Credit score basics: What’s considered bad and how to turn it around
In India a credit score is an extremely important indicator of an individual’s financial health. It influences personal loan approvals, interest rates, credit card eligibility, future loan approvals, applicable interest rates and tenure period. As of May 2025, a credit score below 650 is generally considered poor. It has the potential to limit access to […]
IndusInd Bank Samman Credit Card: Features, eligibility and how to apply
Government employees in India seeking a credit card that provides for cashback, UPI integration and fee waiver opportunities can consider the IndusInd Bank ‘Samman’ RuPay Credit Card. This particular credit card is designed specifically for public sector employees, it combines both traditional credit card benefits along with cutting edge technology facilitating modern digital payment features. […]
Want better loans in Delhi? Here’s how to keep your credit score above 750
In Delhi’s extremely competitive financial landscape, sustaining a reputable credit profile and a credit score of over 750 is quite challenging. It is crucial for accessing favourable personal loan terms, premium credit cards along with other associated credit instruments. A high credit score clearly signifies financial stability, consistency in repayments. It also enhances your credibility […]
How to apply for Axis Bank ACE Credit Card online? A step-by-step guide
Axis Bank’s ACE Credit Card has garnered immense attention for its lucrative cashback offerings and other additional benefits. That is why for all aspirational credit card applicants understanding the online process of application along with the associated terms and conditions is extremely important. Here are several important aspects on how you can apply for this […]
How to apply for Federal Bank Visa Imperio Credit Card online? A step-by-step guide
Digital banking services continue to scale up and gain traction in the country. Following the same objectives of growing and scaling up, Federal Bank has streamlined the process of applying for its coveted Visa ‘Imperio’ credit card. This particular credit card caters to the evolving needs and aspirations of tech savvy customers. The main objective […]
How to keep your credit score over 700? 7 key tips that work
To maintain a credit score higher than 700, so that you become eligible for comfortable terms and conditions on loans and credit cards — it is recommended to take a number of steps. Primarily, one should take all the bills on time. It is even recommended to set an auto pay to ensure that you […]
First home on your mind? Here’s how to build a credit score that opens doors
We are often advised to build a strong financial foundation, and this foundation relies heavily on comprehensive financial education, which includes understanding saving behaviour, investment habits, and seeking credit at the right time. Yet, we are rarely given clear explanations of what terms like ‘credit’ and ‘debt’ truly mean, making them seem intimidating, especially for […]
What happens when you have no credit history — and how to start building one
A credit report is a comprehensive record of your credit-related activities compiled by credit bureaus. It includes detailed information about your existing and past loans, credit card usage, repayment behavior, outstanding balances, defaults (if any), and even the number of times lenders have inquired about your loan application. This document serves as a financial biography […]
Credit card over-limit explained: Charges, impact, and how to avoid it
In the ever-evolving economy of India, credit cards have emerged as an essential financial tool. These cards provide rewards, convenience, flexibility etc., to the respective users. This makes them popular among consumers. Still, while using credit cards, it is also important to be aware of the risks associated with exceeding your credit limit. Going ‘over-limit’ […]
Travelling abroad for foreign vacation? Here’s how to save money on flights, stay and sightseeing
If you’re scurrying to avoid the scalding summer with a foreign vacation, but the astronomical budget is the only thing keeping you from taking one, it’s time for a rethink. With proper research and timely planning, you can cut down expenses on almost every front, be it flight and hotel bookings, commutes, or the spending […]