Are there any other benefits of a high credit score other than easier loan approval?

Negotiation in loan interest rate and high end credit cards approval.

Tech Lead

Higher loan amount with lower interest rates, easily get the premium credit card for your self and family.

Software Engineer

Software Developer

Product Manager

Senior Associate

Lead Engineer

Isn’t this CRIF score and not CIBIL ?  
 I thought with these scores everyone can easily be around 800+

Yeah I've barely used cards and loans in my life, still had 790-800 credit score

Generalist

CRIF and CIBIL both are different companies to calculate the credit score, but this is the CIBIL score as CRED use to show the credit score but both are same.

Staff Engineer

I've 805 in Cibil and 820 in Experian. I've a credit card, a housing loan and a loan (top-up on housing) for interiors. All are active, no payments missed. I do use all the limit on my credit card though, but I'll pay back twice a month instead of monthly.

I hit 803 Credit Score.  Key learning: 1. Utilizes 5  10% of credit limit.  2. Never missed any bill payment and paid on fixed dates 1  3 of every month.  3. No active loan, privious loan payments ...

Welcome to Personal Finance's Private Community

I hit 803 Credit Score. 
Key learning:
1. Utilizes 5 - 10% of credit limit. 
2. Never missed any bill payment and paid on fixed dates 1 - 3 of every month. 
3. No active loan, privious loan payments are on time. 
4. Make a increase in credit limit 2 times in a duration of 2 years

803 Credit Score

803 Credit Score- Grapevine

How to increase my credit score ,  it had fallen due to Over utilisation of Card ♦️♠️

Credit Score

I took shit tons of buy now pay later during my college days and couldn't really pay on time, now  my credit score dropped to 540, how do i improve this? i am still in my final year so i have a year to improve, would love to know insights about this, what should be a decent credit score by 2024 june keeping in mind my score now & that i have cleared all the bnpls

Improving credit score

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

Founder

What is your CIBIL Score and how many lines of credit due you have open currently? (loans + credit cards).

My score is 787. With 5 active credit cards.

Your CIBIL scores

How many credit cards are too many?

Consultant

In this month alone i got 3 new credit cards. 
Yes bank approached me saying there’s a pre-approved credit card, which will be the fourth one.

This will be the fourth enquiry on my CIBIL this month, but none of them got rejected. Current score is 770+ and  age of credit is almost 3y

My understanding is having more credit limit will help keep Credit Card Usage index below 20-30%. 
Is this correct?

Does having too many credit cards affect CIBIL score?

Credit Score kaise badhau friends?

Woke up to mail that CIBIL score was updated 
I have not applied to any credit products in this year

How can I check who requested this?
Could this be a loan scam on my name?

CIBIL Score accessed by someone, how to check

I am earning and expenses or same 50k but I have 10lac credits could you pls help and suggest to get it out and i didn't get loans due to credit score issues

Credit card over utilisation

Supply Chain Manager

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself.

1. Working in consumer finance.
2. Love personal finance and helping people out with it.
3. Have published 10,000+ pieces of financial content in the mainstream media.
4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 
5. Lately been appearing on TV regularly for personal finance discussions.
6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned.
7. My unrealised aspiration is travel and I'm working on it now.

No, I'm not selling anything. No commissions, no referral links, no finfluencing. 

Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :)

Ask me anything.

Let's talk money habits.

Corporate Strategist

I know it's not a big amount, but felt like announcing this. Here's my nw breakdown-

FD/Emergency fund: 5L
MF/stocks: 1L
Sitting around: 4L (can't get myself to invest it, the market seems very overvalued. Will try to invest this in small chunks over a duration)

Next target is 50L, it'll take much longer than this 😭

803 Credit Score

Discover More

Personal Finance on

by Aaron Lee

HSBC

Credit Score

Personal Finance on

by Aaron Everett

Stealth

Improving credit score

Personal Finance on

by Matilda Lee

Stealth

Credit card

Personal Finance on

by Kendall Vernon

Freelancer

Your CIBIL scores

Personal Finance on

by Jordon Lee

Stealth

How many credit cards are too many?

Personal Finance on

by Jordon Carmden

Fintech Startup

Does having too many credit cards affect CIBIL score?

Memes on

by Karilyn Olive

Fintech Startup

Credit Score kaise badhau friends?

Personal Finance on

by Kalan Vernon

Stealth

CIBIL Score accessed by someone, how to check

Personal Finance on

by Jordon Dean

Croma

Credit card over utilisation

Personal Finance on

by Anise Lee

Stealth

Let's talk money habits.

Personal Finance on

by Kendall Vernon

Slice

Reached 10L networth