Credit habits to implement for a smooth credit card and loan journey
                     Credit habits to implement for a 
smooth credit card and loan journey
Credit cards and loans can be the best source to 
fund up during emergencies. If credit is handled 
with care, it brings the best results. Credit sources 
have been very useful to meet financial 
emergencies. Both loans and credit cards can be 
very beneficial to fulfill the needs that arise with 
time. While a loan can be taken for a big need, 
credit cards can be used to make small purchases 
instantly without paying at that moment.
 
Credit habits to implement for a smooth 
credit journey
• You reap benefits only when you maintain good 
credit health. Maintaining good financial practices 
and good credit health can make you a reliable 
borrower. To win the trust of the financial 
institutions, you need to have a good credit history. 
The moment you apply for a credit card or a loan, 
you will have to face issues regarding the 
credit score. Benefits of credit resources like loan 
and credit cards are unending, but a default can 
mess up your credit history. It becomes a bad 
situation from a win-win situation.
 
Pay bills on time
Paying bills on time is not an 
option, rather a necessity. Paying 
bills on time is a sign of honesty 
and responsibility. Honest 
borrowers are always rewarded by 
financial institutions in the form of 
credit cards, pre-approved loans, 
and upgraded accounts. 
Control credit card 
expenses
• Credit cards need to be used very 
judiciously. A credit card is an instant 
credit available to make small purchases. 
However, such ease can lead to 
overspending. This becomes a burden 
later on when the bill is generated and you 
do not have enough funds to pay. 
• Thereafter, if you miss the bill payment 
you do injustice to your credit score and 
affect your credit history. It takes a lot of 
time to get back to a good score. Keep 
access to credit cards for an emergency 
when you have a shortage of cash, but not 
for anything and everything. 
Say no to frequent credit
• A habit to borrow can never give you a 
smooth credit journey. Borrowing is 
only suitable when you are in an actual 
need or an emergency. If you have the 
habit to apply for loans or credit cards 
frequently out of fund that can be 
misleading. Remember, every time the 
amount you borrow results in paying 
more. 
Apply for the right loan amount
• Take an informed decision regarding the 
loan amount. Make sure you do not borrow 
more or less than required. More than the 
required fund can be a burden followed by 
an extra payment of interest and heavy 
installment. Keep it simple; borrow wisely 
the amount only that you require. 
•  An end note, when you responsibly handle 
credit, it comes with perks and benefits. It 
makes your life easy and helps you 
overcome emergencies. Be responsible 
with your payments and the way you 
handle debt. For all the newbies in the 
credit line, be wise, and check credit 
score regularly to start a smooth credit 
journey.
Clix Capital Services Pvt. Ltd.
Address: 
901b, 9th Floor, Two Horizon Centre, DLF Phase V
Gurgaon, Haryana, India – 122002
Phone Number: 1800 200 9898
Website: https://creditscore.clix.capital