Aaj ke time me CIBIL Score loan aur credit card lene ke liye bahut important hai. Agar aapka CIBIL Score low hai, to bank loan approve karne mein dikkat aa sakti hai ya interest rate zyada ho sakta hai is liye aapko aabhi pata aapka score badiya rakhna chaiye.
Agar aapka score 500 ke aas-paas hai, to tension lene ki zarurat nahi hai. Kuch important habits follow karke aap dheere-dheere apna CIBIL Score improve kar sakte hain.
CIBIL Score Kitna Hona Chahiye?
Kya h ki Generally, 750 ya usse upar ka CIBIL Score achha maana jata hai. Higher score hone par loan aur credit card approval ke chances better ho sakte hain.
CIBIL Score Kaise Badhaye?
1. EMI Time Par Pay Karein
Loan ya credit card ki EMI ko kabhi late na karein. Payment history CIBIL Score ke liye important hoti hai.
2. Credit Card Bill Full Pay Karein
Sirf minimum amount pay karne ke bajay, possible ho to credit card ka full outstanding amount due date se pehle pay karein.
3. Credit Limit Ka Kam Use Karein
Agar credit card ki limit ₹50,000 hai, to har month poori limit use karne se bachna better hai. Low credit utilisation score ke liye helpful ho sakta hai.
4. Baar-Baar Loan Apply Na Karein
Short time mein multiple loans ya credit cards ke liye apply karne se multiple credit enquiries ho sakti hain, jo score ko negatively affect kar sakti hain.
5. CIBIL Report Check Karein
Apni credit report mein agar koi wrong entry, unknown loan ya incorrect overdue amount dikh raha hai, to uski correction ke liye dispute raise karein.
CIBIL Score Kitne Din Mein Improve Hota Hai?
CIBIL Score ekdum se improve nahi hota. Agar aap EMI aur credit card payments time par karte hain aur credit responsibly use karte hain, to improvement kuch mahino mein dikhna shuru ho sakta hai. Exact time har person ki credit history par depend karta hai.
Conclusion
Low CIBIL Score ko improve karne ka sabse important rule hai EMI aur credit card payments time par karna. Saath hi unnecessary loans aur credit applications se bachna chahiye. Regularly responsible credit behaviour maintain karne se score gradually improve ho sakta hai.
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