Credit card without good cibil score: Is your credit score low or bad? Or have you never used a loan or card before, so that the score has not been made? If yes, it can be a little difficult to get a credit card, but you do not have to get upset. Actually, today the credit card has become a need. Credit card is useful everywhere in online shopping or emergency. But when the score is not good, banks or credit card companies reject the application. In such a situation, the question arises, how to get a credit card in a low score? In this article, know how to get a card in a bad or zero credit score, which cards are right for such users, which documents will be needed and how can you improve your score?

What is a credit score? (What is a credit score)

Credit score is a 3 digit number, which shows your loan repayment capacity. It is made agencies like CIBIL, Experian, Equifax. It has 300 to 900 score range. A score of more than 750 is considered good and is considered less than 600 weak or poor score.

How to get a credit card in a low CIBIL score?

Take a secured credit card

If your score is low, then the easiest way is the Secure Credit Card. This card is given to you in lieu of fixed deposits (FD) in the bank. The card limit is based on your FD amount. Payment on time also improves the score.

Choose cards with low income or no credit history

Some banks have cards that are created for new users or low income. They do not have very difficult rules of score for approval. These include cards like Amazon Pay ICICI Credit Card and Airtel Axis Bank Card.

Take an ad-on card of a family member

If someone has a credit card in your house, then they can give you an ad-on card. This also makes your credit history build. This is a good option when CIBIL or credit score is low.

Why is it necessary to improve CIBIL score?

• You will get a loan easily.
• Loan approval can be found at low interest.
• The card limit will be high.
• It is easy to take home, car or business loan.

How to improve credit score? (How to improve credit score)

• Make bills and credit card payments on time, do not miss any payment.
• Do not use the card for more than 30%, clear the old du.
• Think before closing the old loan or card.
• Do not put several credit applications simultaneously.

What do experts say about improving credit score?

Experts say, 'If you want to improve credit scores quickly then the secured credit card is the easiest and reliable way. With this you can also spend and create credit history.

What documents are required to get a credit card?

Aadhar card

PAN card

Address proof

Income proof -like salary slip, ITR

FD slip for secured card