New Delhi, Aug. 19 -- Credit score: If you are a credit card user or a loan borrower, you must be aware of the role that your credit behaviour plays in building your credit score. Based on your repayment schedule, your credit score tends to get positively or negatively impacted, as the case may be.

For instance, if you repay yourcredit card bills andpersonal loan EMIs well in time, then it reflects positively on yourcredit score. On the other hand, if you falter on repayments, then your credit score gets negatively impacted.

Someone with ahigh credit scorecan negotiate for better terms and conditions with regard to apersonal loan. On the contrary, someone with a poor credit score finds it hard to secure a loan, at least on convenient te...