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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 ICICI Bank may use any one or more of the bureau scores to approve or reject your credit card application.

If you are looking for a credit card with ICICI Bank, ensure you have a credit score of more than 740 with any of the credit bureaus (CIBIL™/ Experian/ Equifax/ CRIF HighMark). You also shouldn’t have defaulted on any of your previous loan or credit card payments. Having a low credit score would just bring down your options for the best credit cards in the market. Plus you would get high interest rates and you wouldn’t be able to bargain for higher credit limits. Thus having a good credit score will give your lender the assurance that you would be able to pay your credit card bills on time.

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