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Ask CreditSmart: Is 625 CIBIL Good Enough For A Credit Card?

Ask CreditSmart Improving India's Credit EverydayA 625 CIBIL Might Not Be Enough

Today we’re responding to an email from Mohanty, who is asking is a 625 CIBIL score would be enough for a credit card approval. Here’s his email:

Dear Sir/Madam,

My credit score is 625 is it not ok for apply credit card?
How will increase my score please advise.



Greetings Mohanty!

Thanks for emailing us, we’re glad to help answer your question. First of all, a 625 CIBIL score is not a bad score, in fact it would fall about average. Not awful, but not wonderful. Certainly there’s room for improvement and that’s what we are here for.

The first thing you should do is identify what exactly the items are that led you to your current score of 625. Was it late payments? Defaulted payments? It could be an auto payment, credit card, or mortgage. Step one is identify the problems, and you can do this buy purchasing your full CIBIL report directly from CIBIL. At CreditSmart we can calculate your score, but only your lenders and CIBIL know the full details. It’s advisable to purchase your full CIBIL report at least once per calendar year.


Second, once you have reviewed your CIBIL report, take action. If you have defaulted on a credit card or other loan, then pay it off or set up a payment plan. If you find errors on your report, dispute them. There’s a dispute resolution form for errors and they can usually be removed within 30 days.

Third, after you’re on payment plan and errors are removed, it’s important to start good credit habits. This can be done by using your credit card often and never missing a payment. It’s also helpful to pay off your card more than once a month, as it helps keep your credit utilization low.

You are interested in applying for a credit card, and that’s great! At a score of 625, it’s possible you pay be approved for a credit card depending on the credit card you want, your income, and details of your CIBIL report. You likely won’t get approved for a rewards card, and you won’t get the best interest rate either. If you make sure your CIBIL report is clean and your payments remain on time, you should be able to build your score to 700 in 6 to 9 months.

Once you’re at 700 CIBIL your credit world opens up considerably and you’ll be able to qualify for more cards and stand a high chance of approval.

Stay close to CreditSmart and please do read our vast archive of articles that will give you all the information you need to get that great CIBIL score.

Best Regards and Great Credit!

– CreditSmart

Viveka Rao

About Viveka Rao

Viveka Rao is post grad in finance and a freelance writer here at CreditSmart. A love for shopping and travel rewards has fueled her interest in personal credit, and making the most of rewards programs. She writes to educate other consumers in making great financial choices.

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