Credit Score: How hard inquiries affect your credit report and how to avoid them
Credit score might be one of the most critical figures in any adult’s life. It reflects your borrowing and repayment habits, as documented in your credit history. Among the factors influencing your credit score are hard inquiries, often misunderstood but can significantly affect your financial standing. Let’s delve into what hard inquiries are, how they […]
How to apply for a credit card online and offline? A step-by-step guide
Credit cards provide you a variety of exclusive offers designed specifically according to your lifestyle and needs. From discounts on hotels and flight bookings to great deals on restaurants and premium brands, credit cards have everything in store for you. However, you must also understand that increased usage of credit cards can make you form […]
Credit Cards: How to manage multiple cards without hurting your credit score? Here are 11 key strategies
Many people buy credit cards to earn rewards and cash back and benefit from the same. Undoubtedly, they are a great choice for people who can manage them. However, a lot of people struggle with missed deadlines and managing multiple cards at once seamlessly. Credit cards can be managed easily with the right strategies and […]
How to educate your children about CIBIL score? Here are 6 steps
Children should be taught about responsible financial behaviour, which also includes the concepts relating to credit score, also known as CIBIL score. While teaching children about money matters, you should emphasise the significance of paying bills on time, and importantly not taking more debt than you can afford. As you discuss with them, you should […]
CIBIL: How to check credit score without a PAN card? MintGenie explains
In order to check the credit score from a credit bureau such as CIBIL, one requires to enter PAN, or Permanent Account Number, which is linked to the bank accounts and primarily used as an identity document for income tax-related purposes. Notably, one doesn’t necessarily need a PAN card to check their credit score in […]
How to check CIBIL score for free? A step-by-step guide
CIBIL score, which ranges from 300 to 900, signifies borrowers’ creditworthiness. Banks and other financial institutions use these scores as one of the factors to determine their eligibility for loans. It is, therefore, considered important to check the score which can help you monitor your financial health. One can check their CIBIL score on the […]