Credit score, Sept. 24 -- Whether you seek a loan or a credit card, lenders tend to check your creditworthiness through your credit score.

If you are new to loan applications and credit cards, make sure to understand how the credit score works. From payment of your credit card bill to cancellation of the card - every financial decision has a direct or indirect impact on your credit score. Here we give a lowdown on the maze of credit score and how it is shaped by your credit behaviour.

If someone is new to the world of loans and credit cards, it is important to make note of these key points.

I. Where to check: At the outset, a credit score can be checked by one of the four credit information companies (CIC) in India: Equifax, CIBIL, CRI...