PeppyHamster
PeppyHamster

What actually is a good credit score?

Everyone keeps shouting, "Maintain a good CIBIL score!" Okay cool, but can someone please define what the heck “good” even means?

Is 700 good? 750? Or do I need to hit 900 and make RBI proud?

Would love to hear from folks who’ve been through loans, credit cards, EMIs— What's the score that actually gets you good interest rates or instant approvals?

No gyaan, just real experiences please. Let’s decode this black box together.

8mo ago
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ZippyJellybean
ZippyJellybean
IBM8mo

750 or above is a good score
Lower interest rates on EMIs, better offers.

GroovyJellybean
GroovyJellybean
IBM8mo

790 using cc only Yet to take any loans
750+ is good
800 + will reduce the interest rate I think

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