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80 Results Found
  • Don't have a credit score? Your education and job profile can still get you a home loan Jun 15, 2021 09:40 AM IST

    Don't have a credit score? Your education and job profile can still get you a home loan

    A good degree, high salary, regularity in making investments and prudent spending habits can help you get a loan even without a credit score

  • Why your credit score can fall despite paying your card dues and loans on time May 21, 2021 10:41 AM IST

    Why your credit score can fall despite paying your card dues and loans on time

    Making multiple credit enquiries within a short span of time can lead to a significant decrease in your credit score

  • Why credit scores alone may not be the best way to assess loan borrowers May 19, 2021 10:19 AM IST

    Why credit scores alone may not be the best way to assess loan borrowers

    While the credit score helps gauge the risk based on credit history, credit mix, payment history, and new debt if any, it offers no help in appraising the repayment capability of first-time loan applicants

  • Never had a loan or credit card? Your credit score may still not look great Mar 02, 2021 10:10 AM IST

    Never had a loan or credit card? Your credit score may still not look great

    Not having a borrowing history and signing as a guarantor can pull down your scores. Here are five common myths on credit scores dispelled for you

  • How many credit cards should you have? Dec 30, 2020 09:35 AM IST

    How many credit cards should you have?

    You can own more than one credit card, depending on your needs. But make sure you pay your dues on time

  • SBI report on rising online credit card usage: How to avoid a debt trap Dec 15, 2020 10:13 AM IST

    SBI report on rising online credit card usage: How to avoid a debt trap

    A recent report from State Bank of India suggests a massive rise in online credit card usage. If used carelessly, credit cards can wreck your finances

  • 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

  • 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.

  • 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.

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