Credit Scores
Should you pay to fix your falling credit score?
Paid credit services promise to explain falling scores, flag unfamiliar accounts and offer personalized guidance. But when does that advice add enough value to justify the fee?
6 min read9 Sep 2026Credit card balance transfers affect your credit score, experts say; here's what borrowers should know
Credit card balance transfers can lower interest costs but may temporarily affect your credit score through hard inquiries and new accounts. Experts explain why repayment discipline, lower credit utilisation and avoiding repeated transfers are essential for maintaining a healthy credit profile.
2 min read1 Aug 2026How balanced credit mix improves credit score, boosts loan eligibility, say experts
A healthy credit mix can improve your credit profile by showing responsible borrowing behaviour. Here's how secured and unsecured loans, timely repayments and low credit utilization influence credit scores constructively and help borrowers access better financial opportunities.
3 min read27 Jul 2026Credit card devaluation explained: 5 steps to protect rewards and maximize credit card benefits
Reward points can lose value faster than you think. Credit card devaluation can reduce benefits, cashback and redemption options. Regularly redeeming rewards, tracking issuer updates and reviewing card benefits can help cardholders maximise rewards and maintain strong financial health.
2 min read22 Jun 2026Credit utilisation ratio: How CUR impacts your credit score and what you can do to improve it
Unlock financial control with a clear understanding of the credit utilisation ratio, a key factor that shapes your credit score, influences lending decisions, and supports strong financial health through disciplined credit use and timely repayments.
2 min read27 May 2026What does a credit score enquiry really mean for you?
A lender just accessed your credit report. Before you panic — or ignore it — here's what a credit enquiry actually means for your score and your financial life.
5 min read26 May 2026Secured credit cards: Unlocking credit and building a credit score for millions
If you are struggling to get a credit card due to income or age restrictions, there is a way out. Secured credit cards, which are backed by fixed deposits, offer underserved populations a pathway to financial inclusion.
3 min read21 May 20266 reasons why first-time borrowers find it tough to maintain a healthy credit score
First-time borrowers often damage their credit score due to poor awareness, high utilisation and missed repayments, making disciplined financial planning essential for building a strong and sustainable credit profile.
3 min read16 Apr 2026How the new credit reporting cycle will rewire loans, EMIs and approvals
Weekly credit reporting is turning India’s loan approvals into near real-time decisions—tightening discipline, curbing risky borrowing, and reshaping how lenders judge you.
3 min read7 Apr 2026Bengaluru digital arrest scam: Elderly woman loses ₹38 lakh to cyber fraud – 5 lessons to keep yourself protected
Digital arrest scam exposes how fraudsters use fear and fake authority to steal money, highlighting key warning signs and essential safety steps to protect finances from cybercrime threats.
2 min read17 Mar 2026Wait for it…
Oops! Looks like you have exceeded the limit to bookmark the image. Remove some to bookmark this image.