Score ek number hai jo batata hai ki bank aap pe kitna bharosa kar sakta hai.
CIBIL score 300 se 900 ke beech hota hai. Zyadatar banks 750 ya usse upar ko achha maante hain.
600 se neeche card ya loan milna mushkil ho jaata hai.
Score ka 35% hissa sirf isi baat pe hai ki aapne time pe paisa bhara ya nahi.
Ek bhi missed payment kai mahine tak dikhta rehta hai. Isliye auto-debit laga do — yaad rakhne ka bharosa mat karo.
Credit utilisation score ka 30% hai. Limit ka 30% se kam use karo.
Limit ₹1,00,000 hai to mahine me ₹30,000 se neeche rakho. Zyada kharch karna ho to bank se limit badhwa lo — utilisation apne aap gir jayega.
Credit history ki lambai score ka 10% hai. Aapka sabse purana card aapki sabse lambi history hai.
Use band karoge to history chhoti ho jayegi, aur total limit bhi ghategi — matlab utilisation badhega. Do tarah ka nuksaan.
Aap saal me ek baar apni poori credit report muft le sakte ho — cibil.com se.
Usme kabhi-kabhi galtiyan hoti hain: bhara hua loan "chalu" dikhta hai, ya koi account jo aapka hai hi nahi. Ye galtiyan score gira deti hain, aur inhe theek karwaya jaa sakta hai.
Cards dekho →