How Dormant BNPL Limits Affect Your Credit Utilisation Ratio
You have a strong score and multiple cards. But CIBIL doesn’t just check your overall utilisation. It checks each card individually. One card sitting at …
Pay Before Statement Date to Reduce Credit Utilisation Ratio
You’re in the 600s or low 700s, and your card balances are the biggest thing holding you back. A salary hike gives you a rare …
How to Dispute a CIBIL Error Online and Improve Your Credit Score
You pay every bill on time. Your score is above 750. But a loan you co-signed for a sibling or parent could be dragging it …
Why Paying Only the Minimum Due Keeps Your Credit Score Low
You’re in the 600 to 750 range and actively watching your score. Some months it climbs 15 points; other months it drops for no obvious …
