New Delhi, April 21 -- A credit score of 650 is treated as a 'fair' score in India by leading credit bureaus. Now given it is not the worst still it can limit access to prime financial products such as premium credit cards or personal loans on low interest rates.

As a norm, according to top tier credit bureaus such as CRIF High Mark, Experian, CIBIL, Equifax among others, leading financial institutions prefer a score of over 750+ before considering offering attractive personal loan terms and credit cards to applicants.

Now, with sincerity and discipline in sustaining proper credit behaviour a jump from a credit score of 650 to a credit score of 750 is possible.

The idea is simple, the higher the credit score of an individual borrower, ...