5 Mistakes You Should Avoid in Order to Get a Good Credit Rating

Maintaining an excellent credit rating should be one of the most important financial goals of an individual. In India, CIBIL is regarded as the most important credit rating organisation by lenders. A high CIBIL score indicates you as creditworthy. It will allow you quicker access to financial advances for your personal and professional needs.

Credit rating or CIBIL score is a numerical representation of an individual’s credit history.  It ranges from 300 to 900 and a score of 750 or higher is considered excellent. However, as it deals with your personal financial habits, even the smallest and seemingly arbitrary mistakes can leave a significant impact on your credit score.

So, here are 5 mistakes you should avoid to maintain an excellent credit rating.

1. Missed or late repayments – Your repayment history is one of the most crucial factors that a credit agency uses to determine your credit score. Missed or late repayments of your loans and other forms of advances, or your credit card outstanding impact your credit rating adversely. Credit bureaus will record these missed or late payments on your report and reduce your score.

2. Spending a large part of your credit utilisation ratio – Credit utilisation ratio is the amount of credit you use within your available credit limit. If you utilise 80%-90% of your limit with your credit card on a regular basis, you will be considered as a credit-hungry individual, which will decrease your credit rating. It is advisable to utilise not more than 50% of your available credit to avoid affecting your rating when credit bureaus calculate CIBIL score.

3. Applying for multiple credit cards within a short span – Whenever you apply for a new credit card or a loan, the lenders send an enquiry to know your credit rating. Too many enquiries within a short span of time will make you appear as credit hungry, affecting your CIBIL score.

           

Wait for at least 6 months before applying for a new credit. Also, you can use the website of the financial institutions to know more about various credit cards or loan offers. You will find tools like personal loan eligibility calculator, EMI calculator, etc. that will help you determine the best product you need before applying.

4. Closing older credit accounts – Closing older credit accounts may not always improve your CIBIL rating. It may increase your credit utilisation ratio, which will affect your credit rating adversely.

            

If you want to close credit accounts, close the newer accounts first as your older accounts will have a longer credit history. Doing so will help you improve your CIBIL score.

           

Financial institutions i.e NBFCs offer affordable interest rates and flexible tenors on personal loans. These can help you meet your financial requirements without straining your budget.

5. Not reviewing your credit reports periodically – Periodically check your credit report to ensure there is no inaccuracy affecting your CIBIL score. Payments such as medical billing or a clerical error from the lender or bureau can inaccurately decrease your credit rating. Periodically checking the statements is the only way of detecting such errors.

You can use various websites to check your credit report. Ideally, you should check it once every 3 months. You will also get to know about multiple offers on advances like a personal loan, home loan, or credit cards.

Many of the above-mentioned mistakes will reflect on your credit report and adversely affect your future loan or card application. Understand CIBIL score and avoid these mistakes at all costs to improve your credit rating and improve chances of getting advances like personal loans at the most favourable terms.

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How Long Does it Take to Apply for a Credit Card?

Gone are the days when it used to take weeks extending up to months to complete the entire application process and get approval. Today, you can get a credit card within a few minutes of applying online. However, you need to take into account certain factors to make this process quicker and hassle-free.

Age

The minimum age required to avail a credit card is 18 years. However, some lenders prefer the applicants to fall between 25 and 65 years.

According to CARD Act of 2009, applicants need to be within this age group to justify their repayment capability.

Income

A higher salary means more money available to repay the debt. Therefore, your income is an essential qualifying factor to a card issuer. So, before you apply for a card, you should note the minimum income requirement. It is always in your interest, to be honest with your income. Fraudulency may land you into trouble, further lengthening the process.

Credit score

Your credit score is another factor that can quicken the application process. A score of 750 and above gets a nod instantly. Contrarily, lower CIBIL score streamlines the chances of receiving a negative result too.

You may also have a fair chance of prompter approval if you have minimum debt.

Documents required

Lenders ask for a few documents to complete the formalities. Keeping these requisites handy also fasten the application procedure considerably. You typically need to provide:

● KYC documents

● Salary slips

● IT returns and business vintage proof for the self-employed

● Address proof

You can get approval within a few seconds post verification of these documents.

Check out the availability of pre-approved offers for instant approval

Pre-approved offer is a new-age facility offered by NBFCs like Bajaj Finserv. It provides customised offers on credit cards, and a host of financial products & services. It not only simplifies the entire process of application but also saves a lot of time. You can check your pre-approved offer by entering a few required details online.

It should not take you more than 10 minutes to complete the online application process, provided you strictly abide by their requirements.

So, help your card issuer with all the possible measures to complete the application processing at the earliest. There are NBFCs which come with hassle-free procedures. For example, the Bajaj Finserv RBL Bank SuperCard comes with a less stringent application process and faster approval.

Applying for a new credit card isn’t too hard nowadays. However, no approval is instant if an applicant ends up making an error. Applicants can check the application status online.

Some more tips to speed up the process

a) Avoid making any mistake in the form as incorrect information often lengthen the process & may also lead to rejection.

b) You shouldn’t apply for multiple cards at the same time as lenders may perceive you to be credit hungry.

c) Moreover, there might be a delay if you reside at an unserviceable location.

d) Lenders also don’t entertain past defaulters.

It’s mandatory to comply with these points mentioned above for a speedy process.

Now, getting hold of the card in real time is not the ultimate thing. You must also know how to use credit card properly. Set a sensible credit limit, keep track of your expenses, pay the due on time and build your credit score eventually.

Unfortunately, credit cards have an online manual for the application process but not for your expenditure habit. So, apply for the best credit cards and use them as budgeting tools to dramatically influence your financial condition.

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How has technology changed over the time in water filters?

Filtering water has always been done from ancient times or even much earlier. The demand of clear and fresh water has always been there. The perception of clean and transparent water has been in our minds because of the quality of water from rivers. Anything less than or not equivalent to the river water was considered dirty without going deeper about the microorganisms present in it or not. The criteria in those times were that water should be clear because they knew that there isn’t anything that could pollute the water unlike today. Nowadays we have a whole lot change in the scenario, with the use of high amounts of chemicals and the waste product being thrown in rivers, the filtration has become a task. But, how much has the technology changed over the years as far as the water purifiers are concerned?

A lot has changed over the years and the concept of filters has totally reinvented itself. In those times when there were no filters and there were no signs of heavy pollution, the water was collected in containers and was allowed to settle down. This would settle the heavy particles present in the water to settle down under the gravity and would get collected at the bottom of the container, leaving the upper portion of the container filled with clean drinking water. But, slowly as the man progressed, so did the pollution level and the need of something different was felt. Then the water was filtered using a cotton cloth. Water would be poured into another container, keeping a cotton cloth as a filter; because of this heavy particles got trapped in it allowing the clean water to pass through. Again, this wasn’t enough as the time passed; people started boiling the water, which would kill the germs and later cooling and using it for drinking. This was possibly the best method, but it involved a lot of time consumption. Soon the filter candles came into existence, the water would pass through the cancelled placed upside down in a container on the upper side, giving cleaner water underneath.

Other processes involved reverse osmosis, UV and UF filtration. The reverse osmosis process is the widely used technology where the water is made to pass through a membrane with the reverse osmosis process. In UV filtration, a UV source is provided and water is made to pass through the UV light. After coming in contact with the UV rays, it kills the bacteria leaving clean water forward. Ultra filtration is similar to reverse osmosis, the difference being, in UF the pressure applied is higher and it filters the water based on the absorption amount and the diffusion rate.

Water purifiers were confined to only houses, but now the 1000 litre per hour RO plant are being installed and setup to provide a clean and fresh drinking water to a higher number of people at a time. The plant working is similar to the ones installed in our house; they are being larger in size. The RO water purifier 1000 lph price varies with the specifications and brands, also depending upon the services provided.

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Follow Essential Tips and Take Care During Pregnancy

You need to watch what you eat. Listen to your body and feed when cravings occur. You have the responsibility to take care of the world inside you.

Here are 7 important tips you must follow during your pregnancy. You can also take help from forums for pregnant women.

Tips and Take Care During Pregnancy

1. Take Some Rest

Your body is working very hard to grow the baby inside you. Reduce your waking hours and do not push your body beyond limits. Ensure you get plenty of sleep overnight. Ask others for help, whether it be lifting heavy boxes or doing a little housework. Try to take naps during the day if possible.

2. Reduce stress

Stress has a negative effect on your emotional and physical health. Try yoga, meditation, and massage to bring your mind into a peaceful state.

3. Go for Prenatal Vitamin

It is necessary to start taking prenatal vitamins. Your baby's neural cord develops within the first month of pregnancy. So it's important for you to get essential nutrients, like folic acid, calcium, and iron, from the starting. Prenatal vitamins are available in medical stores but get it prescribed from your doctor.

4. Stay Hydrated    

Drink a minimum of 10 full glasses of water daily. Less water consumption can cause morning sickness and tiredness.

5. Nutrition and Supplements

A well-balanced diet includes:

•fruits

•vegetables

•low-fat dairy products

•whole-grain bread

Ø  Iron

Iron is responsible for hemoglobin, the oxygen-carrying component of red blood cells. Red blood cells flow throughout the body to provide oxygen to all its cells. Therefore, pregnant women need about 30 mg of iron every day.

It's important for pregnant women to get enough iron in their daily diets for themselves and their growing babies.

Some iron-rich foods include:

•red meat

•salmon

•eggs

•enriched grains

•dried beans and peas

•dried fruits

•iron-fortified breakfast cereals

•dark leafy green vegetables

Ø  Calcium

Most women above 20, don't often get the daily 1,000 mg of calcium. You must take proper calcium in order to prevent calcium loss from your bones.

Natural Source of Calcium:

•low-fat dairy products including milk, cheese, and yogurt

•orange juice, soy milk, and cereals

•green vegetables including spinach, kale, and broccoli

•dried beans

•almonds

Ø  Folic Acid

Consuming folic acid supplements for 1to 3 months of pregnancy can decrease the risk of neural tube defects. While buying a supplement, remember it must contain folic acid.

6. Track Your Weight Gain

Gaining extra pounds may become harder to lose. And not gaining enough weight can put the baby at risk for a low-weight birth or major problems..

Woman's BMI (body mass index) before pregnancy:

- Underweight Woman: Gain 28-40 pounds

- Normal weight Woman: Gain 25-35 pounds

- Overweight woman: Gain 15-25 pounds

- Obese: Gain 11-20 pounds

7. Stay away from alcohol and drugs.

Drugs and alcohol which you consume can get into baby's bloodstream. They increase the risk of miscarriage and stillbirth

Summing Up

Stay happy, be positive and surround yourself with positive vibes. You can take help from the support forum for pregnancy to know more about pregnancy.

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Water purifier help to clean the seawater into unadulterated water

The new kind of water industry is the water purifiers. Water cleaning is a hugeness of changing the seawater or saltwater into unadulterated water or drinking water. Because of the trademark water on the land is getting the lesser and the amount of inhabitants in human is developing, along these lines we found another system to pass on average water from seawater. Seawater source is such a fantastic whole on Earth, so this technique is altogether making far and wide. Seawater can't eat up by human since it includes high salt part, for example, sodium chloride this reason our body excessively expensive to debilitate the seawater. Eureka Forbes ro service centre Faridabad is amazingly mind boggling to give best RO organizations. Water treatment process passes on different significances to the general populace today. 

One of the significances of water treatment process is to guarantee that water is increasingly appropriate to be utilized by associations and people. The clarification behind water treatment process is to expel pollutions from water, with the target that it would be all the more fitting for it to be utilized. There are a few philosophy that can be utilized to regard water, for example, filtration, purifying that is basically being used to clean water.

•     Water is the course to a man's survival in light of the route that without water survival is basically incomprehensible. In this manner, it is fundamental to ensure water is cleansed with the genuine target to drink generally microorganisms in the water can be unsafe to your organs at whatever point alcoholic in like manner use. As appeared by a general research, an expansive number of individuals at their fundamental ages pass on from water envisioned ailments in most by a wide margin of the creation nations. Hence, it is fundamental to get the best treatment of the water for a solid living. Water treatment industry can be astoundingly useful for the general populace today since they are sparing the lives of different genuine individuals who pass on from lethal pollutions, for example, cholera, typhoid which cause by expending corrupted water.
•    The likelihood of desalination anticipates that a fundamental occupation should give us the tireless supply of water as the ocean water is a boundless asset. Ocean water desalination process is genuinely done by changing over salty ocean water into crisp usable water. Advance cleaning of the ocean water after the desalination procedure can change over it into drinking water. These associations are essential to guarantee that there is satisfactory water supply as the general population is making and developing quickly.
•      These are the certified occupations of the water treatment plants in. Water is a boss among the most fundamental assets for a stunning term and it is the basic Earth's standard assets. Changing over saltwater to freshwater is all around too costly to even consider being in any way utilized for private, mechanical and other freshwater organizations. Eureka Forbes ro service Faridabad can control you if you require any sort of water purifier organizations.

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Upcoming Music Concerts in India to Let your Hair Down

Music concerts in India have upped their game where there are not only national artists but international artists involved which will make Indian citizens groove to their music. That being said, one cannot miss the various music genres which one can listen to in the upcoming music concerts in India which is surely a treat for the ears.

Sunburn

Sunburn is the best music festival to end the year with where the excitement for this music concert is evident as ever. Sunburn is also expanding its horizons which bring a lot of artists on a single stage. This year will feature some of the biggest EDM artists which include Alan Walker, Axwell Λ Ingrosso, Siana Catherine and Salvatore Ganacci. The headlining acts include Nucleya where it couldn’t get any better. The festival is conducted on 28th to 29th December in Hyderabad and Kolkata and on 29th to 31st December in Pune.

Mahindra Blues

This is Asia's largest celebration of Blues Music which returns with another much-awaited edition. This year’s line-up includes the American Blues musician Charlie Musselwhite, Beth Hart, Sugarray Rayford, Brandon Santini and Arinjoy Trio. If you have never attended this music concert before then you got to experience this music event which will make you hear the most soulful music ever. This is conducted from 9th to 10th February in Mumbai.

Goa Sunsplash

Because of the music fest under its way, January is the best time to visit Goa. This will also make the vacation vibe better if you are a fan of reggae music. There are many artists in this music concert like Channel One Soundsystem, Anthony B, ZJ Liquid, and Egoless, which makes it a pretty good reason to attend the music event. This concert is held at Goa on 12th to 13th January.

Supersonic

This concert is due February but it doesn’t mean that you can’t plan now. The biggest headliners of this addition are Bonobo and Marshmello. There are also many more big names to be announced but it doesn’t mean that you shouldn’t start booking for this multi-genre music festival now.

Timeout 002: Cyberpunk City 

This is a 1-day event which is hosting the best energetic names from the electronic dance music industry like Nervo, Carnage, Oliver Heldens, etc. This is also supported by the top-quality international artists like Justin Oh, Plastik Funk, etc. The event has drawn its inspiration from the future where the theme of this edition has a complete look and feel of the Cyberpunk Universe with elements like future Utopia, Artificial Intelligence, Cybernetics employed, etc. This event also provides the audience with a state of the art experience which involves a lot of famous artists, installations and special performers. This event also has a special closing ceremony.

There are also many more music events lined up. So, what’s the wait? End this year or begin the next year with a bang with these music concerts which will help you have a gala time.

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9apps – Better Place For Getting Wide Range Of Apps

Now, most of the people want to use alternative app store instead of inbuilt one in device. If you are looking for alternative platform for getting apps, you can switch over to 9apps install download. It gives enough range of application for those who seek best one. Users can extreme range of contents at a single place. It is designed with bundle of content that beneficial for people. If you need application, you can just log in to app store and access desired one in a quick way. It offers different trending apps to users.

This is a most popular one in market today. It is suitable for people live in major countries. It is regarded as third party platform that provide huge variety of files. Presently, this is not available in google play store. People visit official site of store and keep an eye on latest version. Downloading and installing latest version is main factor of people when using app store. People launch this one easily in phone or PC by simply meeting the system requirements. Getting application is really easy in this source. All must do to simple steps to gain handy apps. 

Obtain the apps quickly:

It becomes popular choice of users wish to get content. It gives application in different forms. You can see applications like lifestyle, media, business, beauty, health, ringtones, wallpaper, and others. If you are game enthusiasts, you can move game category and pick up desired one you want. You can access gta vice city mobile game download and install from this place. It is one of most famous game. It is otherwise called as grand theft auto. It is completely action oriented mission game. Users follow proper steps to download and install the best one on any kind of device. This is compatible with any kind of device.  Users follow simple steps to obtain game app.  This platform manages latest and updated version of content that suit needs of users. People get fantastic game experience by playing this kind of action game in mobile. Prior to download game, you can check few important things like

* Name and size of game

* Last update

* Number of downloads and others

Manage excellent feature of app:

The app store is designed with excellent feature that definitely attract users very much today.  People just enable unknown source option in device and then install anything in phone in an easy manner. Users never face any issues regarding downloading from this store. It gives full support to people at the time of downloading content. Users get ready to use this one on device once launch this app store. So, people must understand best features of store and take mandatory application within a few clicks. If you find desired file, you must immediately hit download button and install it. People just tab icon available in smartphone and search for best content in this source. You can get application details in this platform.

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