ಕಮ್ಮಿ ಬಡ್ಡಿಗೆ ಸಾಲ ಬೇಕಾ? How to increase Cibil score? Ashish Saradka. ಸಿಬಿಲ್ ಹೆಚ್ಚಿದ್ರೆ ಬಡ್ಡಿ ಕಮ್ಮಿ
ฝัง
- เผยแพร่เมื่อ 7 มิ.ย. 2024
- How to Increase CIBIL Score in India: A Step-by-Step Guide
0:00 - Introduction to CIBIL Score
0:36 - Why is CIBIL score important for Banks
1:35 - Range of CIBIL score and its importance, What is good CIBIL Score?
2:33 - How to improve Credit score with Credit card?
3:35 - credit card loan is good or bad?
4:05 - Credit utilization ratio
4:30 - High credit utilization ratio and its impact on credit score
5:30 - How to keep credit utilization ratio low?
6:55 - Impact of missed payment in credit card on CIBIL score.
7:42- Hack to keep credit utilization under 30%
8:19 - Credit history and its impact of credit score/ don't close old credit card
9:36 - Don't apply for unnecessary loans
9:55 - Cred credit score check, paytm credit score check, Soft inquiry of credit score
10:25 - Hard inquiry of credit score and impact of too many loan applications
11:00 - Periodically check your credit score
12:05- Take small loans and pay them off quickly
13:20 - What to do when you don't have a credit score?
13:40 - Prepaid credit card to increase credit score. secured credit score
14:15 - Buy now pay later cards for credit score improvement UNI pay card, SLICE card
15:10 - Conclusion
1. Check Your Credit Report
Obtain a free copy of your credit report from credit bureaus like CIBIL, Equifax, or Experian.
Review your report for errors, discrepancies, or inaccuracies in your personal and financial information. Dispute any errors you find.
2. Pay Bills on Time
Timely payment of your credit card bills, loans, and other financial obligations is crucial for a good credit score.
Set up payment reminders or automatic debits to ensure you never miss a due date.
3. Reduce Outstanding Debt
Try to maintain a credit utilization ratio (the amount of credit you're using compared to your credit limit) of less than 30%.
Pay down credit card balances and loans to lower your overall debt.
4. Avoid Overleveraging
Don't apply for multiple loans or credit cards simultaneously, as this can make you appear credit-hungry and negatively impact your score.
Only apply for credit when you genuinely need it.
5. Maintain a Mix of Credit
Having a mix of different types of credit, such as credit cards, personal loans, and installment loans, can positively impact your score.
However, don't take on unnecessary debt just to improve your mix of credit.
6. Keep Old Accounts Open
The length of your credit history matters. Keep older, well-managed accounts open, even if you don't use them frequently.
7. Limit Credit Inquiries
Avoid excessive credit inquiries within a short period, as it can lower your score.
Soft inquiries (such as checking your own credit report) do not affect your score, but hard inquiries (resulting from loan or credit card applications) can have an impact.
8. Settle Outstanding Dues
If you have any outstanding dues that have gone to collections, try to settle them as soon as possible.
Negotiate with creditors or collection agencies for a settlement amount if needed.
9. Use Credit Wisely
Demonstrating responsible credit behavior over time will improve your score.
Don't close old credit card accounts, as this can reduce your available credit and shorten your credit history.
10. Regularly Monitor Your Credit Report
- Continuously check your credit report to ensure accuracy and to track your progress.
- Many credit bureaus offer subscription services that provide regular credit score updates.
11. Be Patient
- Improving your credit score takes time, and there are no quick fixes.
- Consistently following good credit practices will gradually lead to an increase in your score.
Remember that it's essential to maintain good credit habits consistently to achieve and maintain a high CIBIL score. Be patient and diligent in managing your finances to see positive results over time.
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Sir credit card ಇಲ್ಲ ಅಂದರೆ ಏನು ಮಾಡಬೇಕು
ತುಂಬ ಅತ್ಯುತ್ತಮವಾದ ಮಾಹಿತಿಯನ್ನು ನೀಡಿದ್ದೀರಿ ಸರ್.. ತಮಗೆ ಧನ್ಯವಾದಗಳು
ವಿಡಿಯೋ ನೋಡಿದ್ದು ಖುಷಿ ಆಯ್ತು! Thanks
Good viodes sir
ತುಂಬಾ ಅದ್ಬುತವಾದ ಮಾಹಿತಿ sir
ಧನ್ಯವಾದಗಳು ಸಾರ್!
Nimminda namma samanya jnana hechhagtide..danyavadagalu
ದೊಡ್ಡ ಮಾತು!
ಒಳ್ಳೆಯ ಮಾಹಿತಿ
Thanks sir
👌 👌 👌 Good information sir
Thanks for watching
Good Information❤
Thanks boss !
Good information bro
Thanks for watching
🙏Thank You
Thanks for watching
Nice ಇನ್ಫಾರ್ಮಶನ್
Thanks for watching
Super sri
Thanks for watching
Thanks
Thanks
ತುಂಬ ಒಳ್ಳೆಯ ಮಾಹಿತಿ..
ನನ್ನ ಸಿಬಿಲ ಸ್ಕೋರ್ ಚೆಕ್ ಮಾಡ್ದೆ, 787 ಗುಡ್ ಅಂತಿದೆ.. ಆದ್ರೆ 4 late payments ಅಂತಿತ್ತು , ಅದು 2016 ಲಿ ಆಗಿದ್ದು .. ಇನ್ನಾ ಎಷ್ಟು ವರ್ಷ ಇದ್ನಾ ಲೆಕ್ಕ ಇಡ್ತಾರೆ?
ಇಷ್ಟೊತ್ತಿಗೆ ಸಮಯ ಆಗಿರಬೇಕು
Hi
Hello
Tq sir
Thanks for watching boss
in my name, how many credit cards are active, and how to check, if any link and app is available please confirm
When you check your cibil score you can see the number of cards
Loan settlement ಮಾಡಿಕೊಂಡರೆ ಪ್ರಾಬ್ಲೆಮ್ ಆಗುತ್ತಾ
CIBIL score ಕಮ್ಮಿ ಆಗುತ್ತೆ
Sir nanu yavode loan thagondilla credit card Saha ella nanna civil score 780 ethu adre nanna nember mele bere yarige link agide agide a arson yaranthu gothagtha ella 4 months emi pending ettidane nanna. ,civil 690 agide yarantha hege thelko beku antha gothagtha ella pls help mad sir
If we check credit score credit score will debit or it'll be charge able
Cred, phonepe, Paytm, policy bazar and some other apps have free credit score check facility. You can use them
ಒಳ್ಳೆ ಮಾಹಿತಿ ಕೋಟ್ರಿ ಸರ್,
ಕಾರ್ ಲೋನ್ ತಗೋಬೇಕಿತ್ತು ಎಲ್ಲಿ ಕಡಿಮೆ ಇಂಟೆರೇಸ್ಟ್ ಸಿಗಬಹುದು?
SBI ಲಿ ಕೇಳಿದ್ರೆ ಬ್ರಾಂಚ್ ಟು ಬ್ರಾಂಚ್ ಬೇರೆ ಬೇರೆ ಇಂಟೆರೇಸ್ಟ್ ಹೇಳ್ತಿದ್ದಾರೆ.
ಹೌದು ಹಾಗೆ ಆಗುತ್ತೆ.. ಎಲ್ಲಿ ಕಮ್ಮಿ ಸಿಗುತ್ತೆ ಅಲ್ಲಿ ಮಾಡಿಸಿ
@@AshishSaradka ಬೇರೆ ಬೇರೆ ಹೇಳ್ತಿದ್ದಾರೆ ಅದೇ ಆಗಿರೋದು confusion.
Sir Amazon pay ICICI credit card yella thara ICICI card offline offers ge apply agutha..
ಇಲ್ಲ. ICICI Bank website specifies all credit cards except Amazon ICICI bank credit card ಅಂತಾ. ಹಾಗಾಗಿ ತುಂಬಾ ಆಫರ್ಸ್ ಇದಕ್ಕೆ ಸಿಗಲ್ಲ
@Ashish my Cibil score is 790 but I have a 2 negative accounts both accounts I have made settlement 1)SBI credit Card in 2009 and Adithya Birla Consumer Loan in 2012
Pls suggest how to come out of it
Too old accounts right. Do they show up in your credit report?
Sir .. enquiry inda cibil down agidre, hege increase madkolodu plss idru bagge ond video madi, all are facing this problem..
Inquiry ಇಂದ ಕಮ್ಮಿ ಆಗಿರಲ್ಲ, ಲೋನ್ reject ಆಗಿದ್ರೆ ಆಗುತ್ತೆ
Sir please reply peytem alli gold loan thakondu nan nember link agide hege sir please sir
Complain ಮಾಡಿ.. Paytm customer care call ಮಾಡಿ
ತುಂಬ ಒಳ್ಳೆಯ ಮಾಹಿತಿ ನೀಡಿದ್ದೀರಿ ಸರ್..
ಧನ್ಯವಾದಗಳು
Cibil score checkಮಾಡಿದ್ದರೆ points ಕಡಿಮೆ ಆಗುತ್ತಾ?
ನಿಮ್ಮ ಫೋನ್ ಅಲ್ಲಿರುವ ಆ್ಯಪ್ ಗಳು ಅಂದ್ರೆ ಫೋನ್ pe Google pe, Paytm ಬಳಕೆ ಮಾಡೋದು soft inquiry.. soft inquiry ನಿಮ್ಮ ಸಿಬಿಲ್ score ಮೇಲೆ ಇಂಪ್ಯಾಕ್ಟ್ ಮಾಡಲ್ಲ
Bestt explain sir 🫶🏻♥️
Thanks
Hi sir, they have given credit card in 2020, but i have not used that also now SBI informing me to pay 10,000. Kindly help me on this.
That must have been the annual maintenance cost
Axis bank credit card ettu sir 30k limit du, nan time to time repayment madilla anta block madidare evaga yella clear agi amt matte active madkoboda sir card na..
Bank avara ಹತ್ರವೇ ಕೇಳಬೇಕು.. ಆದರೆ doubtful
Bro ನಂದು ಒಂದು bajaj ಲೋನ್ ಇದೆ ಯಾವದೇ ಡಿವ್ ಮಾಡಿಲ್ಲ ಆದರೆ ಲೇಟ್ ಆಗಿ ಕಟ್ಟಿದೀನಿ ಈವಾಗ cibil ಕಡಿಮೆ ಆಗಿದೆ ಏನ್ ಮಾಡಬೇಕು ಹೇಳಿ
ಸ್ವಲ್ಪ ಸಮಯ ಬೇಕು.. ಒಳ್ಳೆಯ ಕ್ರೆಡಿಟ್ behavior ಬೇಕು. ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬಳಸಿ ಮಾಡಬಹುದು
Sir ನಾನು 2018 ಅಲ್ಲಿ ಮೊಬೈಲ್ ಅಲ್ಲಿ ಕೆಲವೊಂದು ಲೋನ್ ಆಪ ಗಳಿಂದ ಲೋನ್ ಪಡೆದು ಅರ್ಧ ಅರ್ಧ ತಿರ್ಸಿ ಮತ್ತೆ ಅದನೆಲ್ಲಾ ಕಟ್ಟಿಲ್ಲ. ಹಾಗಾದ್ರೆ cibil ಕಡಿತ ಗೊಂಡಿರುತ್ತಾ ಸರ್. ಆ ಆಪ ಗಳು rbi ge link ಇಲ್ಲ ಅಂತ ಇತ್ತೀಚೆಗೆ tv ಯಲ್ಲಿ ತೋರಿಸಿದ್ರು.
Check Maadi ನೋಡಿ. ಗೊತ್ತಾಗುತ್ತೆ
Check madudra sir
Zero annual charge and no cost emi credit card bagge video madi sir
ಹೇಳ್ತೀನಿ
Sir nandu 2 loan kattilla 5 years aythu credit score hechu madodu hegr sir madoke agutta..
ಕಷ್ಟ ಇದೇ.. ಸಾಲದ settlement ಬರಬೇಕು ಎಷ್ಟಿದೆ score annodu ಮೊದಲು ನೋಡಿ
ಸಾರ್, ನನ್ನ ಎಲ್ಲ due amount clear ಮಾಡಿದ ನಂತರ ಎಷ್ಟು ದಿನಗಳ ನಂತರ ನನ್ನ Credit score increase ಆಗುತ್ತೆ. please suggest ಮಾಡಿ.
ಬ್ಯಾಂಕ್ ಅದನ್ನು ರಿಪೋರ್ಟ್ ಮಾಡಬೇಕು.. ಅದು ಅಲ್ಲಿ reflect ಆಗಬೇಕು. ಬೇಗ ಆಗಲ್ಲ. ಅದರ ಜೊತೆಗೆ ಡೀಫಾಲ್ಟ್ ಎಲ್ಲಾ ಆಗಿದ್ರೆ ಸುಮಾರು ವರ್ಷ ಬೇಕಾಗುತ್ತದೆ
I think 30% utilisation is tracked per card, not all cards put together
Nope. Credit utilisation ratio = ( Sum of Total outstanding on all credit cards / Sum of credit limit on all cards ) * 100
@@AshishSaradka I tried few times to test this with one card utilising like 50% and other zero..but there was an impact stating higher utilisation in d subsequent month reports
Sir nanu app loan tagondidde 2app loan clear agide but ennu 1loan ede anta toristide but yav app alli anta ne gotagtilla, plz en adru sujection madi..
Cibil score ನೋಡಿದ್ರೆ ಅದರಲ್ಲಿ ಕಾಣುತ್ತೆ ಯಾವ ಲೋನ್ ಅಂತಾ
@@AshishSaradka bro evaga yella loan amount clear madidini, but adu settled anta bandu cibil kammi agide en madodu bro
NannaCBIl 780 Credit socre nalli fair antha idara meaning enu nanu yavude credit card ge Apply madilla
ನಿಮ್ಮ ಸ್ಕೋರ್ ಸೂಪರ್ ಆಗಿದೆ ಅಂತಾ ಅರ್ಥ. ಯಾವುದಾದರೂ ಲೋನ್ ಮಾಡಿದ್ರಾ? ಮುಂಚೆ
Vehicle loan madidde close madidene ivaga yavude loan ella
Sir nandu 780 credit score ittu but credit card apply madide .. ondu sbi and onda icici eradu card sari 22000 outstanding amounts ide but ivag credit score check madidre 740 bandide sir yake..
ಒಟ್ಟಿಗೆ ಎರಡು ಕಾರ್ಡ್ ಅಪ್ಲೈ ಮಾಡಿದ್ರಾ?
Credit card outstanding as in ? Is it loan ? Billed amount? Unbilled?
@@AshishSaradka sir 12 Oct ge bill agide Nov 1 ge due ide .....
@@AshishSaradka onde month nali apply madide sir
Home loan beku
Salary ge kodtara sir
ನನ್ನ ಹೋಂ ಲೋನ್ ವಿಡಿಯೋ ನೋಡಿ
ಬ್ರೋ ಸ್ಯಾಲರಿ ಸ್ಲಿಪ್ ಇಲ್ದೆ ಕೊಡುವ ಲೋನ್ ಆಪ್ ಇದ್ರೆ ಹೇಳಿ ಬ್ರೋ
ಸಾವಿರ ಇದ್ದಾವೆ.. ಇಂಟರೆಸ್ಟ್ ಕಟ್ಟಿ ಆಗುವಾಗ ಪ್ರಾಣ ಹೋಗಿರುತ್ತೆ
K👍
Muthoot Finance Nalli Gold advittu sala tagondre emi intime pay madilla andre cibil kammi agutta
Yes sir. ಯಾವುದೇ ಸಾಲ ಆದ್ರೂ, EMI ಮಿಸ್ ಮಾಡಿದ್ರೆ cibil ಕಮ್ಮಿ ಆಗುತ್ತೆ. ಪ್ಲಸ್ ಬೌನ್ಸ್ ಚಾರ್ಜಸ್, penal Charges ಅಂತಾ ಫೈನ್ ಹಾಕ್ತಾರೆ ಬ್ಯಾಂಕ್ ಅವರು, ಅದೂ ಅಲ್ಲದೆ extra interest charge ಆಗುತ್ತೆ ಕೂಡಾ
Cibil check madodu hege sir ..
Gpay, phone pe, Paytm Ella ಆ್ಯಪ್ ಅಲ್ಲೂ ಇದೆ ಈಗ ಅದು. Cred ಅಲ್ಲಿದೆ
ಸರಿಯಾದ ಮಾಹಿತಿ ಸಿಗುತ್ತಾ ಸರ್
Many people says that checking cibil in third party apps like Google pay phone pe will decrease credit score? Is it true sir?
@@basavarajbaligatti6157false
Credit card ಇಲ್ಲದೆ credit score hechu madud hege
ಸಣ್ಣ ಲೋನ್ ತೊಗೊಳ್ಳಿ, ತೀರಿಸಿ
Ila
ಏನು ಇಲ್ಲಾ ?