Credit Card Ko Bhul Gaye? Score Bigadne Ka Khatra!
Aajkal, credit card use karna common hai, but kabhi kabhi hum use karna bhul jaate hain. Aisa karna aapke credit score ko nuksan pahuncha sakta hai.
Score Kaise Banta Hai?
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Repayment History:
Time pe payment karna sabse important hai.*
Credit Utilisation:
Jitna credit use karte ho, total credit limit se compare karo.*
Credit History Length:
Long credit history, better score.*
Credit Mix:
Secured (home loan) aur unsecured (credit card) credit ka mix.*
New Credit Inquiries:
Short time mein kai credit ke liye apply karne se score down ho sakta hai.Card Use Nahi Karoge Toh Kya Hoga?
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Credit Utilisation Ratio:
Card use na karne se ratio low rehta hai, jo good hai. Lekin, agar bank credit limit kam kar de ya card band kar de inactivity ke karan, toh ratio badh sakta hai aur score down.*
Account Closure:
Banks inactive cards ko band kar sakte hain. Isse average credit age kam hoti hai aur score down hota hai.*
Payment History:
Regular payments na hone se credit profile strong nahi hota.Kya Karein?
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Periodically Use:
Small purchases karo aur time pe pay karo.*
Automate Usage:
Recurring bills ke liye card use karo.*
Monitor Inactivity Clauses:
Inactivity fees ke bare mein jaankari rakho.Soch Samajh Kar Chalao Card!
Credit card ko soch samajhkar use karo. Time pe payment karo aur zyada credit use na karo. Isse aapka credit score healthy rahega aur future mein loan lene mein aasani hogi. Yeh latest business news aapke financial health ke liye important hai.
Multiple Credit Cards?
Agar aap multiple credit cards ke bare mein soch rahe hain, toh yeh dhyan mein rakhein:
* Apni income aur expenses ka analysis karo.
* Har card ki terms and conditions carefully read karo.
* Credit limit ka dhyan rakho aur overspending se bacho.
* Time pe payment karo aur interest charges se bacho.
* Apne credit score ko regularly monitor karo.
Yeh tips follow karke aap apne credit cards ko effectively manage kar sakte hain aur apne financial goals achieve kar sakte hain.
