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Build your score. Build your future
Get easier access to loans and secure your future
If you manage credit responsibly, your scores will be maintained.
We have put together major factors that affect your credit score and what you can do about them -
- Use your Instant Credit Card regularly.
- Make payments on time. Late payments or defaults indicate that you are unable to manage the expense. If you have to make partial payments, try to pay back at least 50-75% of the outstanding.
- Stay within your credit limit. A high utilization of credit limit may indicate that your income is not sufficient to manage expenses.
- Apply for new credit in moderation – only as much as you need. Make an informed decision to apply for loans / cards at multiple lenders.
- Responsible use of credit cards indicate that you are financially secure and in control of your expenses. This may make lenders view future loan applications favorably.
Your credit rating and scores are held in a report accessible through a credit agency or bureau. Banks and other financial institutions from whom you may have taken a card or loan report your credit behavior to these independent credit bureaus.
Your ICICI Bank Instant Credit Card scores will be reported to CIBIL or the Credit and Information Bureau of India Limited.
Make sure that you review your credit scores frequently by ordering your Credit Information Report or CIR from the credit bureau. Click here to order yours.
Let's begin by saying that understanding credit is very important.
You may have already taken credit or will need to, at some time – in the form of education, auto or home loans or credit cards.
Do you know, however, how lenders evaluate your loan or card applications? Or if your application will get approved?
Or do you simply need some help to manage your Credit Card account safely?
Choose the best Credit Card for you that suits your needs. ICICI Bank Credit Cards offer a host of benefits and offers to cater to your needs.
Coral Credit Card
Manchester United Signature Credit Card
MakeMyTrip ICICI Bank Signature Credit Card
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Pre-Approved Credit Card
Instantly approved Credit Card offer based on pre-screened creditworthiness without a formal application.
Personal Loan On Credit Card
Get access to an Loan on credit card facility allowing cardholders to borrow cash from their credit limit with flexible repayment terms.
EMI On Call
Take advantage of this facility and convert your purchases into easy EMIs over the phone for convenient repayment.
