How Post-Appraisal Spending Can Hurt Your Credit Score
You got a raise. That’s real progress. But if your first move is a ₹40k to ₹60k purchase on your credit card, your score could …
High Credit Utilisation Ratio Could Lower Your Credit Score
You’re in the 600s or low 700s, and your card balances are the biggest thing keeping you there. Utilisation counts for 30% of your CIBIL …
How One Missed EMI Can Drop Your Credit Score by 50 to 100 Points
A missed EMI pulled your score down. If you’re in the 500s right now, that one missed payment likely cost you 50 to 100 points. …
How BNPL Usage Can Negatively Affect Your Credit Score
If you’re using LazyPay, Simpl, or Amazon Pay Later regularly, your CIBIL score is being affected right now. Most people don’t realise BNPL counts as …
