https://chiraghasija.cc/tags/credit-score/ Recent content in Credit Score on Chirag Hasija https://chiraghasija.cc/og-image.png https://chiraghasija.cc/og-image.png Hugo -- 0.155.3 en-us Mon, 23 Feb 2026 12:32:00 +0530 https://chiraghasija.cc/posts/credit-card-annual-fee-waiver-script/ Mon, 23 Feb 2026 12:32:00 +0530 https://chiraghasija.cc/posts/credit-card-annual-fee-waiver-script/ Get your credit card annual fee waived using this proven calling script and negotiation strategy that works with HDFC, ICICI, Axis, and SBI card teams. https://chiraghasija.cc/posts/credit-score-how-it-works-and-how-to-improve-it/ Sun, 15 Feb 2026 14:00:00 +0530 https://chiraghasija.cc/posts/credit-score-how-it-works-and-how-to-improve-it/ A complete guide to understanding credit scores in India. Learn how CIBIL score is calculated, what affects it, and actionable tips to improve it quickly. https://chiraghasija.cc/posts/26-how-to-dispute-wrong-entry-cibil-report/ Sat, 10 Jan 2026 11:23:00 +0530 https://chiraghasija.cc/posts/26-how-to-dispute-wrong-entry-cibil-report/ A step-by-step guide to identifying and disputing wrong entries on your CIBIL report, with timelines, escalation paths, and what to do if the bank refuses to correct it. https://chiraghasija.cc/posts/48-cashback-rewards-airmiles-credit-card/ Mon, 08 Dec 2025 12:13:00 +0530 https://chiraghasija.cc/posts/48-cashback-rewards-airmiles-credit-card/ How to choose between cashback, reward points, and air miles credit cards in India based on your actual spending habits, and which card type builds the most real-world value for different lifestyles. https://chiraghasija.cc/posts/31-credit-score-750-vs-800/ Mon, 17 Nov 2025 18:55:00 +0530 https://chiraghasija.cc/posts/31-credit-score-750-vs-800/ Does improving your CIBIL score from 750 to 800 actually get you better rates or benefits in India? An honest look at what those extra 50 points do and do not get you. https://chiraghasija.cc/posts/why-your-cibil-score-dropped-50-points/ Sat, 15 Nov 2025 17:04:00 +0530 https://chiraghasija.cc/posts/why-your-cibil-score-dropped-50-points/ Understand why your CIBIL score dropped overnight and get a step-by-step plan to recover it quickly in the Indian context. https://chiraghasija.cc/posts/36-truth-about-cashback-credit-cards-india/ Fri, 19 Sep 2025 16:53:00 +0530 https://chiraghasija.cc/posts/36-truth-about-cashback-credit-cards-india/ An honest look at whether cashback credit cards in India actually deliver value, which cards have the best real-world cashback rates, and the hidden conditions that erode the benefits. https://chiraghasija.cc/posts/41-credit-card-revolving-credit-trap/ Wed, 14 May 2025 15:52:00 +0530 https://chiraghasija.cc/posts/41-credit-card-revolving-credit-trap/ How revolving credit card balances silently compound at 36-42% annual interest in India, why the minimum payment trap is so dangerous, and a step-by-step plan to get out. https://chiraghasija.cc/posts/real-cost-of-minimum-due-credit-card/ Wed, 30 Apr 2025 13:56:00 +0530 https://chiraghasija.cc/posts/real-cost-of-minimum-due-credit-card/ Learn the true cost of paying only the minimum due on your credit card in India, with real rupee calculations showing how interest compounds. https://chiraghasija.cc/posts/50-real-reason-loan-rejected-good-credit-score/ Mon, 17 Mar 2025 17:12:00 +0530 https://chiraghasija.cc/posts/50-real-reason-loan-rejected-good-credit-score/ Why loan applications in India get rejected despite a 750+ CIBIL score, the non-score factors that lenders evaluate, and how to diagnose and fix a rejected application.