Cibil Score नहीं होगा खराब, समझें 7 प्लाइंट्स

Aishwarya Awasthi Jul 20,2024

750 से ज्यादा Cibil Score अच्छा माना जाता है.

[{"selector":"#anim-0711f0eb-bef3-4def-9c85-2ce240717b91","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee15be51-eb7b-47be-8d2f-2622e8f20a5a","keyframes":{"transform":["translate3d(0px, 188.27728%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5df992e8-5f86-4f22-91fb-f96bc78f0e58 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एक से ज्यादा क्रेडिट कार्ड से पेंमेंट करने से क्रेडिट स्कोर पर असर हो सकता है.

[{"selector":"#anim-7276a918-4b71-4b25-bb56-588e9bb8eeba [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d91d36a4-b889-447e-b2a3-3dd6ef51b046","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65cd6206-27e6-42f8-96f3-55082cf2fc05","keyframes":{"transform":["translate3d(0px, 147.41244%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एक से ज्यादा क्रेडिट कार्ड से Cibil Score बढ़ेगा या घटेगा?

[{"selector":"#anim-810cac1b-e7c6-49e8-bfbe-ae860ab97c46","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86680310-f064-4460-aaca-f7e6c7fce5bd","keyframes":{"transform":["translate3d(0px, 197.45157%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगली स्लाइड से इसके बारे में जानेंगे.

[{"selector":"#anim-75a52496-8b51-4598-8293-977679c96acf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-8.333827109950997%, -12.254074981996597%) scale(1.3846153846153846)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b9a16006-4287-4a93-b098-25ff1014c453","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0df04337-f1ef-41e0-adf9-58333a067243","keyframes":{"transform":["translate3d(0px, 303.12995%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

क्रेडिट कार्ड का बिल टाइम पर पे करें, पेंडिंग बिल Cibil Score को कम करते हैं.

[{"selector":"#anim-72836826-1986-4e7d-ad5c-01a80a98337e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-11.68831161347282%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-86fba54c-a8bc-46f9-81be-09544af0e30a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a6a48340-2e7d-42b7-a655-37cb3f9e8825","keyframes":{"transform":["translate3d(0px, 146.04260%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

Credit और Debt का रेशियो होता है, जिसके 30% से ज्यादा होने पर आपका Cibil Score गिर सकता है.

[{"selector":"#anim-c1a6af21-3d31-4e28-b356-360ffc3225ee [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4b00b1b8-0262-4527-b947-76a81378cda4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b26e9fdf-0384-452f-9bd1-4b76df2a59ee","keyframes":{"transform":["translate3d(0px, 154.26179%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

नए क्रडिट कार्ड से स्कोर थोड़ा कम हो सकता है.

[{"selector":"#anim-51bcc3c4-cef3-4a18-84d4-045523a66fb5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-18.636363439493408%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-15bf0ab2-2dc7-441d-a389-2bfea748b52e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c673614-7704-4013-833b-055a23c1fe83","keyframes":{"transform":["translate3d(0px, 197.45157%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

नई क्रेडिट लाइन का अधिक यूज करते हैं तो ये स्कोर में गिरावट आ सकती है.

[{"selector":"#anim-754ba466-2a63-4f22-be33-32d885a3688c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1474ba49-cc42-455a-9218-1646bd28016f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3ebb39ed-e0e8-4493-8f20-a77c624a881c","keyframes":{"transform":["translate3d(0px, 147.41244%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एक ही तरह का क्रेडिट रखने से भी क्रेडिट स्कोर कम हो सकता है.

[{"selector":"#anim-0e589706-3a55-44b0-b3e6-6ecd4d6b7102 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d7eb7333-8de5-4420-839e-c46109a234d2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d36be8b-8434-452d-9aab-db93f8e26094","keyframes":{"transform":["translate3d(0px, 197.45157%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इससे बचने के लिए Mortgage, Auto Loans या Instalment loans आदि के बारे में भी सोचे.

[{"selector":"#anim-e5a50d84-2c78-4bda-85de-9d6bae7a1330 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(7.118017231658164%, -21.008402019469035%) scale(1.4201680672268908)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9a9c1666-f9c5-4c02-9019-e67359ec9781","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1fef55de-9805-455a-a258-617fec1d82d7","keyframes":{"transform":["translate3d(0px, 154.26179%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

केवल जरूरत पड़ने पर ही नया क्रडिट कार्ड लें,वरना लेने से बचें.

[{"selector":"#anim-a7b5ee90-bf6a-4ee6-afe6-2de126ef3005 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9a302ea7-d56d-4df8-bea6-2c58534b3895","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be8cfde5-649c-4b67-a65e-038bf40f94a1","keyframes":{"transform":["translate3d(0px, 197.45157%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.