CIBIL uses 5 factors: payment history (30-35%), credit utilisation (25-30%), credit age (15-20%), credit mix (10-15%), and recent inquiries (10-15%). Real impact analysis for Indian borrowers in 2026.
Can you claim GST input tax credit on business credit card spend in India? What is eligible, the invoice conditions and how to claim ITC on card fees.
How to maximise credit card reward points in India: matching cards to spend categories, accelerated portals, milestones, transfers and avoiding points expiry.
Secured credit cards in India explained: how FD-backed cards work, the limit you get, who should get one, and how to use one to build a CIBIL score.
A 6-step plan to get out of credit card debt in India: stop the interest bleed, convert to EMI or balance transfer, prioritise repayments, rebuild.
Credit card fraud in India: how RBI’s limited-liability rules protect you, why reporting within 3 days matters, and the step-by-step recovery process.
How to choose the right credit card in India: a step-by-step framework based on your spending, fees, real reward rates, eligibility and lifestyle benefits.