Basics of Credit
Build your score. Build your future
Get easier access to loans and secure your future
If you manage credit responsibly, your scores will be maintained.
We have put together major factors that affect your credit score and what you can do about them -
Your credit rating and scores are held in a report accessible through a credit agency or bureau. Banks and other financial institutions from whom you may have taken a card or loan report your credit behavior to these independent credit bureaus.
Your ICICI Bank Instant Credit Card scores will be reported to CIBIL or the Credit and Information Bureau of India Limited.
Make sure that you review your credit scores frequently by ordering your Credit Information Report or CIR from the credit bureau. Click here to order yours.
You may have already taken credit or will need to, at some time – in the form of education, auto or home loans or credit cards.
Do you know, however, how lenders evaluate your loan or card applications? Or if your application will get approved?
Or do you simply need some help to manage your Credit Card account safely?
When you buy something today and pay for it later, you have just taken Credit.
Simply put, credit can help you get the things you want when you don't have enough cash.
Your credit card is a form of credit - a substitute for money in the form of a plastic card enabling you to buy now but pay later.
The ICICI Bank Instant Credit Card is a secured credit card, i.e it is issued against the security of a Fixed Deposit. It is an excellent choice to help you begin building a good credit score.
Your credit score is a number that indicates to lenders how "credit worthy" you are.
We have attempted to put together a series of easy-to-follow tutorials for your convenience Read them now or download as PDF to access later.
|Credit basics||Read more | Download PDF|
|Credit Dictionary||Read more | Download PDF|
|Using Credit responsibly||Read more | Download PDF|
|Keeping charges in check||Read more | Download PDF|
|Safeguarding your account||Read more | Download PDF|
|Easy payment options||Read more | Download PDF|
|Reading your credit card statement||Read more | Download PDF|
|How to Build Credit Score||Read more | Download PDF|
|How to maintain Credit Score||Read more | Download PDF|
|How to track credit score||Read more | Download PDF|
|Reading your Credit Information Report||Read more | Download PDF|
Choose the best Credit Card for you that suits your needs. ICICI Bank Credit Cards offer a host of benefits and offers to cater to your needs.
Coral Credit Card
Manchester United Signature Credit Card
MakeMyTrip ICICI Bank Signature Credit Card
HPCL Credit Cards
Credit free period of 48 days depends on your statement date.
There is no cap on the number of times the limit can be changed
If you are unable to transact on your credit card, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here.
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