वो चीजें, जो बनाती और बिगाड़ती हैं आपका क्रेडिट स्कोर

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क्रेडिट स्‍कोर किसी भी शख्‍स की क्रेडिट हिस्‍ट्री को दर्शाता है.

[{"selector":"#anim-e62e46fa-7b5b-4560-afbf-9d233356e838","keyframes":{"transform":["translate3d(-110.91445%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d6a535e-7e72-47e5-9029-036ba427f7c4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-436bdb5c-213c-4349-9416-24337fc45db8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-343a58fb-c7b3-4bfa-955c-f3481b211368","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-d663a98b-f754-4fed-8ea0-728081d807c4","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

अगर आपका क्रेडिट स्‍कोर अच्‍छा है तो लोन आसानी से मिल जाता है.

[{"selector":"#anim-d95374ad-42c9-4817-b1a2-97a71aacfc35","keyframes":{"transform":["translate3d(-111.27596%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25455792-2dbd-4317-9bcd-e45aa9c0428e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-75f31de1-7c60-44d3-bcad-938460ca82a6","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-edbbdac7-01bf-4716-a877-e4d1ef0145a4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c5bc09a5-961e-48ed-9ad6-6e12a6ba0b5f","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

क्रेडिट स्‍कोर खराब है तो लोन पाने में कई तरह की मुश्किलें आती हैं.

[{"selector":"#anim-eb8c7b52-9dd7-4a6a-b8b8-801382a253f5","keyframes":{"transform":["translate3d(-111.37724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b4f1adcd-1d61-4c47-964b-c1f65485276c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-54ed5cfe-8307-423b-9889-134e8e6a5b33","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2c5737df-0720-4f00-b5ac-3254ff3fd001","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-0b37dc90-bfba-4739-942e-f0225308f705","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

लोन देते समय बैंक आपके क्रेडिट स्कोर को जरूर चेक करते हैं.

[{"selector":"#anim-ce45936f-b554-4232-a2e2-087ac969ad6a","keyframes":{"transform":["translate3d(-111.74699%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27f7ed9a-e40b-4d9b-af4f-d5b401c1614f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a8753ad-f735-4ed6-84eb-5847c943f178","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-5fd01f1d-cf4a-4d9f-9844-64098d19eabf","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c7ec5848-2fb7-4a73-92c8-0004d272c3ce","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

ज्यादा स्कोर होने पर लोन आसानी से और कम ब्याज पर मिल जाता है.

[{"selector":"#anim-f6b5307c-8b6b-42bc-82be-1330bb2e71ef","keyframes":{"transform":["translate3d(-109.16905%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3599aba3-2d01-4e24-9c49-9715c1ff0113","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-805aef7c-1388-4dfd-a0f5-8dc9976ae49e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-3358d252-a4d3-422d-99e3-811c6e838376","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-ecb04364-e83b-4e7d-823e-12ef255288e8","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

बैंक ये देखते हैं कि पहले आपने समय पर भुगतान किया है या नहीं.

[{"selector":"#anim-498ab747-f514-4706-a49f-721daf18d428","keyframes":{"transform":["translate3d(-116.45161%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a43750ca-400e-4998-95fb-fe4c35de17f5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-036db52d-aab0-4d44-88cd-7936fb09ce6a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ed69cc4f-b819-49ae-ad5f-b8e9c0b55d52","keyframes":{"transform":["translate3d(81.70732%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41a6112a-d523-498f-838a-57190c7445ca","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5476405a-9f05-40bc-91b7-c3b5631d812b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

क्रेडिट लिमिट के 30% से ज्यादा खर्च आपके स्कोर पर निगेटिव असर डालता है.

[{"selector":"#anim-f67c22f5-db71-442a-99be-0328ca657808","keyframes":{"transform":["translate3d(-107.52089%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-311635b6-3f20-42b5-80e7-8e4922aad976","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ddf28e74-dfe7-4cf8-b122-02b8f26cb60a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-8f536cff-f744-4291-a6b1-356e212dcf39","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-8bf55e69-2998-4521-b4e5-645f0148ea54","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

क्रेडिट लिमिट के 30% से कम खर्च आपके स्कोर पर पॉजिटिव असर डालता है.

[{"selector":"#anim-1e7365db-a9fc-45fc-8960-e51587e85102","keyframes":{"transform":["translate3d(-111.27596%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a7ce0c62-269c-43d2-a8a0-f816f3df760a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5dce6402-229e-4644-8c7f-deb9ff615db7","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-99fa3c1b-9106-45fa-b499-c055e8c17df4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-0c4cae67-a0fc-4b8c-9046-4bdc9ac7c94b","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

लंबी क्रेडिट हिस्ट्री आपके क्रेडिट स्कोर पर पॉजिटिव असर डालता है.

[{"selector":"#anim-cf968e57-3bd9-439d-b13c-fecb070c7de0","keyframes":{"transform":["translate3d(-107.86517%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e30c5a7-9a9f-4a93-a30e-b5536dda3543","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-698af044-4686-48a4-8925-0411aa1ff41a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-def9f860-d4fd-4045-b729-24a2a7908fa2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-6c9b8896-68ec-4fb4-83e0-485f5a552776","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

क्लिक

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