Check your credit score before applying for a credit card

Check your credit score before applying for a credit card

There are several areas where your credit score is a big factor - including when you apply for a credit card.

Many people who have a credit score are under the mistaken impression that it is used only when they apply for a loan.

There are several areas where your credit score is a big factor - including when you apply for a credit card. When you do not know your credit score and apply for a credit card, these are some possible outcomes:

• If you have a low credit score, your application will be rejected right away. This will have a negative impact on your score.
• If you think you might have a bad score, you may decide to make multiple credit card applications, hoping you will qualify with at least one lender. This is a self-defeating strategy as a low credit score automatically disqualifies all your applications. Making multiple applications and receiving multiple rejections will cause your score to drop substantially.
• Banks may be unwilling to increase your limit if you do not have a good enough credit score.

All these scenarios can be averted if you check your credit score before you decide to apply for a card. If you have a low score, it is worthwhile to spend some time on improving it so that you do not face rejection and a further decrease in your score. can help you get your credit report for free and work with you on improving your credit score, if required.

Add a Comment

Thanks for your comment. Your comments will be posted on admin approval.

Comments (2)


Commented on 11, April , 2016

Generally speaking, if you have been paying all your dues on time, your CIBIL score would be quite high. If you feel that your CIBIL score is low in spite of making timely payments, we would recommend that we obtain and analyse your latest CIBIL report, so that we could check if there are any other factors in your credit profile which are adversely impacting your score. Kindly give us a mobile number where we can reach you, or give us a call on 044-42240800 or 72999-10805, so that we can assist you in resolving your queries.


Commented on 6, April , 2016

How to increase CIBIL score inspite of paying all the dues on time without fail

Check your Free Credit Score Online

As part of our efforts to make the end consumer services affordable and available at price points which are favourable to the customer, CreditMantri may receive fees / commissions from lenders.

CreditMantri ™ is a registered trademark of CreditMantri Finserve Private Limited. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders.

CreditMantri was created to help you take charge of your credit health and help you make better borrowing decisions. We support customers with every kind of credit profile - those who are new to credit and have a minimal or nonexistent record; those who have a problematic history; and those who already enjoy a healthy profile. If you are looking for credit, we will make sure you find it, and ensure that it is the best possible match for you. How do we help you? We enable you to obtain your credit score instantly, online, real time. We get your Credit Score online and provide a free Credit Health Analysis of your CIBIL or Equifax report. Based on the analysis, we help you discover loans and credit cards best suited for your credit profile. We help you understand your Credit Profile, Credit Information Report (CIR) and know where you stand. We are a one-stop shop for all your credit needs. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. We ensure that you have a better shot at getting an approval for a loan or credit card you apply since we match the lender’s criteria to your credit profile. We help you avoid loan rejection by carefully determining your eligibility and matching you with the right lender/product. We achieve this with a cutting edge combination of data science and technology that ensures that both lenders and borrowers have a transparent common platform to make their decisions. We treat your data with the utmost confidentiality and will never share or sell it to anyone. That is our CreditMantri guarantee. Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. Our 1 Million happy customers are our best testimonial.

CreditMantri is India’s No. 1 site for Credit Analysis and Free Credit Score Online. Let us help you take control of your credit goals and unlock the door to your financial freedom.