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Free credit report vs. free credit score: what is the difference?

Maintaining a good credit is a very important part of your financial health. When you apply for a loan, be it a home loan or loan for a car, the loan lenders look into your credit history. This gives them an idea of your financial health and your repaying capability. The credit history also gives .

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Personal Loan vs. Credit Card Loan- Which is More Feasible?

Is personal loan better or credit card? The answer actually depends on what you are buying and how you are going to pay it back? When you are out to buy something big and you don’t have the necessary cash-in-hand, you are left with the only option of taking a loan. Now you want to .

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Secured Credit Cards – A Gateway to rebuild your CIBIL Score

Despite the marketing efforts of banks and financial institutions to sell their credit services, the credit card penetration still hasn’t reached its peak. Ironically, the number of credit card applicants are increasing exponentially, but due to a rigorous procedure and meticulous screening, they are unable to prove their creditworthiness. The most critical parameter is the .

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Should I pick a fixed or floating rate of interest when applying for a home loan?

Buying a house needs you take many decisions which can affect your life for years or even decades. Today, getting a home loan is easy but choosing the best options is a difficult task. Moreover, choosing a fixed interest rate over a floating interest rate is a very tough choice as you apply for a .

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How FinTech will revolutionize lending in India

It is the duty of technology to revolutionize the way things work. It has been seen in every sector that old and traditional methods become obsolete and newer technology takes place. The trend continues in the financial sector also. Recent times have seen India adopt digital methods for funds transfer. Money order through post or .

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Do Rewards Credit Card Make up for Bad Interest Rates?

It is a universally known fact that credit card rewards are a way of luring people to open an account. Their attractive reward programs include free air miles, all-expense-paid vacations, free dining, and discounts on partner merchant network; and cash backs. However, one must spend responsibly in spite of the rewards being offered. If handled .

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How Financial Institutions are Leveraging AI for determining Credit Worthiness

There are several macro and microeconomic elements that govern many financial institutions, while several are the factors, which are responsible for bringing these companies or institutions closer to risks. Lending of money is one of the crucial functions of banks and the other financial institutions, which generate ample amount of revenues for them; however, the .

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Impact Of Credit Card Balances On Credit Score

Credit Card balance can have a direct adverse effect on credit score. For somebody who has consistently been a defaulter, his credit score can go for a toss in no time due to the outstanding unpaid bills. Alternatively, on maintaining a disciplined payment habit, the credit score may improve drastically leading to healthy creditworthiness for .

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Understand why the Bank-Fintech Combination is aceing all fronts

The banking needs of the modern era have evolved to a great degree. While the change has been brought about by the non-banking factors that are so important that difference seems inevitable. Most of these are technological changes which the banks have to adapt to stay updated with the advancement in the entire industry. 1) .

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7 things you should not forget to check while applying for an Instant Loan

The financial world is undergoing a rapid transformation with an ever-increasing number of banks and financial institutions turning to technology when at a time, the corporate lending scenario looks abysmal. Banking related processes have now become speedier and paperless. Most of the banks have propelled their functioning with the launch of instant loans thereby drastically .

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