In this magnificent realm of OneCommunity, we believe in the power of individuality and embracing the extraordinary. So, OneFam, it's time to don your creative hats and introduce yourself in a way that truly reflects your unique essence. Think of this as your grand stage, where you have the opportunity to captivate us with your introduction. Unleash your creativity and let your words paint a vivid picture of who you are. Here are a few prompts to get your imaginative gears turning: 🌟 Envision yourself as a character in a book: Share your name, your passions, and an intriguing snippet of your story that would entice readers to delve into the chapters of your life. ✨ Share your personal mantra: Express the guiding principles that shape your life. What words or beliefs do you hold dear? Let us glimpse into the guiding light that leads you on your journey. Remember, OneFam, this is your chance to shine and leave an unforgettable impression. So, take a leap into the world of words and unveil your extraordinary self with grace and class. We can't wait to get to know the incredible person behind the introduction! Ready, set, and introduce yourself in a way that echoes your unique brilliance!

Welcome to OneShaala, the ultimate destination where your hunger for app knowledge and financial wisdom finds its perfect abode. Whether you possess an insatiable zeal to unravel the secrets of the app you're using or yearn to expand your financial acumen, OneShaala is the ideal place for you to thrive. 📱 Fuel Your Curiosity: Are you driven by an unyielding desire to uncover the intricacies of the app in your hands? OneShaala is here to satiate your thirst for knowledge and empower you with the skills to navigate any app-related terrain. From mastering features and shortcuts to unraveling advanced functionalities, we'll guide you on an exhilarating journey of app exploration. 💰 Unlock the World of Finance: At OneShaala, we believe that knowledge is the key to financial empowerment. Dive into the captivating realm of finance, where you'll discover the principles of budgeting, investing, and financial management. Our expert resources and insightful guidance will equip you with the tools to make informed decisions and forge a prosperous financial future. 📚 The Knowledge Hub Awaits: Step into the virtual halls of OneShaala's knowledge hub, where a wealth of educational resources awaits. Immerse yourself in captivating articles, and interactive tutorials covering a wide spectrum of app-related intricacies and financial concepts. Expand your horizons, sharpen your skills, and elevate your understanding to new heights. 🌟 Connect and Grow Together: OneShaala is more than just a platform; it's a vibrant community of like-minded individuals on a quest for knowledge and personal growth. Connect with fellow enthusiasts, share experiences, and collaborate on projects. Together, we create an environment of mutual support and collective progress. OneShaala is your gateway to a world of endless possibilities. Whether you crave app enlightenment or aspire to become a financial virtuoso, we invite you to join us on this thrilling journey. Let us ignite your curiosity, empower your learning, and nurture your passion for app exploration and financial mastery. Welcome to OneShaala, where knowledge knows no bounds!

Hey there, hey there, hey there! Welcome to the vibrant and lively OneCommunity, your ultimate destination for engaging Chai Pe Charcha sessions on all things finance and beyond. Get ready to immerse yourself in a world where vibrant discussions and heartfelt connections await you. You're not just a member here; you're a cherished part of our big, warm family! So, what's in store for you in this exhilarating space? Let me give you a glimpse: 🗣️ OneCharcha: Brace yourself for an exhilarating ride as we dive into captivating topics, indulge in juicy gossip, and engage in thought-provoking conversations. OneCharcha is not just a place to connect; it's a dynamic platform where ideas flourish, creativity sparks, and new frontiers are explored. Your unique perspectives and ideas are more than welcome here! Let's come together as OneFam and elevate our discussions to extraordinary heights. 🤝 OneFam: Get ready to experience the magic of OneFam! As our newly built family, we're thrilled to have you onboard. This is the place where connections are forged, bonds are strengthened, and a sense of belonging thrives. 📅 Events: Hold on tight, because exciting times are just around the corner! Stay tuned for updates on upcoming events and meet-ups where our vibrant OneCommunity gathers to celebrate, learn, and grow together. From interactive workshops to enlightening speaker sessions, these events are designed to ignite your curiosity and foster personal and professional growth. So, my friend, get ready to immerse yourself in the dynamic energy of OneCommunity. Prepare for enlightening conversations, invigorating debates, and plenty of joyous moments. Together, we'll make this journey an unforgettable one! To kickstart your adventure, why not introduce yourself in our "Unveiling the Stars: Let Your Introduction Illuminate the Charcha" thread? And don't forget to explore the diverse Charcha discussions happening right here, waiting to be discovered. Welcome to OneCommunity, where Chai Pe Charcha merges with the power of family!

Welcome to the world of financial freedom - where small steps lead to big victories. In this simple guide, we’ll explore financial freedom and discover uncomplicated ways to make it a reality in your life. Financial freedom is a state where you have enough savings and investments to live the life of your dreams without having to rely on a job. Middle-class households often teach their children to live below their means. Although their intention is noble, it may promote a fearful relationship with money, which makes one doubt their financial prospects. Today’s youth prefer to be free of obligations and believe in living in the moment. We take our vacation goals as seriously as we take our retirement plans. We are consistently striving to be in a place where we can do both without facing any financial constraints. This state is called being financially free. What is financial freedom? Financial freedom is all about working towards achieving a level of financial stability where you can pursue the life you want without having to worry about your finances. It’s not the same as wanting to be rich; it’s about having enough residual income to cover your expenses while you spend your time doing what you enjoy. Essentially, Financial freedom is about having enough income or savings so that you don’t have to rely on your paycheck to meet your expenses. How to achieve financial freedom 1. Becoming debt-free Debt can lead to stress and anxiety that can get in the way of your dreams and goals. By paying off debt sooner, you free up more of your income for saving, investing, or spending on things that truly matter to you. The improved cash flow allows you to have more control over your finances. It can also give you a sense of accomplishment that will give you the confidence to plan for your other goals. 2. Start Investing Investing is integral to achieving financial freedom because it has the potential to grow your wealth over time. Unlike savings accounts, investing can generate returns that outpace inflation. This can help you reach your financial goals faster, whether it is building a retirement corpus, planning a dream vacation, or living a comfortable life. Investing can also help you create passive income streams through options like dividend-paying stocks, which reduces your dependency on your salary. However, investing comes with risks, so you must research thoroughly and consider a long-term investment horizon. 3. Prepare for uncertainties Financial emergencies can knock on your door when you are least prepared to deal with them. That’s why having funds set aside for emergencies is an important aspect of a financial plan. It prevents your financial plan from derailing and keeps you aligned with your goals. Having an emergency fund also gives you peace of mind, so you can recover faster from any unforeseen setbacks. 4. Track your credit score Your creditworthiness can be a major part of your financial success. A good credit score (700 & above) opens doors to better credit opportunities. It makes it easier for you to avail of loans and credit cards at favorable terms, such as lower interest rates on loans and credit cards. This can save you significant money over time and make credit more accessible when needed. Check your credit score for free on OneScore t(https://check.onescore.app/onescoreweb/phone?utm%5C_source=blog&utm%5C_medium=endblog&utm%5C_campaign=financial+freedom)o know where you stand. 5. Start a passive income stream Earning passive income is the best way to kick-start your journey toward financial freedom. It provides a stable cash flow even when you’re not actively working. It helps cover basic expenses and provides a safety net during financial emergencies. By creating multiple passive income streams, you can diversify your income sources and reduce your vulnerability to economic downturns or job loss. Some common methods of earning passive income are investing in dividend-paying stocks, real estate rental properties, peer-to-peer lending, and running a side business. What is FIRE? FIRE (Financial Independence, Retire Early) investing is a lifestyle movement and a financial strategy aimed at achieving early retirement and financial freedom. The core idea behind FIRE is to save and invest aggressively and accumulate enough wealth to support your desired lifestyle without having to depend on your job. People pursuing FIRE often invest their money strategically to generate passive income that covers their expenses. How to use FIRE to achieve Financial Freedom High Savings Rate: People practicing FIRE aim to save a large portion of their income, often 50% or more. This is achieved through frugal living, budgeting, and prioritizing savings over unnecessary expenses. Investing: The saved money is then invested in various assets, such as stocks, bonds, real estate, and other income-generating vehicles. The goal is to grow wealth over time through compounding returns. Early Retirement: By maintaining a high savings rate and achieving substantial investment growth, individuals following the FIRE method aim to reach a point where their investment income covers their living expenses. This allows them to retire early, often in their 30’s or 40’s. Withdrawal Strategy: Upon early retirement, individuals typically adopt a sustainable withdrawal rate to ensure their investment portfolio continues to support their lifestyle without running out of money. The commonly recommended withdrawal rate is around 3-4% of the portfolio’s value annually. Flexibility: The FIRE approach encourages flexibility in lifestyle choices and encourages individuals to pursue meaningful, fulfilling activities during early retirement, which may include passion projects, entrepreneurial pursuits, etc. To stay informed on all things credit management and personal finance, check out OneScore.(https://check.onescore.app/onescoreweb/phone?utm%5C_source=blog&utm%5C_medium=endblog&utm%5C_campaign=financial+freedom) Financial freedom isn’t about complicated strategies; it’s about building small, sustainable habits. By taking these simple steps, you’re setting yourself up on the path to financial independence. Remember, even the tiniest triumphs today can lead to a future of financial freedom tomorrow. Edited by: Ankita Chavan

Are you tired of the same old routine? Do you crave unique experiences and a chance to connect with like-minded individuals? Do not worry we are here to #BreakingTheFinanceWall.  When we think of #BreakingTheFinanceWall, it encompasses so much more than just financial matters. It's about going beyond formalities and business transactions. It's about connecting with like-minded individuals, forming friendships, and creating strong bonds that transcend the realm of finance. So, how exactly are we going about breaking that wall? At CommunityOne, we believe in the power of events that bring us closer to our OneFam, events that help us understand you better and create memorable experiences together. One such event is "Dribble with One." Imagine a sunny afternoon filled with laughter, excitement and a friendly football match. We gather with some of our users, kick the ball around, and cheer for each other. It's not just about the game; it's about the connections we make, the friendships we forge, and the shared love for sports that unites us. On "World Music Day," we took our passion for music to a whole new level. We invited our users to join us in creating a song, a beat that resonates with our community. We headed to Mumbai, the city of dreams, to record this masterpiece. But what made it truly special was that our users lent their beautiful voices, talents, and creativity to bring the song to life. We laughed, we sang, and we celebrated the joy of music together. We gave a new definition to #ChaloBaatKarteHai Now, it's time to get ready for the next adventure! Mumbai and Pune have experienced the magic of OneCommunity, and now it's your city's turn to shine. We want to hear from you. Comment below with the name of your city and the activity you'd love to do with us. Whether it's a hiking expedition in the picturesque hills, a beach cleanup drive to protect our environment, or a cooking workshop where we explore new flavors and cuisines, we want to tailor our events to your desires. Your input matters to us, and we are committed to creating experiences that resonate with your city and its unique spirit. Imagine the anticipation of gathering with fellow CommunityOne members in your city, engaging in an activity that brings us together, and creating lasting memories. The bonds we form during these events go beyond financial matters. They become a part of our shared history, reminding us of the connections we've built, the laughter we've shared, and the support we've provided to one another. So, let your city be the next stop on our journey to #BreakTheFinanceWall. Together, we can transcend the boundaries of finance, connect on a deeper level, and make a lasting impact. Share your city and your desired activity in the comments below, and let's embark on an adventure like no other. The time has come for your city to experience the magic of OneCommunity. Let's create memories, build connections, and break down the walls that hold us back. Are you ready? Comment below and let us know!

Need assitance in planning your Spends? The Spend Planner feature on OneCard provides a convenient way for users to track and manage their credit card expenses. By setting a monthly spending budget, users can effectively plan their finances and gain valuable insights into their spending patterns. To access the Spend Planner feature, simply navigate to the Transactions tab on your OneCard app and click on the third tab labeled "Spend Planner."  Once you have set your goals, the next step is to provide your income details. This information helps the Spend Planner feature provide you with better insights and recommendations tailored to your financial situation. After entering your income details, you can proceed to set your budget for your spending.  By setting a budget, you gain better control over your spending habits and can make informed decisions about where your money goes. Once your budget is set, you can easily view it on the Spend Planner interface. This provides a clear overview of your allocated amounts for each expense category, giving you a visual representation of your financial plan. In addition to helping you set and track your budget, the Spend Planner feature also offers utilization notifications. These serve as a helpful reminder of your credit card usage, ensuring that you stay within your set budget and avoid overspending or exceeding your credit limit. Moreover, OneCard is soon introducing a budget planner specifically designed for significant expenses and travel-related costs. This upcoming feature will assist you in planning and managing your finances for big spending events and trips, ensuring that you can stay on top of your expenses and make the most of your financial resources. You can follow the below step to avail this feature! You will find this new feature on the transaction Tab …. The Third Tab on your OneCard Tab  On clicking on the spend planner you will be led to the Intro Page   On clicking the spend planner you will be led to the Intro Page  After setting goals, you will need to provide your income details to help you with better insights. Income Done? Now set your Budget for your spending!!! Now Your Budget is set! You can see the same!

Benefits of App-based Transactions and Card Controls: One of the greatest advantages of app-based transactions and card controls is the enhanced security they provide. Traditional credit cards are susceptible to fraud and unauthorized transactions. However, with app-based transactions, you have the ability to monitor your transactions in real-time, receive instant alerts for any suspicious activity, and even freeze your card if it is lost or stolen. These features empower you to take immediate action to protect your finances, providing peace of mind and a higher level of security. Enhanced Security: One of the greatest advantages of app-based transactions and card controls is the enhanced security they provide. With OneCard, you can monitor your transactions in real-time, receive instant alerts for any suspicious activity, and even block your card if it is lost or stolen. These features empower you to take immediate action to protect your finances, giving you peace of mind and a higher level of security. Real-time Transaction Monitoring: With OneCard's app, you have the power to track your transactions in real time. You can view your transaction history, check your available limit, and ensure that all transactions are accurate and authorized. This level of transparency helps you stay on top of your spending and detect any potential fraudulent activity promptly. Instant Transaction Alerts: OneCard keeps you informed about your card activity through instant transaction alerts. You will receive notifications on your mobile device whenever a transaction is made with your OneCard. This allows you to stay informed and quickly identify any unauthorized transactions, enabling you to take immediate action to protect your finances. Convenient Card Controls: With OneCard, you have control over how your card is used. Through the app, you can set spending limits, decide if you wanna use the Tap-to-Pay feature, toggle over limit transactions, or even enable/disable international transactions. These card controls give you the flexibility to customize your card usage based on your preferences and ensure that your card is used according to your specific needs. Features: Simplify Your Payments with EMI Conversion: A Tap Away Managing finances can be a balancing act, especially when it comes to handling large transactions. However, with the introduction of EMI (Equated Monthly Instalment) conversion, paying for your purchases has become more convenient and flexible. In this blog, we will explore how EMI conversion simplifies your payments, making it easy to manage your expenses without any hassle. Discover Eligible Transactions with Ease: Gone are the days of calling customer service or sending emails to check if your transactions are eligible for EMI. With the power of your OneCard app at your fingertips, you can now access all eligible transactions directly from your smartphone. Simply tap on the "Convert to EMI" tab in your app, and voila! A comprehensive list of eligible transactions will appear on your screen, ready for your consideration. Effortless Conversion Process: Once you've identified the transactions you want to convert to EMI, the process becomes a breeze. With just a few taps, you can convert your selected transactions into manageable monthly installments. The app handles the entire conversion process smoothly, ensuring a hassle-free experience for you. Real-time Updates and Transparency: Keeping track of your EMI conversions is crucial for managing your expenses and staying on top of your financial obligations. The app provides real-time updates and transparency, allowing you to monitor your EMIs effortlessly. You can easily view the status of your conversions and upcoming payments. This level of visibility gives you peace of mind, knowing that your finances are under control. Rent Payment Made Easy: A Hassle-Free Solution for You. Managing rent payments can often be a source of stress and inconvenience for many. However, with modern tech, there are now easier and more seamless ways to handle this essential aspect of renting. Instant Transfer: Gone are the days of writing cheques or waiting for the UPI network to be back again. With the convenience of instant rent transfers, you can now make your rent payments in just a few taps on your OneCard app. This saves time and eliminates the need for physical paperwork, making the process quick and efficient. Payment Alerts: Keeping track of payment due dates can be challenging, especially when juggling multiple financial responsibilities. However, with the help of payment alerts, you can receive timely reminders before their rent is due. These alerts ensure that no deadlines are missed, preventing quarrels and maintaining a positive landlord-tenant relationship. Payment History: Having a clear record of rent payments is essential for both tenants and landlords. Our rent payment solutions offer a comprehensive payment history feature that allows you to view your past transactions at any time. This feature provides transparency and peace of mind, ensuring that all payments are accurately recorded and easily accessible. Seamless Payment: Rent payment should be a hassle-free process, and modern solutions strive to make it as seamless as possible. You can link your preferred payment method, such as a bank account or credit card, to the rent payment platform. This eliminates the need for manual input of payment details with each transaction, streamlining the process and reducing the likelihood of errors. Finding the perfect gift can be a challenging task. Whether it's for a birthday, anniversary, or special occasion, you want to ensure your gift is meaningful and appreciated. That's where gift cards come in. They offer the flexibility for recipients to choose something they truly desire. In this blog, we will explore how OneStore provides a one-stop solution for all your gift card needs, offering a wide range of options from various vendors, making gifting a breeze. Endless Variety for Every Occasion: OneStore understands that each person has unique preferences and tastes. That's why we have curated a diverse collection of gift cards to cater to every occasion. Whether it's for shopping, travel, luxury dining, or entertainment, OneStore has got you covered. From popular retail brands to renowned dining establishments, you can find the perfect gift card that suits the recipient's interests and desires. Convenience at Your Fingertips: Gone are the days of searching multiple stores or visiting different websites to find the right gift card. OneStore simplifies the process by bringing all the options to one place. With just a few clicks, you can browse through an extensive selection of gift cards and choose the one that resonates with your recipient. The user-friendly interface ensures a seamless and convenient experience, saving you time and effort. Gift Cards from Trusted Vendors: When it comes to gift cards, reliability, and authenticity are key. OneStore collaborates with trusted vendors to ensure that the gift cards offered are genuine and of the highest quality. You can have peace of mind knowing that your gift card purchase is backed by reputable brands and establishments. Whether it's a well-known retailer, a popular travel agency, or a top-rated restaurant, OneStore maintains a strong network of vendors to provide you with a wide range of options. Flexibility and Personalization: OneStore understands that personalization is essential when it comes to gifting. That's why they offer flexibility in choosing the value of the gift card. Whether you want to surprise someone with a small token of appreciation or treat them to a more significant gift, you have the freedom to decide the amount. This allows you to tailor the gift card to fit your budget and the recipient's preferences, making it a truly personalized gift. Ease of Redemption: Redeeming gift cards should be a straightforward process, and OneStore ensures just that. The recipient can easily redeem their gift card at the designated vendor's outlet or website. Clear instructions and guidelines are provided to ensure a smooth and hassle-free redemption experience. This means your gift will be enjoyed without any complications or confusion.

A good credit score can do wonders for the future. Let's delve into the basics of credit scores and explore how you can leverage them to your advantage. With a credit score of 750 or higher, you can unlock a myriad of benefits including favorable loan terms, lower interest rates, and enhanced financial opportunities.  Frequently checking your CIBIL report can greatly enhance your credit score, yet many individuals don't realize the straightforward tools available to help them accomplish this. Let's dive in and understand how your credit score can impact your CIBIL report. Why You Should Review Your Own Credit Report: 1. Detecting Errors and Inaccuracies Reviewing your credit report allows you to identify any inaccuracies, such as incorrect personal information or unauthorized accounts, which may have a negative impact on your credit score. 2. Monitor Credit Health Regularly checking your CIBIL report online ensures you stay informed about your credit health, including details on credit utilization, payment history, and your account balances. 3. Identify Irregular Activity By examining your credit report, you can identify any indications of identity theft or unauthorized accounts opened in your name, empowering you to promptly take measures to safeguard yourself. 4. Assess Creditworthiness Gaining an understanding of your credit report offers valuable insights into how lenders assess your creditworthiness. This knowledge allows you to pinpoint areas that need improvement and take proactive steps to strengthen your credit profile. 5. Prepare for Financial Decisions Prior to applying for a loan or credit card, examining your credit report assists you in evaluating your eligibility and negotiating more favorable terms based on your credit standing. 6. Free CIBIL Report Online By checking your CIBIL report online using a reliable source like OneScore, you can conveniently access your credit information for free. 7. Stay Proactive Regularly checking your credit report empowers you to proactively manage your credit, ensuring its accuracy and safeguarding your financial health. What Is Included in Your Credit Report? A credit report is a detailed record of your credit history and financial behavior. Based on data provided by creditors and lenders, credit bureaus like Cibil compile it. Knowing what is included in your credit report can help you take the right steps to improve your credit score. 1. Personal Information When you check your CIBIL report, ensure it includes personal details such as your name, address, date of birth, and contact information. Ensure that this information is accurate and up-to-date. 2. Credit Accounts It provides a comprehensive list of your credit accounts, including credit cards, loans, and other lines of credit. It includes details about the account type, credit limit, outstanding balance, and payment history. 3. Payment History Your online CIBIL or Experian report also reflects your payment history for each credit account, showcasing whether you have made payments on time or if there have been any late or missed payments. 4. Credit Inquiries It records inquiries made by lenders when you apply for credit. Frequent inquiries within a short period of time may impact your credit score. 5. Credit Score Your credit score plays a crucial role in determining your creditworthiness. A higher credit score reflects a healthier credit profile. To understand your financial standing and assess your creditworthiness, it’s essential to check your credit report regularly. Important Things You Should Check In Your Credit Report Here are a few things in your credit report to take note of. 1. Personal Information Make sure your name, address, and phone number are true and current. 2. Analyze your credit accounts Review your credit accounts to be sure they are yours and that the information they contain about your credit limits, sums due, and payment history is true. 3. Check your repayment history Checking your repayment history is important to see whether it accurately shows your on-time payments and to find out if there have been any missed or late payments that could be affecting your credit score. 4. Checking your credit Check your credit report for any unauthorized or strange enquiries, as these could be signs of fraud or identity theft. 5. Credit Score Although it’s not specifically included in the credit report, your credit score is an important consideration for lenders. 6. Identify any errors Look out for any discrepancies, errors, or inaccuracies in your credit report and take the required actions to have them corrected. In conclusion, OneScore isn't just another credit monitoring tool, it's your ticket to an engaging journey toward financial empowerment! With its user-friendly interface and comprehensive insights, you can explore every facet of your credit profile, from payment histories to potential discrepancies. Plus, with the added bonus of a free CIBIL report each month, you're not just managing your credit; you're embarking on an exciting adventure of self-improvement. So, why wait? Dive in, uncover areas for enhancement, fix any slip-ups, and pave the way to a brighter financial future with OneScore! Edited by: Ananya Gupta

Welcome to the backstage of your credit journey. It’s time to shine the spotlight on your financial tale, where every twist and turn shapes your credit saga. Here’s a peek into your personal credit narrative. Your credit score is crucial in determining your ability to get a loan or credit card. It is a measure of your creditworthiness in numerical form. When you apply for a loan, the lending institution checks your credit score to decide whether to provide a loan based on your repayment capacity. If your CIBIL score is low, it projects you as a risky borrower with a high chance of default. On the contrary, a high credit score makes it easier to get credit. Maintaining a good credit score can also get you a loan with favorable repayment terms. Given its significance, it is important to check your CIBIL score frequently. You can Check your CIBIL score with your PAN card for free. A CIBIL score gives you a clear picture of where you stand financially and whether you qualify for a personal loan or not. Step-by-Step Process of Checking Your CIBIL Score by Using PAN Card A CIBIL score check with your PAN card is the easiest way to check your credit score. The PAN card is an official identity proof that the Income Tax Authorities of India issue to taxpayers. It is an important document that a person holds and also serves as a KYC document for multiple purposes. It is linked with various financial records, like your bank statements and IT returns, and it has the most accurate details about your financial status. For those wondering how to check their CIBIL score with a PAN card, here’s how you can do it for free online. You can use online platforms like OneScore to check your CIBIL score for free: • Download OneScore app • Open the app and click on “Check My Score”. • Enter details such as your name, mobile number, and PAN card details. • As soon as you enter these details, you will be redirected to a page where you can check your CIBIL score online for free in seconds. Why Are Your Pan Card Details Needed to Check Your CIBIL Score? The PAN Card is the most important document when it comes to checking one’s CIBIL Score. As everyone has a unique PAN, our financial and banking related data makes it easy for credit bureaus to locate details efficiently. Anyone can check their Cibil score for free by using a PAN card on websites facilitating Cibil score checks. Does Change of PAN Card Affect Your CIBIL Score? Yes, it does. If you have two PAN cards, you must surrender one to avoid confusion, as it might affect your CIBIL score. Every PAN Card has a credit history linked to it, and the same person carrying multiple PAN Cards may end up with conflicting credit histories. On the other hand, if you lose or damage your PAN card, you can apply for a duplicate copy at the Income Tax Department. Getting a duplicate PAN card does not impact your CIBIL score, as it does not change your PAN number. Additional Read: Fix Your Credit Score 4 Important Factors That Affect Your CIBIL Score Payment History: A borrower’s payment history is the most important factor. Borrowers with a good credit repayment history assure lenders of timely repayments, resulting in the best loan terms. • Multiple Enquiries on Credit: If a borrower’s credit report shows a lot of hard inquiries in the recent past, it has a very negative effect on their credit score. Multiple inquiries show the borrower in a bad light, giving the impression that they are desperate for credit. • Credit Utilisation Ratio: This is the amount of credit you use from the total credit limit put together. It is suggested by experts that borrowers keep their credit utilisation ratio low and ensure a good credit score. • Credit Mix: A credit mix is one of the most common variables used for calculating a borrower’s credit score. Borrowers with multiple credit accounts, such as a home loan, personal loan, and credit card, indicate that they can manage multiple types of debt at one time. And there you have it, folks - your ultimate guide to checking your CIBIL score using just your PAN card! As you continue to navigate the twists and turns of your credit journey, remember that you hold the pen to your credit story. Edited by: Ankita Chavan