credit utilisation ratio

A good credit score not only facilitates access to credit but also serves as a comprehensive indicator of an individual’s financial behaviour and reliability, effectively functioning as a financial resume. …

A credit score of 800 or above is generally considered excellent. However, many individuals with such high credit scores still face rejections, delays, and disappointment when applying for two-wheeler loans …

A credit score of 580 is generally considered subpar, that is, below the usual standard, in India. This can hinder access to favourable loan terms, credit cards and other premium …