💥 30 Din Mein CIBIL Score 600 Se 750 Kaise Kare – 2025 Ki New Trick (Full Step-by-Step Guide)
Keywords: improve CIBIL in 30 days, 600 to 750 CIBIL fast, how to fix CIBIL score India, low CIBIL score loan trick
🧠 1. Sabse Pehle Apna CIBIL Score Free Mein Check Karo
Shuruaat usi cheez se karo jo fix karni hai – apna current score aur CIBIL report check karo:
✅ www.cibil.com
✅ OneScore / Paytm / KreditBee app se bhi free CIBIL milta hai
Check karo:
- Kya koi settled ya written-off account hai?
- Kya koi late EMI ya missed payment hai?
- Aapka credit card utilization kitna hai?
🚨 2. Identify Karo – Kya Galti Ho Rahi Hai?
Low score ke common reasons:
- Late ya missed payments
- Credit card limit ka 80%+ use
- Loan settlement without full payment
- Zyada baar loan ke liye apply karna (multiple inquiries)
📆 3. 30 Din Ka Daily Plan – Fast CIBIL Score Boost Formula
| Din | Action |
|---|---|
| Day 1–2 | Apna pura credit report read karo |
| Day 3–5 | Overused credit card ko 30% usage tak lao |
| Day 6–8 | Koi bhi baki EMI/bill ho to pay karo |
| Day 9–12 | Galti wali entry pe CIBIL dispute file karo |
| Day 13–15 | FD-based secured credit card apply karo |
| Day 16–20 | Auto-pay setup karo EMI & bills ke liye |
| Day 21–25 | EMI time pe do + kuch small purchase karo |
| Day 26–30 | Loan inquiry avoid karo, score track karo |
💳 4. Magic Trick – Secured Credit Card
Agar CIBIL low hai to regular card nahi milega.
To ye lo secured card, jise milta hai 100% approval:
✅ ICICI Coral FD Card
✅ Axis Insta Easy Card
✅ SBM Card (without income proof)
➕ Isse score fast badhta hai kyunki repayment timely hota hai.
📈 5. Credit Mix Improve Karo
Sirf loan ya sirf card se score slow badhta hai.
👉 Ek secured credit card + ek small loan (consumer durable ya gold loan) rakho.
Ye mix score improve karta hai fast.
❌ 6. Ye 5 Galtiyaan Mat Karna – Score Dub Jayega
- Har jagah loan apply karna
- Sirf minimum due dena
- Credit card cash withdrawal
- EMI bounce
- Daily report check (Hard pull)
📊 7. Kitna Score Badh Sakta Hai 30 Din Mein?
- 15–20 points: within 10 days
- 50–100 points: within 30–45 days
- Agar consistent raho to 750+ ho sakta hai 2-3 mahine mein
📌 Note: CIBIL har mahine update hota hai.
💬 8. Fast Help Chahiye? Expert Se WhatsApp Pe Baat Karo
📲 Free + Paid Guidance:
👉 Chat karein: [WhatsApp Link]
Aapko milega:
- Personalized Daily Plan
- Dispute help
- Credit card suggestion
- Loan options with low score
🔚 Conclusion
✅ 30 din mein CIBIL score 600 se 750 possible hai
✅ Bas daily ek-ek step follow karo
✅ Agar confusion ho – WhatsApp par expert help lo
🔥 Top 30 Companies for Loan + Credit Card with Low CIBIL Score (2025 Updated)
| # | Company Name | Loan Facility | Credit Card Option | CIBIL Requirement |
|---|---|---|---|---|
| 1 | SBM Bank | Personal Loan | SBM OneCard (Secured) | No CIBIL check |
| 2 | OneCard | – | FD-based Secured Credit Card | No CIBIL needed |
| 3 | AU Small Finance Bank | Personal/Gold Loan | LIT Credit Card (Secured also) | Low CIBIL accepted |
| 4 | IDFC First Bank | Personal Loan | Pre-approved CC with FD | 600+ workable |
| 5 | ICICI Bank | Pre-approved Loan | Coral Secured Credit Card | Secured ke liye no CIBIL |
| 6 | Axis Bank | Insta Loan | Axis Insta Easy Credit Card (FD-based) | Low score eligible |
| 7 | HDFC Bank | Insta Loan, FD Loan | MoneyBack+ Secured Card | Low CIBIL via FD |
| 8 | Bajaj Finserv | Consumer Durable + Personal Loan | EMI Card | 580+ acceptable |
| 9 | KreditBee | Instant Personal Loan | KreditBee Card (Prepaid/Credit) | 580+ workable |
| 10 | Slice | SlicePay Loan | Slice Card | 600+ accepted |
| 11 | LazyPay | Buy Now Pay Later Loan | LazyCard | Soft CIBIL check |
| 12 | ZestMoney | EMI Loans | ZestMoney Card | No hard CIBIL |
| 13 | Paytm Postpaid | BNPL Loan | Paytm Credit Card | Soft CIBIL |
| 14 | MoneyTap | Credit Line Loan | Visa Credit Line Card | 580+ workable |
| 15 | StashFin | Personal Loan | StashFin Credit Line Card | 600+ workable |
| 16 | mPokket | Student Loan | Prepaid Credit Limit | CIBIL not needed |
| 17 | TrueBalance | Instant Loan | Recharge Credit | Low CIBIL accepted |
| 18 | FlexSalary | Salary Advance | Credit Line Card | No strict CIBIL check |
| 19 | Navi | Personal Loan | Health EMI Card | 600+ workable |
| 20 | CASHe | Instant Loan | CASHe Credit Card | Soft CIBIL pull |
| 21 | EarlySalary (Fibe) | Quick Loan | Credit Card+App Wallet | 600+ accepted |
| 22 | Kissht | EMI Loan | Kissht Credit Card | 600+ workable |
| 23 | Home Credit | Consumer Loans | Credit Card options | Low CIBIL accepted |
| 24 | L&T Finance | Personal Loan | No direct card but EMI-based loan card | 600+ ok |
| 25 | IndusInd Bank | Pre-approved Loan | Legend Secured Credit Card | Secured via FD |
| 26 | Standard Chartered | Insta Loan | Platinum Secured Card | FD-based card ok |
| 27 | State Bank of India (SBI) | Xpress Credit Loan | SBI Unnati Secured Card | No CIBIL for FD Card |
| 28 | Bank of Baroda | Mudra/Gold Loan | BoB Prime Secured Card | FD-based only |
| 29 | YES Bank | Personal Loan | YES Premia Secured Card | Low score via FD ok |
| 30 | PNB | Mudra Loan | Secured Credit Card on FD | No CIBIL for FD route |
🧠 Bonus Tip:
Low CIBIL wale users ke liye best strategy hai:
- FD banayein ₹10,000 – ₹20,000 ka
- Secured credit card lein us bank/NBFC se
- 3–6 mahine timely use karke score improve karein
- Uske baad personal loan apply karein high chances ke saath
✅ Banks CIBIL Score “Improve” karne mein kaise madad karte hain?
1. Secured Credit Card ke zariye
- Agar aapka score low hai, toh bank aapko FD ke against secured credit card deta hai
- Aap is card ka sahi tarike se use karke 3-6 months mein score improve kar sakte hain
📌 Example:
- SBI Unnati Card
- ICICI Coral Secured Card
- Axis Insta Easy Card
2. Small Personal Loan ya Gold Loan
- Bank agar aapko chhota loan deta hai (jaise ₹50,000 gold loan), aur aap uski EMI time se bharte ho, toh wo CIBIL me positive history banata hai
📈 Isse score fast improve hota hai
3. Existing Loan Account pe Closure & Dispute Help
- Agar aapka koi loan “settled” status me hai, toh bank se request karke “Full & Final” payment karwa ke status “Closed” kara sakte ho
- Isse CIBIL report clean hoti hai
🧾 Aapko bank se NOC (No Objection Certificate) lena hota hai aur CIBIL ko update karwana padta hai
❌ Lekin Bank Directly CIBIL Repair Nahi Kar Sakta
- Bank ke paas aapka score change karne ka control nahi hota
- Sirf wahi data report karte hain jo aapke account ka actual status hota hai
- CIBIL bureau independent hota hai (TransUnion)
🧠 To Kya Karein?
✅ Aapka Action Plan:
- Bank me FD banayein aur secured credit card lein
- Koi chhota gold loan / consumer durable loan lein
- Time pe EMI + credit card ka payment karein
- Old loans ka “settlement” hataayein ya NOC lekar close karein
- CIBIL par galat entries ka dispute raise karein
💥 CIBIL Score Kam Hone ke 10 Major Reasons – Pura Sach 2025 Mein (With Fix Tips)
अगर आपका CIBIL Score गिर गया है और आपको समझ नहीं आ रहा कि क्यों, तो ये आर्टिकल सिर्फ आपके लिए है। यहाँ हम CIBIL Score कम होने के 10 सबसे बड़े कारण और उनके समाधान बताएंगे।
📌 CIBIL Score Kya Hota Hai – Short Summary
CIBIL Score ek 3-digit number hota hai (300–900 ke beech), jo aapke credit behavior ko dikhata hai.
Agar aapka score 750+ hai to aapko loan, credit card etc. easily milta hai.
Lekin agar score 600 se नीचे चला जाए – to loan reject hone lagta hai.
To score kam kyu hota hai? Chaliye sabse common reasons samjhte hain:
❌ 1. EMI aur Credit Card Bill Late Payment
🔎 Kya hota hai?
Aapne apna loan ya credit card ka bill due date ke baad pay kiya – toh CIBIL me “DPD” entry ban jata hai (Days Past Due).
📉 Impact:
- Har late payment CIBIL ko 20–60 points tak gira sakta hai
- Multiple late payments = Long-term damage
✅ Solution:
- Auto-debit setup karo
- Credit card ke “minimum due” nahi, pura amount time pe pay karo
- EMI ko 1-2 din pehle hi clear karo
❌ 2. Credit Card Limit ka Zyada Use Karna (High Utilization)
🔎 Kya hota hai?
Aap apne card ki limit ka 80–100% use karte ho, har mahine.
📉 Impact:
- CIBIL lagta hai aap “credit hungry” ho
- Score 40–100 points tak gir sakta hai
✅ Solution:
- Hamesha apne limit ka 30% ya usse kam use karo
- Multiple cards le lo aur usage divide karo
- Zyada expense debit card se karo
❌ 3. Loan Settlement (Part Payment karke Close Karna)
🔎 Kya hota hai?
Aapne apna loan puri tarah repay nahi kiya, balki bank se settlement karke thoda paisa diya.
📉 Impact:
- CIBIL Report me “Settled” status dikhta hai
- Bureaus trust nahi karte – future loans reject
✅ Solution:
- Bank se “Full & Final” NOC lo
- Us status ko “Closed” karwane ke liye CIBIL me dispute file karo
- Settlement avoid karo jab tak emergency na ho
❌ 4. Multiple Loan Apply Karna (Too Many Enquiries)
🔎 Kya hota hai?
Aapne ek hi time pe 3–5 jagah loan ya credit card ke liye apply kar diya.
📉 Impact:
- Har application = ek “hard enquiry” CIBIL me
- Score 5–10 points per enquiry girta hai
✅ Solution:
- Loan ek jagah pe achhe se research karke apply karo
- Paisabazaar, Bank Bazaar jaisi site pe soft check karo pehle
- Within 2–3 months zyada baar apply mat karo
❌ 5. Credit Card Ka Minimum Payment Karna
🔎 Kya hota hai?
Aap har mahine credit card ka sirf “minimum due” amount pay karte ho.
📉 Impact:
- Baki amount interest ke saath grow karta hai
- Aapka credit utilization badhta hai
- CIBIL ko lagta hai aap financially weak ho
✅ Solution:
- Hamesha pura outstanding amount pay karo
- Minimum due = trap hai, isse avoid karo
- EMI conversion option use karo high bill ke time
❌ 6. Credit History Ka Short Duration Hona
🔎 Kya hota hai?
Aapka CIBIL report me credit history sirf 2-3 mahine ya 1 year ki hai.
📉 Impact:
- Bureaus aapko risk consider karte hain
- Score 700+ banana mushkil hota hai
✅ Solution:
- Secured credit card lo aur uska use 6–12 mahine tak maintain karo
- Long-term EMI product lo (Consumer Durable Loan)
- Existing credit accounts ko bina reason close mat karo
❌ 7. Old Loan Ya Credit Card Ko Close Kar Dena
🔎 Kya hota hai?
Aapne apna ek old credit card ya loan account close kar diya jo time se repay ho raha tha.
📉 Impact:
- Credit history ka length kam ho gaya
- Score 30–50 tak gir sakta hai
✅ Solution:
- 1 ya 2 old account ko maintain karo even if you don’t use it
- Small transaction monthly karo aur bill time pe bhar do
- Oldest card ko kabhi bina soch band mat karo
❌ 8. Loan/EMI Bounce Hone Ki History
🔎 Kya hota hai?
Bank account me paise na hone ki wajah se EMI ya ECS bounce ho jata hai.
📉 Impact:
- Serious negative impact on report
- Bank future me auto-debit reject kar deta hai
- Score girta hai fast
✅ Solution:
- EMI date se 2 din pehle balance ensure karo
- UPI/Wallet se EMI mat bharna – only NEFT or Auto-Debit
- Repeat ECS bounce = red flag
❌ 9. CIBIL Report Me Galat Entry Ya Fraud Account
🔎 Kya hota hai?
Kahi baar aapke CIBIL report me koi aisa loan dikhta hai jo aapne liya hi nahi.
📉 Impact:
- Fraud account ya bank ki reporting mistake
- Aapka score bina wajah down ho jata hai
✅ Solution:
- Har 3 mahine me report check karo
- CIBIL.com ya OneScore app se
- Galti mile to immediately “Dispute Raise” karo CIBIL pe
❌ 10. Multiple Active Loans Aur EMI Load Zyada
🔎 Kya hota hai?
Aapke naam pe already 3–4 loans active hain (personal loan, bike loan, EMI, etc.)
📉 Impact:
- Bank sochta hai aapke upar zyada loan burden hai
- New loan reject ya high interest
- Score bhi 20–50 points tak gir sakta hai
✅ Solution:
- Ek loan close karo before new one
- Small gold loan repay fast
- Loan closure letter zarur lo
🎯 Bonus Tip – Hidden Factors Jo Score Ko Affect Karte Hain
- Joint account me kisi aur ka default
- Guarantor banne se aapka bhi score risk me aata hai
- CIBIL par frequent hard inquiry karne se alert flag lagta hai
🔚 Conclusion: Ab CIBIL Score Kam Kyu Hota Hai – Ab Clear Hai!
👉 Ye 10 major reasons hi 90% logon ka CIBIL girne ka reason hote hain
👉 Inko avoid karke aap apna score 6 mahine me easily 750+ kar sakte ho
👉 Discipline, timely repayment aur smart use se score banaya ja sakta hai
📲 Need Help? WhatsApp Pe Direct Help Milega
Agar aapka score kam hai aur loan reject ho raha hai, to:
✅ Expert se baat karein
✅ CIBIL Dispute, Loan Planning aur Credit Card Setup ke liye help milegi
👉 Chat Now: +91 7004683698
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