number that drives your credit score

Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

Why a 750 plus credit score quietly saves you money every time you swipe

Good credit is not about bragging rights, it is about paying less for the same card.

What really goes into your credit score and why it changes so often

A simple, human explanation of how lenders judge your financial behaviour behind the scenes.

Why your credit card application failed even with a solid credit score

You checked your score, felt confident, applied for the card and still got rejected. If that left you confused, you are definitely not the only one.

Why your credit score refuses to move up

If your credit score is stuck below 500, chances are it is not bad luck but a few repeat mistakes quietly pulling it down.

How to turn a strong credit score into a lower-interest loan in 2025

A good score opens the door. Getting the best rate depends on timing, profile clean-up, and how you negotiate

How your credit score shapes the way you buy, insure or lease a car

From loan approvals to insurance premiums, your score sits quietly behind many decisions.

Is a Rs 60,000 credit card balance risky for your credit score?

Why the number matters less than how much of your limit it occupies.

Why your credit score may be falling even when you think you’re doing everything right

Most score drops don’t happen suddenly — they build quietly through everyday financial habits.

How to check your credit score and spot suspicious inquiries in your report

Your credit report is like a financial diary — reviewing it frequently keeps surprises away.

Will a new loan reduce your credit score? Here’s how the impact truly works

Why taking fresh credit doesn’t always harm your score — and when it can.

How to build a strong credit score without ever using a credit card

Why a good credit record is possible even without swiping a single card.

What closing a personal loan really does to your credit score

A loan closure can nudge your score up or down depending on timing, repayment history and what else is in your credit file. Here’s how it actually works.

Improved credit score? RBI rule change can help you slash your home loan EMI faster

A recent change in RBI rules means home loan borrowers with improved credit scores no longer have to wait three years to ask their bank for a lower interest rate.

Why your credit score matters more than you think — from your 20s to your 60s

A practical look at why your score starts mattering long before you plan a home loan — and continues to matter long after you think you’re done borrowing.

How to plan a big fat wedding without ruining your credit score

A simple guide to planning wedding spending without harming your future creditworthiness.

Want to boost your credit score? Your credit mix might be the secret

Having different types of credit isn’t just about borrowing—it’s about showing lenders you can handle money smartly and responsibly.

When a great credit score isn’t enough for a loan approval

Banks look beyond your credit score — from job stability to income mix — before trusting you with new credit.

No credit score? No problem! Here’s how you can still get an education loan

A practical guide to securing funding for your studies even without a strong credit history.

Buy now, pay later: How BNPL influences your credit score

Understand how short-term credit apps affect your borrowing history and future loans

Small moves, big impact: Keep your credit score over 700

A high credit score helps you qualify for loans faster, get lower interest rates, and access higher credit limits. Here’s how to maintain it consistently.

How to spot and fix credit report errors before they hurt your score

A clear, step-by-step guide to spotting mistakes in your credit file, getting them corrected and protecting your financial health.