5 ways to maintain a healthy credit score if you are using a credit card

It is a well established fact that maintaining a healthy credit score is essential for credit card users, loan seekers and people who want to get a line of credit. In addition to income, CIBIL Score and Credit Information Report (CIR) are used by banks/NBFCs to evaluate applications for Loan or Credit Card. Until a decade ago, credit cards were not very popular among Indians. However, increased exposure to cashless transactions and other banking instruments has led to a rapid increase