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The creditworthiness of a person is inferred by a credit score. It is a number anywhere between 300-850 with 300-629 (bad), 630-689 (fair), 690-719 (good), 720-850 (Excellent). The higher your creditworthiness, the lower the risk for the financial institution lending you money and vice versa. That’s why it is very vital to maintain a good credit score for the ease of taking credit as and when the need arises. Here’s your go-to guide to upholding a good credit score: Pay your bills timely:  Well, yes. Stating the obvious, if you will pay your bills as soon as they become due or even before the due date, you will make it to their good books. So, for achieving or maintaining a good credit score keep on paying your bills on time. Pay your instalments on time: So, why do you take credit cards? For the benefits, right? So needless to say one of the most important factors is that it can help you buy maybe your dream car, your dream house, etc. Now when you buy them in instalments using y

Looking for a credit card that provides you the highest value but at low rates? Then you reached the right blog. We have listed down the top 5 Best credit cards for beginners in 2022. Since we are focusing on beginners we will be discussing the entry-level credit cards that are worth consideration. Keep reading to know the features and benefits of the below-mentioned credit card: Credit Cards Joining Fee Renewal Fee Citi Cashback Credit Card  Rs. 500 Rs. 500 Axis Bank Ace Credit Card Rs. 499 + GST Rs. 499 + GST SBI SimplyCLICK Credit Card Rs. 499 + GST Rs. 499 + GST Flipkart Axis Bank Credit Card NIL NIL Amazon Pay ICICI Bank Credit Card NIL NIL Citi Cashback Credit Card CitiBank offers a credit card to meet the shopping requirements of the cardholders. You can shop as well as dining benefits on the Citi Cashback credit card . The cashback earned is credited to your account. Read on to know the benefits of this credit card: Earn 0.5% cashback on all your spendings. Earn 5% cashback up