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106+ expert guides on credit cards, loans, insurance, and investing in India. Written by the OnePaisa editorial team.

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13 articles found for “cibil”

Credit Cards4 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 OnePaisa Editorial Team · 11 May 2026
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Credit Cards3 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 OnePaisa Editorial Team · 8 May 2026
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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 OnePaisa Editorial Team · 5 May 2026

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 OnePaisa Editorial Team · 2 May 2026

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 OnePaisa Editorial Team · 18 April 2026

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 OnePaisa Editorial Team · 18 April 2026

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 OnePaisa Editorial Team · 16 April 2026

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 OnePaisa Editorial Team · 16 April 2026

Credit Cards6 min

What Happens If You Don’t Pay Your Credit Card Bill? (India)

Missed your credit card payment in India? Here’s exactly what happens — late fees, interest, CIBIL impact, legal action, and how to recover your sc…

By OnePaisa Editorial Team · 16 April 2026

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 OnePaisa Editorial Team · 16 April 2026

Credit Cards5 min

Credit Card Limit: How It’s Decided & How to Increase It (India)

How Indian banks decide your credit card limit — and the 5 proven ways to get a higher limit in 2026. CIBIL, income, utilisation, and retention tac…

By OnePaisa Editorial Team · 14 April 2026

Credit Cards5 min

Best Credit Cards for Beginners with No Credit History

The best credit cards for first-time users in India with no CIBIL history in 2026. Secured, FD-backed, and easy-approval options — plus how to buil…

By OnePaisa Editorial Team · 12 April 2026

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