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A credit score is a 3 digit number that represents the evaluation made on a person's capability to repay loan amounts and other debts like credit card payments. Credit bureaus like CIBIL™, Experian, Equifax, CRIF HighMark provide credit scores that are calculated based on their credit history. Having a good credit score is a must as banks and NBFCs provide you the top credit cards or loans based on your credit score. Lenders like SBI Bank may use any one or more of the bureau scores to approve or reject your credit card application.

If you want to qualify for the credit card you want, then you would have to have a credit score of minimum 750. Lenders can check your credit score from any of the credit bureaus (CIBIL™/ Experian/ Equifax/ CRIF HighMark). They will make a background check on your credit history to make sure that you have not defaulted on any loan or credit card payments in the past. Having a blackmark in your credit history will reflect on your credit score. Maintaining a good credit score becomes important because you get low interest rates and higher credit limits.

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