New Delhi, May 1 -- A credit score of 670 is not considered a healthy credit score in India. Such a score can pose serious challenges when the borrower applies for a new credit card or a personal loan.

Still, there are strategies that can boost and enhance the chances of approval, even with a low credit score.

According to Sameer Mathur, MD and founder of Roinet Solution, "If your credit score is around 670, obtaining a credit card is still possible with the right approach. Begin by considering a secured credit card, which offers high approval rates and helps rebuild credit."

He adds, "Check for pre-approved offers to avoid hard inquiries that could further impact your score. Providing proof of steady income or applying with a co-appli...