Sacrifice these common misconceptions to improve your credit score this Eid
Because a settled account will do more damage to your credit history than you can imagine.
Here are four ways to keep your credit score in the green
The country's largest lender State Bank of India on Monday said it has reduced interest rates on home loans by up to 10 basis points (bps) and is offering loans starting from 6.70 per cent rate. The new rates are based on loan amount and CIBIL score of the borrower, and are available till March 31, 2021, according to a statement. The bank said the home loan interest rates will start from 6.70 per cent for loans up to Rs 75 lakh and 6.75 per cent for loans in the range of Rs 75 lakh-Rs 5 crore.
Paying just minimum amount due? Closed your oldest credit card? Have never accessed your CIBIL report? You could be in trouble :(
It all begins with a little overspending on the credit card, and before you know it, you find yourself being sucked into a debt trap. You may think you have a debt pay off plan, but think again!
Rajiv Raj tells you why a store credit card is not a good idea, even though you are tempted with extra 'savings' of 10 per cent on your purchase or a 5 per cent cash back or a 'sign on bonus'.
Your social media profile may soon be your ticket to a loan or a credit card, says Abhishek Agarwal
Co-signing a loan is a huge responsibility and can impact you greatly. Here's what you need to know before your generous streak gets the better of you!
Building your credit from scratch during your post-graduation years is a good idea because it gives you the opportunity to build a solid foundation for your credit history. Here's how to go about with it.
No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches
Warning: These tips are not for those who are already in a debt trap or struggling to meet expenses.
A mortgage is a great responsibility that you must bear on able shoulders for a long period of time. If you already have a mortgage or are planning to avail of one soon, you are obviously confident of your finances, but a few tips to save money on your home loan couldn't hurt, right? Read on to find out more!
Some simple tips can help you in better understanding of your CIBIL Report.
A six-point checklist to follow when lenders reject your home loan application.
An error does not become a mistake until you refuse to correct it. Errors in your CIBIL credit report can become costly mistakes if you do not rectify them in time. So next time you get your CIBIL report, do not just see the score and tuck it away.
If you are a compulsive credit card user and are at a loss about how to regulate your credit card spend, here is help at hand!
These myths can cost you a bomb!
Some leading private and foreign banks in the country have started checking scores of credit information companies such as Credit Information Bureau Ltd as part of their pre-employment screening process.
Tempted? Good. Now read this!
There are four distinct advantages the most important being getting a good credit score
You may think that teenagers and credit cards are a recipe for disaster but before you dismiss the idea give it a second thought.
Sometimes being a good borrower and repaying your loans before time can also lead to a drop in your credit score
If you're considering settlement as a solution to end your debt problems, take a step back and consider the risks associated with such settlements.
Join Rajiv Raj of Credit Vidya on how you can get good CIBIL score and home loan rates at 4.30 on Rediff ZaraBol.
Instant approval, no due diligence, conversion to easy-to-pay EMIs, nominal processing fees are some of the reasons why credit card loans are better
How and why too many credit inquiries can hurt your CIBIL score and hence make lenders wary of lending to you
Being careless with money is often associated with bad financial habits. If you are not aware of what these bad habits are, here is a list that could well serve as a caution.
Six compelling reasons to use your credit card. WARNING: reckless use of plastic can land you in a debt rap
Here are some pointers that should serve as red flags for you
Read on to understand the pros and cons of higher credit limit
If you are panic-stricken because of your inability to repay even your minimum amount due on your credit card, help is at hand.
Credit cards, if used properly, can be a great way to build one's CIBIL score.
The advice your mother gave you about choosing your friends wisely got a whole new meaning with lenders looking at your social media posts
Do you save to spend or spend to save? If you belong to the second category, reward points can only harm your financial health.
In an online chat with readers on October 14, Anil Rego answered their credit card queries.
If you are the owner of multiple credit cards, here are some dos and don'ts you need to know about credit card management.
You can still save a little more than you already are by changing a few spending habits.
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