A credit score or CIBIL score is one of the essential parameters through which banks and lending institutions assess a prospective borrower’s financial health. Lenders use this information to assess how effectively applicants can manage their credit, which influences their decisions on granting loan approvals. A higher score can make it easier to get sanctions for new loans and other types of credit at competitive rates of interest as compared to a low credit score. In this article, we delve into understanding the credit score range and what it means to the lenders and how one can improve a low credit score.
What is a Credit Score?
A credit score or CIBIL score is the summary of your credit history in the form of a three-digit figure ranging from 300 to 900. It is generated by credit bureaus like TransUnion CIBIL, Experian, Equifax and CRIF High Mark by assessing your credit reports.
A credit score of 750 considered ideal. Individuals with such a credit score can have a better chance of borrowing higher loan amounts with the best possible rates and terms. Contrarily, a lower score may fetch you loans of a smaller principal amount and higher interest rates.
The following table displays the CIBIL score range:
Your CIBIL Score | How it translates to the lender |
---|---|
800-900 | An excellent score range that Indicates that you have never defaulted on your EMI and credit bill payments. |
750-800 | A very good CIBIL score with which you can negotiate and bargain on your interest rate. |
625-750 | You have a decent credit history with very few irregularities. You may get a loan but at a higher interest rate. |
300-625 | This score indicates high frequencies of defaults and irregularities. You may find it very difficult to get a loan unless you improve your CIBIL score. |
Note: The CIBIL Score Range is defined as per the industry standards.
Also Read: What is CIBIL Score and How It Works
Importance of a Credit Score for a Credit Card
Just like any other form of credit, when you apply for a credit card, lenders will look up your credit score to examine your creditworthiness and ability to repay debts on time before approving your application. Credit cards can also be used effectively to improve your credit score.
How Credit Cards Affect Your Credit Score
Credit cards can enhance your monetary well-being by boosting a failing CIBIL score. Banks and financial institutions primarily rely on CIBIL scores to determine eligibility for issuing loans or credit cards to customers. Whether you have a low or nil credit history, using a credit card wisely can elevate your credit rating.
Also Read: Boost Your Credit Score by Minding the Factors that Affect It
7 Tips to Increase Your Credit Score with a Credit Card
There are several ways to use credit cards to improve your credit score. If you already own one or even a few of them, bear in mind the following considerations:
1. Make Credit Purchases Smartly
Most people prefer using credit cards to make expensive purchases intending to pay them off later. At times, this can have negative consequences if repayments are not made on time thereby affecting the CIBIL score. Therefore, it’s best to budget smartly and initiate cash transactions whenever possible to avoid exhausting the credit limit. This way you can keep your card usage to a minimum and achieve a favourable credit history with realistic money management.
2. Pay Bills with a Credit Card
You can regularly pay internet bills, phone bills, and utility bills like water and electricity with a credit card to create a positive credit history and bolster your CIBIL score. Since these expenses are much lower when compared to buying material goods, the resultant credit card dues can be comfortably paid off.
3. Make Regular Repayments
Even if you cannot clear the entire amount outstanding on a credit card, try to pay the minimum amount due on or before the due date. Paying off credit card debts, as much as possible, can increase your CIBIL score quickly qualifying you as a low credit risk.
4. Set Repayment Reminders for Your Credit Card
A regular repayment schedule can work wonders for your credit rating. Credit card users should always pay their credit dues on time. Delays in payments or pending dues may attract penalties that can cause a dip in your CIBIL score. Hence, set reminders for EMI payments so that you don’t miss out on any instalments.
5. Maintain Older Credit Cards
Past credit history that spans a longer period of time can strengthen your credit profile. So, retain old credit cards to build a sound credit history and raise your credit score, and pay your credit bills in full and on time.
6. Increase Your Credit Limit
Your credit utilisation ratio plays a significant part in supporting a good credit score. Restricting credit usage based on your allotted limit can increase your score. But once you overstep the limit, it has the opposite effect of reducing your credit score. This can be managed best by requesting your lender to customise the credit limit according to your expenses.
7. Check Your CIBIL Report for Errors
Sometimes, there could be mistakes, incorrect information, or a delay in updating details in your credit records, which may potentially bring down your credit score. Hence, check your CIBIL score periodically to identify possible errors and rectify them by submitting a CIBIL Dispute Resolution form online.
It is vital to maintain a good credit score even after you secure a loan. But if your credit score is already on the lower side, you can follow these practical tips to improve your CIBIL score.
Also Read: Important Things Might Go Wrong with Your CIBIL Report
The Dos and Don'ts of Credit Card Usage
Here are certain do’s and don’ts that you should be aware of in order to make the most of your credit card:
Do’s of Credit Card Usage
Pay Your Balance in Full: Always try to pay off your credit card balance in full each month to avoid accruing interest charges.
Set up Payment Reminders: Ensure timely payments by setting up reminders or automating payments to avoid late fees and potential credit score impacts.
Monitor Your Statements: Regularly review your credit card statements for unauthorised transactions or errors, promptly reporting any discrepancies to your card issuer.
Keep Credit Utilisation Low: Aim to use only 30% of your total credit limit to maintain a healthy credit score and demonstrate responsible borrowing behaviour.
Don’ts of Credit Card Usage
Don’t Miss Any of Your Payments: Avoid missing credit card payments as it can lead to late fees, penalty interest rates, and negatively impact your credit score.
Don't Overuse Your Credit: Avoid exhausting your credit limit. Keeping your credit utilisation ratio below 30% helps maintain a good credit score and shows responsible financial management.
Don’t Apply for Credit Cards if Not Required: Avoid applying for multiple credit cards if not required. It's important to assess your financial needs carefully and consider the implications of each card before applying, ensuring they align with your financial goals and ability to manage responsibly.
Summing Up
A credit score is important for loan approvals and interest rates. Scores range from 300 to 900, with higher scores indicating better creditworthiness. Managing credit cards wisely, like paying bills on time, and maintaining low balances can improve scores. Regularly monitoring and correcting errors in your credit report also helps maintain a healthy score.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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An Essential Guide to Refinancing a Home Loan