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23 articles found for “cibil”

Credit Cards1 min
Add-On Credit Cards in India — How They Work & When to Get One
Add-on (supplementary) credit cards in India — who can hold them, joint reward earning, the CIBIL implication, and which issuers offer them free.
By Sandhya Rani Chowdary · 15 May 2026
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Money Tips1 min
Credit Utilisation Ratio — Why It's 30% of Your CIBIL Score
Credit utilisation ratio explained — what counts, the 30% rule, the under-10% bonus, and four ways to engineer a lower utilisation without spending less.
By Sandhya Rani Chowdary · 14 May 2026
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Credit Cards1 min
Top 5 Mistakes First-Time Credit Card Users Make in India
Five expensive mistakes new credit-card holders make in India — and the simple habits that protect your CIBIL and your wallet from day one.
By Sandhya Rani Chowdary · 11 May 2026
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Credit Cards1 min
Kotak 811 #DreamDifferent Credit Card Review — Best for Building Credit
Kotak 811 #DreamDifferent Credit Card 2026 review — the lifetime-free secured card built for first-time borrowers and CIBIL-builders.
By Sandhya Rani Chowdary · 8 May 2026
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Loans4 min
EMI Bounce Charges in India — What Happens & How to Avoid Them
EMI bounce charges across major Indian banks and NBFCs in 2026. The cascading penalties, CIBIL impact, and 5 ways to recover from a missed EMI.
By Prasanth Agarwal · 5 May 2026
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Money Tips4 min
How to Check Your CIBIL Score for Free in India — Step-by-Step (2026)
Check your CIBIL score for free — official method, 6 free aggregator routes, what counts as a soft vs hard inquiry, and how to dispute errors.
By Prasanth Agarwal · 2 May 2026
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Loans5 min
Personal Loan of ₹10 Lakh — Compare 15 Lenders
₹10 lakh personal loan — compare 15 lenders on rate, EMI, total cost, and eligibility. Documents, CIBIL requirements, and best banks for ₹10L unsec…
By Prasanth Agarwal · 18 April 2026
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Credit Cards6 min
Secured vs Unsecured Credit Card: What’s the Difference?
Secured vs unsecured credit cards in India 2026 — how FD-backed cards work, who should get one, and the best secured credit cards for building CIBI…
By Sandhya Rani Chowdary · 18 April 2026
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Money Tips5 min
How to Improve Your Credit Score in India (2026 Guide)
How to improve your credit score in India in 2026 — actionable CIBIL-boosting tips, utilisation ratio, payment history, dispute errors, and unlock …
By Prasanth Agarwal · 16 April 2026
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Credit Cards5 min
How to Close a Credit Card in India (Without Hurting CIBIL)
The step-by-step 2026 guide to closing a credit card in India without damaging your CIBIL score. When to close, when to downgrade, and how to get t…
By Sandhya Rani Chowdary · 16 April 2026
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Money Tips6 min
Personal Loan Without CIBIL Score — Is It Possible in 2026?
Can you get a personal loan without a CIBIL score in India 2026? Options for new-to-credit borrowers, secured alternatives, NBFCs that approve thin…
By Prasanth Agarwal · 16 April 2026
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