{"id":189,"date":"2026-02-10T10:40:08","date_gmt":"2026-02-10T10:40:08","guid":{"rendered":"https:\/\/great.cards\/blog\/?p=189"},"modified":"2026-02-10T10:40:09","modified_gmt":"2026-02-10T10:40:09","slug":"guide-to-credit-score-factors","status":"publish","type":"post","link":"https:\/\/great.cards\/blog\/ta\/guide-to-credit-score-factors\/189\/","title":{"rendered":"\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf \u0baa\u0bbe\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u0b87\u0ba9\u0bcd\u0bb1\u0bc8\u0baf \u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1 \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 \u0bb5\u0b9a\u0ba4\u0bbf\u0baf\u0bbe\u0ba9 \u0baa\u0ba3\u0baa\u0bcd\u0baa\u0bb0\u0bbf\u0bb5\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0ba9\u0bc8 \u0b9a\u0bbe\u0ba4\u0ba9\u0bae\u0bcd \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2. \u0b85\u0ba4\u0bc8 \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bbf\u0bb1\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc7 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd <strong>\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd (Credit Score)<\/strong> \u0b89\u0baf\u0bb0\u0bc1\u0bae\u0bbe \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b95\u0bc1\u0bb1\u0bc8\u0baf\u0bc1\u0bae\u0bbe \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0ba4\u0bc0\u0bb0\u0bcd\u0bae\u0bbe\u0ba9\u0bbf\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb4\u0bbf\u0b95\u0bbe\u0b9f\u0bcd\u0b9f\u0bbf\u0baf\u0bbf\u0bb2\u0bcd, <strong>\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf \u0baa\u0bbe\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9<\/strong>, \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0ba8\u0bb2\u0bcd\u0bb2 \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0bb5\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0bb3 \u0b8e\u0ba9\u0bcd\u0ba9 \u0b9a\u0bc6\u0baf\u0bcd\u0baf \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0b8e\u0bb3\u0bbf\u0baf \u0ba4\u0bae\u0bbf\u0bb4\u0bbf\u0bb2\u0bcd \u0baa\u0bbe\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bcb\u0bae\u0bcd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd \u0b8e\u0ba9\u0bcd\u0ba9?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 <strong>300 \u0bae\u0bc1\u0ba4\u0bb2\u0bcd 900 \u0bb5\u0bb0\u0bc8<\/strong> \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b92\u0bb0\u0bc1 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd. \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bb3\u0bc8 \u0b8e\u0bb5\u0bcd\u0bb5\u0bb3\u0bb5\u0bc1 \u0baa\u0bca\u0bb1\u0bc1\u0baa\u0bcd\u0baa\u0bc1\u0b9f\u0ba9\u0bcd \u0ba4\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bbf\u0bb1\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0b87\u0ba4\u0bc1 \u0b95\u0bbe\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b87\u0ba8\u0bcd\u0ba4 \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0b87\u0ba8\u0bcd\u0ba4\u0bbf\u0baf\u0bbe\u0bb5\u0bbf\u0bb2\u0bcd \u0b95\u0bc0\u0bb4\u0bcd\u0b95\u0ba3\u0bcd\u0b9f \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0baa\u0bcd\u0baf\u0bc2\u0bb0\u0bcb\u0b95\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bbf\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CIBIL<\/li>\n\n\n\n<li>Experian<\/li>\n\n\n\n<li>Equifax<\/li>\n\n\n\n<li>CRIF High Mark<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>750 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb2\u0bcd<\/strong> \u0b89\u0bb3\u0bcd\u0bb3 \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0ba8\u0bb2\u0bcd\u0bb2\u0ba4\u0bbe\u0b95 \u0b95\u0bb0\u0bc1\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u2013 \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0baa\u0bc1 \u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0bbe\u0b9f\u0bc1, \u0b95\u0bc0\u0bb4\u0bc7 \u0b89\u0bb3\u0bcd\u0bb3 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0b95\u0bbe\u0bb0\u0ba3\u0bbf\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bbf\u0bb2\u0bcd \u0ba4\u0bbe\u0b95\u0bcd\u0b95\u0bae\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u0ba8\u0bc7\u0bb0\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0baa\u0bbf\u0bb2\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0ba4\u0bb2\u0bcd (Payment History)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b87\u0ba4\u0bc1 \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bbe\u0ba9 \u0b95\u0bbe\u0bb0\u0ba3\u0bbf.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b92\u0bb5\u0bcd\u0bb5\u0bca\u0bb0\u0bc1 \u0bae\u0bbe\u0ba4\u0bae\u0bc1\u0bae\u0bcd <strong>Due Date-\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd \u0baa\u0bbf\u0bb2\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd<\/strong>, \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0b89\u0baf\u0bb0\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>\u0ba4\u0bbe\u0bae\u0ba4\u0bae\u0bbe\u0b95 \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0ba4\u0bb2\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba4\u0bb5\u0bb1\u0bb5\u0bbf\u0b9f\u0bc1\u0ba4\u0bb2\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8\u0b95\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>Minimum Due \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0bc1 \u0ba8\u0bc0\u0ba3\u0bcd\u0b9f \u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0ba8\u0bc6\u0b95\u0b9f\u0bcd\u0b9f\u0bbf\u0bb5\u0bcd \u0ba4\u0bbe\u0b95\u0bcd\u0b95\u0bae\u0bcd \u0ba4\u0bb0\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Tip:<\/strong> \u0b8e\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1\u0bae\u0bcd Total Amount Due-\u0b90 \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4 \u0bae\u0bc1\u0baf\u0bb1\u0bcd\u0b9a\u0bbf\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0bbe\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bbf\u0b95\u0bbf\u0ba4\u0bae\u0bcd (Credit Utilization Ratio)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bca\u0ba4\u0bcd\u0ba4 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd\u0b9f\u0bbf\u0bb2\u0bcd \u0b8e\u0bb5\u0bcd\u0bb5\u0bb3\u0bb5\u0bc1 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bbf\u0bb1\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc7 \u0b87\u0ba4\u0bc1.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30%-\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bbe\u0b95 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd \u2192 \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0ba8\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1<\/li>\n\n\n\n<li>50%-\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bae\u0bc7\u0bb2\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd \u2192 \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0baf \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0b89\u0ba4\u0bbe\u0bb0\u0ba3\u0bae\u0bcd:<\/strong><br>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd \u20b91,00,000 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd, \u20b930,000-\u0b95\u0bcd\u0b95\u0bc1\u0bb3\u0bcd \u0b9a\u0bc6\u0bb2\u0bb5\u0bb4\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0bc1 \u0b9a\u0bbf\u0bb1\u0ba8\u0bcd\u0ba4\u0ba4\u0bc1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb9\u0bbf\u0bb8\u0bcd\u0b9f\u0bb0\u0bbf \u0ba8\u0bc0\u0bb3\u0bae\u0bcd (Credit History Length)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0ba8\u0bc0\u0ba3\u0bcd\u0b9f \u0b95\u0bbe\u0bb2\u0bae\u0bbe\u0b95 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bae\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bbe\u0b9a\u0bbf\u0b9f\u0bcd\u0b9f\u0bbf\u0bb5\u0bcd<\/li>\n\n\n\n<li>\u0b85\u0b9f\u0bbf\u0b95\u0bcd\u0b95\u0b9f\u0bbf \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0bae\u0bc2\u0b9f\u0bc1\u0bb5\u0ba4\u0bc1 \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bbe\u0ba4\u0b95\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \u0baa\u0bb4\u0bc8\u0baf \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0bae\u0bc2\u0b9f\u0bbe\u0ba4\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u0b85\u0b9f\u0bbf\u0b95\u0bcd\u0b95\u0b9f\u0bbf \u0baa\u0bc1\u0ba4\u0bbf\u0baf \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0bbf\u0ba4\u0bcd\u0ba4\u0bb2\u0bcd<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0b92\u0bb5\u0bcd\u0bb5\u0bca\u0bb0\u0bc1 \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1\u0bae\u0bcd <strong>Hard Inquiry<\/strong> \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>\u0b85\u0ba4\u0bbf\u0b95 Hard Inquiries \u2192 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0baf\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbe\u0ba9 \u0ba8\u0bc7\u0bb0\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0ba4\u0bbf\u0baf \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0bbf\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u0b92\u0ba9\u0bcd\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b9a\u0bb0\u0bbf\u0baf\u0bbe\u0b95 \u0ba8\u0bbf\u0bb0\u0bcd\u0bb5\u0b95\u0bbf\u0ba4\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd \u0b87\u0ba4\u0bc1 \u0b89\u0ba4\u0bb5\u0bbf\u0baf\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0ba8\u0ba9\u0bcd\u0bae\u0bc8\u0b95\u0bb3\u0bcd:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0bae\u0bca\u0ba4\u0bcd\u0ba4 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd \u0b85\u0ba4\u0bbf\u0b95\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>Credit Utilization Ratio \u0b95\u0bc1\u0bb1\u0bc8\u0baf\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0baa\u0bbe\u0ba4\u0b95\u0b99\u0bcd\u0b95\u0bb3\u0bcd:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0baa\u0bbf\u0bb2\u0bcd\u0b95\u0bb3\u0bc8 \u0b9a\u0bb0\u0bbf\u0baf\u0bbe\u0b95 \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbe\u0bb5\u0bbf\u0b9f\u0bcd\u0b9f\u0bbe\u0bb2\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0bb5\u0bc7\u0b95\u0bae\u0bbe\u0b95 \u0b95\u0bc1\u0bb1\u0bc8\u0baf\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc8 \u0bae\u0bc2\u0b9f\u0bc1\u0bb5\u0ba4\u0bbe\u0bb2\u0bcd \u0b8f\u0bb1\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0bbe\u0b95\u0bcd\u0b95\u0bae\u0bcd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc8 \u0bae\u0bc2\u0b9f\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0bae\u0bca\u0ba4\u0bcd\u0ba4 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0baf\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>Credit Utilization Ratio \u0b85\u0ba4\u0bbf\u0b95\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd<\/li>\n\n\n\n<li>\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd \u0baa\u0bbe\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc8 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0b89\u0baf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0bc1 \u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 Due Date-\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd \u0bae\u0bc1\u0bb4\u0bc1 \u0baa\u0bbf\u0bb2\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd<br>\u2714 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd\u0b9f\u0bbf\u0ba9\u0bcd 30%-\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bbe\u0b95 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd<br>\u2714 Auto-Debit \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 Reminder \u0b85\u0bae\u0bc8\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd<br>\u2714 \u0b85\u0b9f\u0bbf\u0b95\u0bcd\u0b95\u0b9f\u0bbf \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0bbf\u0b95\u0bcd\u0b95\u0bbe\u0ba4\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd<br>\u2714 \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0ba8\u0bc0\u0ba3\u0bcd\u0b9f \u0b95\u0bbe\u0bb2\u0bae\u0bcd Active-\u0b86 \u0bb5\u0bc8\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0ba9 \u0ba4\u0bb5\u0bb1\u0bc1\u0b95\u0bb3\u0bcd (Avoid These Mistakes)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c Minimum Due \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0ba4\u0bb2\u0bcd<br>\u274c Due Date \u0ba4\u0bb5\u0bb1\u0bb5\u0bbf\u0b9f\u0bc1\u0ba4\u0bb2\u0bcd<br>\u274c \u0bae\u0bc1\u0bb4\u0bc1 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb2\u0bbf\u0bae\u0bbf\u0b9f\u0bcd\u0b9f\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0ba4\u0bb2\u0bcd<br>\u274c \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0bae\u0bc2\u0b9f\u0bc1\u0ba4\u0bb2\u0bcd<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bc1\u0bb0\u0bc8<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b9a\u0bb0\u0bbf\u0baf\u0bbe\u0ba9 \u0bae\u0bc1\u0bb1\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd, <strong>\u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bc8 \u0bb5\u0bb2\u0bc1\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bae\u0bcd<\/strong>. \u0ba4\u0bb5\u0bb1\u0bbe\u0b95 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd, \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0bb2\u0bcb\u0ba9\u0bcd, \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1 approval \u0baa\u0bcb\u0ba9\u0bcd\u0bb1\u0bb5\u0bb1\u0bcd\u0bb1\u0bbf\u0bb2\u0bcd \u0b9a\u0bbf\u0b95\u0bcd\u0b95\u0bb2\u0bcd \u0b8f\u0bb1\u0bcd\u0baa\u0b9f\u0bb2\u0bbe\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \u0baa\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0b9a\u0bbe\u0bb2\u0bbf\u0ba4\u0bcd\u0ba4\u0ba9\u0bae\u0bbe\u0b95 \u0b9a\u0bc6\u0bb2\u0bb5\u0bb4\u0bbf\u0baf\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd, \u0ba8\u0bc7\u0bb0\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0baa\u0ba3\u0bae\u0bcd 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\u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bbf\u0bb1\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc7 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0bb8\u0bcd\u0b95\u0bcb\u0bb0\u0bcd (Credit Score) 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