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Generally, most credit card issuers do not automatically close a card, if it has not been used for extended periods. Even if you have not used your card for a long time, say 2 - 3 years, the card issuer will first send you a notification regarding inactivity, asking you to make use of your card. Note that the threshold for the period of inactivity varies from one card issuer to another.
Deactivating an existing card is a loss of business for the card issuer. So most card issuers do not deactivate cards for inactivity, as long as the cardholder pays the annual fees and other charges.
We recommend using your credit card responsibly and regularly to make use of the several benefits on it. Furthermore, regular usage of a credit card is a great way to boost your credit score.
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Know Your CIBIL™ Score ?
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
What Is Credit Repair?
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
What Is A Credit Report?
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
What Is A Credit Rating?
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
What Is A Bad Credit Score?
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Is A Credit Score Of 850 Good?
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
How To Improve CIBIL™ Score ?
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is A Credit Score Of 800 Good?
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
How To Get A Free Credit Check?
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Good CIBIL™ Score For Loans ?
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
How To Check CIBIL™ Score For Free ?
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
How To Check CIBIL™ Defaulter List ?
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
What Is The Average Credit Score?
There is really no number that can be established as the average credit score in India. Many people see regular
How Much Does Credit Repair Cost?
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
How To Remove Name From CIBIL™ ?
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Why You Need To Check Your Credit Report?
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
What Is The Best Credit Score To Have?
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Can I Get A Loan With A Credit Score Of 700?
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
Can I Get A Loan With A Credit Score Of 650?
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
Can I Get A Loan With A Credit Score Of 600?
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
Can I Get A Loan With A Credit Score Of 550?
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
How To Improve CIBIL™ Score Immediately ?
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
How To Improve CIBIL™ Score After Credit Card Settlement ?
One common worry that runs through your mind after you have made a credit card settlement is,
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