There may be huge discounts and easy EMI options on your favourite expensive smartphone, but do not swipe your credit card left, right and centre, warns Rajiv Raj
Getting married has no direct bearing on the credit score of either of the spouses. However it does impact the financial situation and may sometimes impact the credit score of any individual indirectly due to the action of the partner.
In FY24, loans given out by such firms had topped a whopping Rs 146,517 crore, up by 49 per cent year-on-year and spread over 10.19 million accounts (up 35 per cent).
Here are four ways to keep your credit score in the green
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'.
Just like our older generation, you should realise that a penny saved now would come in handy when you need a penny.
Sacrifice these common misconceptions to improve your credit score this Eid
You may think that teenagers and credit cards are a recipe for disaster but before you dismiss the idea give it a second thought.
Sharing your credit card with the spouse has it perks. Read on to find out more!
Swiping your credit card to take that dream vacation? Beware, says Harshala Chandorkar, Senior Vice President -- Consumer Services and Communications!
A bad Cibil credit score can limit your borrowing options; however there are few other options which you can explore for credit.
Your social media profile may soon be your ticket to a loan or a credit card, says Abhishek Agarwal
The much awaited Credit Information Bureau (India) Ltd was launched on Wednesday with a database of 55 consumer credit records which would help creditors to evaluate risks, reduce incidence of defaults and non-performing assets.
Companies don't have to be in the field to nudge people to return money they owe lenders.
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!
Some of the most common grounds on which card issuers reject credit card applications in India, along with tips on how to overcome these hurdles.
If you are wondering what all this is about and why should your wife need an independent score then read on to find out.
Banks would soon be able to determine whether a property is already mortgaged when a borrower approaches them for a loan against it and this would help in checking the increasing instances of housing loan frauds.
Find out how banks and lending institutions decide if you are worth their money based on your CIBIL TransUnion Score and Credit Information Report.
While you go about it, please note that if it is difficult for you to keep your spending habit in check, all the benefits of getting a credit card limit increase will be pointless.
If you want to apply for a job at State Bank of India (SBI), any default on loans or credit card payment will render your ineligible.
Did your bank ever reject your loan application because you were reported falsely for having bad credit history? Tell us.
Credit Information Bureau India Limited has entered into an agreement with 31 leading micro finance institutions to set up a credit information bureau for MFIs.
Making purchases on your credit card can turn out to be a better idea. Here's why.
You require a credit score to get fresh debt and you must have existing debt to get a credit score... Confused? Well, here's how they are related.
Six compelling reasons to use your credit card. WARNING: reckless use of plastic can land you in a debt rap
Follow these if you want to enjoy credit happiness and easy access to finance in the New Year by maintaining a healthy credit report and high credit score
If you are panic-stricken because of your inability to repay even your minimum amount due on your credit card, help is at hand.
If you ever face a situation where your card transaction is declined, it is advisable to call your bank and check with them for the cause. In most cases, unless it's a fraudulent issue, the problems will be resolved on the phone.
Read on to understand the pros and cons of higher credit limit
The Credit Bureau of India (Cibil) is set to launch a credit score database that will reflect the creditworthiness of every borrower in the country.
Stop indulging in these before it derails your financial future
The advice your mother gave you about choosing your friends wisely got a whole new meaning with lenders looking at your social media posts
In order to be eligible for a loan when you really need one, it is imperative to maintain a good credit score. By having a good mix of debt and servicing it regularly, you can maintain a good credit score and be loan ready at all times.
No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches
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.
Documents such as PAN card, Aadhaar card, I-T return papers, which are used for KYC, can get leaked from a number of sources. Other prominent sources are the direct sales agents and photocopy shops, say Sanjay Kumar Singh.
Lenders use these scores only as a preliminary filter.
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