Cibil Score का मीटर तेजी से दौड़ेगा, बस ये 5 टिप्‍स आजमाएं

Suchita Mishra Apr 04,2024

अगर आप लोन लेना चाहते हैं तो आपका सिबिल स्‍कोर यानी क्रेडिट स्‍कोर अच्‍छा होना बहुत जरूरी है.

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क्रेडिट स्‍कोर अच्‍छा होगा तो आपको लोन आसानी से और बेहतर ब्‍याज दरों के साथ मिल सकता है.

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अगर आपका क्रेडिट स्‍कोर खराब है तो टेंशन मत लीजिए. आप इसे फिर से सुधार सकते हैं. यहां जानिए इसे सुधारने के तरीके.

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अगर आपने बैंक से कोई लोन लिया है या क्रेडिट कार्ड का इस्‍तेमाल करते हैं तो ईएमआई और बिल का भुगतान समय से करें.

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क्रेडिट कार्ड की लिमिट बार-बार न बढ़ाएं. कार्ड लिमिट को बार-बार बढ़वाना इस बात का सबूत है कि आपके खर्चे बेतहाशा हैं.

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एक साथ कई लोन न लें. ऐसे में अगर किसी एक लोन की ईएमआई भी मिस हुई तो फर्क क्रेडिट स्‍कोर पर पड़ेगा.

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क्रेडिट कार्ड की लिमिट का 30 फीसदी तक इस्‍तेमाल करें. इससे ज्‍यादा इस्‍तेमाल न करें वरना क्रेडिट यूटिलाइजेशन रेश्‍यो बिगड़ता है.

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लोन गारंटर बनने से पहले अच्‍छे से विचार करें. अगर लोन लेने वाले ने समय से किस्‍तें नहीं दीं, तो इसका असर आप पर भी पड़ेगा.

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