Frequently Asked Questions

To improve your credit score using a credit card: Pay on time - Payment history is 35% of your score. Keep utilization low - Use less than 30% of your credit limit. Don't close old cards - Length of credit history matters. Pay more than minimum - Reduces debt faster and shows responsibility.

The repayment period for a Credit card finance personal loan can range from 6 months to 60 months. The exact tenure depends on your loan amount, income, and creditworthiness. Longer tenures mean lower EMIs but higher total interest paid.

Eligibility criteria:
• Age: 18-65 years
• Resident of India
• Regular source of income (salaried/self-employed)
• Good credit history (CIBIL score 650+)
• Valid identity and address proof
• Bank statements for last 3-6 months

The maximum loan amount varies by lender and your profile. Through our partner network, you can borrow up to ₹50 lakhs for personal loans. The actual amount depends on your income, credit score, existing obligations, and repayment capacity.

Interest rates start as low as 10.25% per annum and can go up to 24% depending on: • Your credit score and history • Income and employment stability • Loan amount and tenure • Lender's policy and risk assessment

Higher credit scores typically qualify for lower interest rates.