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10 Common Mistakes That Decrease Your Credit Score

10 Common Mistakes That Can Decrease Your Credit Score and How to Avoid Them

Name: 10 Common Mistakes That Can Decrease Your Credit Score
Brand: Axis Max Life Insurance
Rating: 4.3 (1208 reviews)

Your credit score indicates your overall financial health. The Reserve Bank of India (RBI) has made it mandatory for every bank to check a loan applicant’s credit score before sanctioning loans. Notably,

Test

Many of us tend to delay our retirement planning. This is often due to the belief that financial goals that are to be achieved in the near term should take precedence. After all, retirement is decades in the future and we can wait a while before we start saving for retirement. However, this delay can cost you dearly.

Tale of Two Friends: Ram vs Shyam

RAM

Starts at Age 25

Monthly Investment ₹10,000

Investment Period 35 Years

Retirement Age 60 Years

Total Investment ₹42 Lakh

Annual Return 10% p.a.

Retirement Corpus at 60

₹3.43 Cr

SHYAM

Starts at Age 35

Monthly Investment ₹20,000

Investment Period 25 Years

Retirement Age 60 Years

Total Investment ₹60 Lakh

Annual Return 10% p.a.

Retirement Corpus at 60

₹2.48 Cr

⚡

The Shocking Impact of a 10-Year Delay

Even though Shyam invested ₹18 lakh MORE than Ram, his retirement corpus is significantly smaller!

Shyam Invested More

₹18L

But Has Less By

₹95L

All Due To

10 Years

The Power of Compounding in Action

Due to Ram's longer investment period, the power of compounding worked in his favor. He ended up with a retirement corpus that is almost ₹1 crore larger than Shyam's, despite investing significantly less!

People Are Realizing the Importance of Starting Early

50%

of urban respondents in the Axis Max Life IRIS 5.0 survey believe that retirement savings should start from the first paycheck itself

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Trending Questions

I’m 25 and earning ₹30k a month how should I start investing for long-term growth?

You can adopt the 50:30:20 approach to plan your finances. You need to divide your net monthly income into three categories, where needs (house rent, utilities etc.) can be 50%, wants (entertainment, dine-out, etc.) can be 50%, and savings and debt pay-offs (investment, emergency funds, etc.) can be 50%. Invest via SIP to stay disciplined with your investment and focus on long-term growth.

Where to invest money to get good returns in india?

It is recommended to invest in a mix of different asset classes like government schemes (like PPF) and market-linked investment products (like mutual funds) to get good returns. However, keep in mind your financial goals, risk appetite, and investment tenure before you begin. For long-term goals, consider investing in ULIPs, 5-year fixed deposits (FDs).

For short-term goals, 1 to 3-year FDs, liquid funds, corporate FDs, etc are good. In contrast, if you are planning your retirement goals, you have options like NPS, pension plans, voluntary provident fund (VPF), etc.

Where to invest money for higher returns?

To earn higher returns, you need to invest in instruments with higher risk levels, such as market-linked plans, stocks, and equities. These investment instruments generally require investment for a long term. Here is a list of high-risk investment options that offer higher returns over the long term:

Equity-linked Savings Scheme or ELSS
Stocks
Real Estate Investment Trusts (REITs)
Unit-linked Insurance Plans (ULIPs)

Where to invest 30,000 rupees in india?

Irrespective of the amount you wish to invest, it is prudent to assess your risk appetite along with your investment tenure. If you do not want to take a risk, consider investment options like a post office FD or a bank fixed deposit. You can earn an attractive rate of return based on the investment tenure you select.

You can also invest in liquid mutual funds of your choice if you are willing to take additional risk.

Where to invest 20 lakhs for monthly income?

To earn a monthly income from your investment of 20 lakhs, you can consider investment in a mix of safe and market-linked instruments. Before you begin, assess your risk appetite, financial goals, and amount per instrument.

Some low-risk, secured investment instruments are fixed deposits, post office monthly income scheme, and senior citizen savings scheme, etc. High-risk, high-returns investment options include unit-linked insurance plans, stocks, and real estate investments, etc.

If i have 1 crore where to invest for monthly income ?

The choice of investment would depend on multiple factors, including your age, risk appetite, and expected income from the investment. Some options include

Immediate annuity plans (No maximum limit)
Senior citizens savings scheme (investment up to 30 lakh)
PMVVY (investment up to 15 lakh)
FD with monthly payouts (No maximum limit)
Post office monthly income scheme (investment up to 15 lakh), etc.

However, it is advisable not to invest your corpus in any one instrument.

How much less does a man get by investing rs. 30,000 at 10% simple interest instead of investing at compound interest for three years?

Scenario 1: Let us calculate the interest amount using both simple interest and compound interest formulas below:

Calculating Simple Interest	Calculating Compound Interest
Sl = (PRT)/100 Sl = (30000103)/100 SI = 9000	A = P (1 + R/100)^T A = 3000 (1 + 10/100)³ A = 39930 CI = 39930 - 30000 = 9930

As per the calculations shown above, the man can earn Rs. 9000 and Rs. 9930 as simple interest and compound interest after 3 years, respectively. Hence, the man earns Rs. 930 less in an investment instrument that gives simple interest.

how do the returns from a 1 year fixed deposit compare to other short-term investments in india?

A 1-year fixed deposit generally offers guaranteed 6 to 7 percent interest, which is clearly higher than what traditional savings bank accounts offer (2 to 3 percent). However, short-term investments like stocks and debt mutual funds involve high risk but certainly offer higher returns than bank FDs.

Where can i get 15% return on investment?

Market-linked investments such as equities have the potential of providing you with returns of 15% or higher. However, returns are not guaranteed and a substantial risk is associated with the returns

How many years is considered a long term investment?

Experts consider an investment period exceeding 5 years a long-term investment. However, the longer the investment period, the better from returns’ point of view.

Which is the best investment option for a person who wants to make a long-term, tax-free investment?

For such an individual, the best tax-free investment for the long term is public provide fund (PPF). While there is a lock-in period of 15 years, PPF offers assured returns, and the government of India backs this scheme. The investment contributions, interest earned, and annual returns are tax-free.

Where to invest 10000 right now ?

Based on your risk appetite, you can invest in guaranteed return instruments like Bank FDs. If you wish to invest this amount on a monthly basis, go for mutual funds via SIP.

10 Common Mistakes that Adversely Impact Credit Scores

Here are the common mistakes which you need to be mindful of. Make sure to avoid them:

1. Missing Credit Card or Loan Repayments

Missed EMI and credit card payments can significantly lower your credit score because delayed/missed payments can hurt your overall credit report. Every credit bureau and financial institution checks a person's payment history before generating a credit report.

If missed/delayed payments start piling up, then it will severely lower your credit score. So, pay your EMIs or credit card bills on time.

2. Having Too Many Credit Cards

It isn’t a good idea to keep multiple credit cards simultaneously open. Please remember that even if you don't miss payments on these cards, using too many credit cards reflects poor financial management skills.

Moreover, lenders might feel that you’ll use up the credit of all the cards even if you don’t use all of the available credit. It’s one of the common mistakes that impact credit scores. So, it’s best to avoid it.

3. Closing a Particular Credit Card

Did you know that the timeframe during which you hold a credit card is a major contributor to building a good credit score? So, even if you don’t use a credit card, don’t make the mistake of closing it unless and until it's required.

Otherwise, it will hurt your overall credit report and decrease your credit score.

4. Availing too Many Unsecured Loans

Unsecured loans are the ones which are not backed by any collateral. Examples include personal loans, credit cards, education loans, and more.

When someone has multiple unsecured loans, it indicates he/she might be financially overburdened with debt. Furthermore, it denotes such persons as risky candidates. Lastly, always remember that if you have numerous active unsecured loans, it’ll have a major negative impact on your credit score.

5. Submitting Multiple Credit Applications at Once

Submitting multiple loan or credit applications to different lenders is one of the 10 common mistakes that can decrease your credit score. It indicates credit-hungry behaviour, which doesn't show you in a flattering light.

Apart from lowering your credit score, there’s another side effect. It cuts down on your negotiating options with the lender. As a result, you might receive credit, but on unfavourable terms and conditions.

6. Not Paying Bills on Time

Not paying your utility bills (electricity, gas, phone and water) in time is another mistake that adversely impacts your credit score. Credit rating agencies consider your payment history while preparing a credit report and assigning a credit score. Even if you miss one payment by over a month, your credit score might decrease.

Late payments might remain recorded in the credit report for many years. You will face questions regarding late bill payments if you apply for loans. You can set payment reminders or set up the auto-pay option to avoid late payments.

7. Paying the Minimum Due Amount

If you pay the minimum amount due on your credit card bills, then it might negatively affect your credit report. While your debt may seem more affordable, your interests can start piling up and strain your purse. When the balance of the credit card bill grows, it can significantly increase your credit utilisation ratio or the percentage of your available credit you’re using at a given time.

You should try your best not to let the credit utilisation rate rise above 30%. Otherwise, your credit score can come down greatly. So, what can you consider? Try to pay off your credit card dues in time. Use other payment methods until you’ve cleared your credit card dues.

8. Co-signing a Loan

Co-signing a loan can also contribute to lowering your credit score. Imagine a situation where you have co-signed a loan for someone you know, and the person fails to repay. It will get recorded in your credit report as now you’ll be liable to pay the remaining due and this can bring down your credit score as well.

9. Not Paying Taxes on Time

Only a few people know the impact of non-payment of taxes on credit scores. When you don’t pay taxes for a long time, the government may place a tax lien on your property, which can severely bring down your credit score.

10. Not Assessing Your Credit Report

Always monitor your credit report closely for any inconsistency. If you come across any inaccurate data or wrong information, then bring it to the attention of the concerned authorities immediately.

Moreover, if you track your credit report regularly, then you’ll also come to know when your credit score is on the fall and take steps to rectify the situation.

Building a good credit record can be time-consuming. So, develop good financial habits early on and consciously avoid making the 10 common mistakes that can decrease your credit score. It will be easy for you to build creditworthiness.

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Sources:

www.experian.com/blogs/ask-experian/common-credit-mistakes-to-avoid

cred.club/check-your-credit-score/articles/mistakes-that-can-lower-your-credit-score

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Why Should You Have Life Insurance?

Having life insurance in place can help you achieve much needed financial security for both you and your family. The payout from a life insurance plan can be flexibly used by the policy beneficiary/beneficiaries for various purposes such as covering daily expenses, paying off outstanding debt, etc. to secure the financial future of your loved ones.

Can I Choose the Policy Term and Premium Payment Term When Buying Life Insurance?

Yes, you have the freedom to customise both the premium payment term and policy tenure when buying a life insurance from a life insurance company. A longer premium payment term typically leads to lower individual premiums, while a longer policy term means that you will be covered by the insurance policy for a longer period of time.

What Are Life Insurance Quotes?

Life insurance quotes show how much premium you will pay for the coverage you want. The premium payable for a life insurance policy depends on multiple factors such as your age, health, policy type, and sum assured. It is a good practice to obtain quotes from multiple insurers to help compare different plans before buying the right one.

Who Needs Life Insurance the Most?

Anyone with financial dependents should definitely consider purchasing a life insurance policy. If you have dependent family members who rely on your income, like your spouse, children, or ageing parents, then you should definitely consider buying a life insurance policy. Others who should consider purchasing a life policy include working individuals, married people, single parents, and new parents.

What Are the Types of Life Insurance Plans?

There are various types of life insurance plans in India, such as:

Term insurance
Endowment plan
Whole life plans
Money Back Policies

Apart from the above, some other types of investment-oriented insurance policies also provide life cover benefits. Examples of this type of life insurance products include – Unit Linked Insurance Plans (ULIPs), Child Plans, Retirement Plans and Annuity Plans.

What Are the Key Factors That Affect Life Insurance Premiums?

Premium of life insurance policies are calculated based on various factors including but not limited to your age, current health condition including pre-existing conditions, lifestyle habits (like smoking/drinking), policy term chosen, sum assured, premium payment term, riders/add-ons chosen, and the type of plan selected. Young and healthy people are usually charged lower premiums compared to older individuals with health issues. Similarly, a higher sum assured lead to higher premiums in the case of life insurance plans.

What Are the Uses of Life Insurance?

The primary purpose of a life insurance policy is to provide financial support to your family in the case of your untimely death. The life cover payout of a life insurance policy can help pay off outstanding debts, cover education or marriage costs of children, and more. Additionally, the premiums paid for keeping a life insurance policy in effect offers tax benefits under Section 80C, if the policyholder has opted for the old tax regime.

Do I get survival benefits under my life insurance policy?

This depends on the type of insurance policy you have bought. For instance, if you have chosen a term plan with return of premium option, you will get the sum of all premiums paid as survival benefits after the end of policy tenure. However, there is no such benefit under a pure term plan.

What will happen if the life insurance premium is not paid on time?

If the life insurance premium remains unpaid even after the grace period, it can lead to policy lapse. You will lose the expected insurance benefits while also wasting all the premiums paid in the previous years.

Who decides the life insurance premium?

The life insurance company you choose decides on the premium payable for its policies. The premium amount is calculated based on several factors, like your age, gender, health condition, smoking habits, and life expectancy.

What is a life insurance premium?

It is the amount that you need to pay to an insurer, either one time or as regular payment, to keep your life insurance policy active.

How to choose the right sum assured under life insurance?

You need to consider several factors while choosing sum assured, including your income, financial liabilities, lifestyle expenses, and future goals.

Why buying life insurance is important?

With a life insurance policy, you can plan for the financial security of your loved ones who are dependent on you. Alongside, you get several benefits like tax deductions and life cover.

What are life insurance riders?

Life insurance riders give your term plan extra wings by increasing the regular plan cover. A few of them are critical illness, accidental death, waiver of premium riders, etc.
They allow you to tailor your plan for additional protection at a small extra cost.

Why add riders to your term life insurance policy?

Adding riders helps you customise your insurance to match your lifestyle and financial goals. They also provide additional coverage for specific risks, such as disability, critical illness, or accidents.
Thus guaranteeing higher levels of financial security without the need for an additional policy.

What is underwriting in life insurance?

Underwriting is the process insurers use to evaluate your risk before issuing a policy.
It involves reviewing your age, health, lifestyle, occupation, and medical history to determine your eligibility and premium amount.

What is a premium in insurance?

A premium is the cost that you pay in order to maintain an active insurance policy. For example, if your term insurance premium is ₹10,000 per year, you must pay that annually to ensure your coverage continues.

How is an insurance premium calculated?

The premium varies depending on various factors, including age, health, lifestyle habits (such as smoking), occupation, policy type, amount of coverage and the period of coverage.
The less risky your profile is, the lower your premium will be.

Is the insurance premium monthly or yearly?

Insurance premium payments frequency depends on policy buyer’s preferences and insurers’ terms and conditions. You get an option of a monthly, quarterly, half-yearly, or annual basis premiums.
Many people prefer annual payments to avoid frequent reminders and missed due dates.

What is a quote in insurance?

A life insurance quote is an estimate of what your policy may cost you, depending on the information you give, like age, health, lifestyle, coverage amount and the term of the policy.
It makes you know how much the plan would roughly cost you before purchasing it, so that you can compare across various insurers and select the most appropriate one that suits your needs and finances.

Why is life insurance a safe investment?

Life insurance is a safe investment option as it provides your family with guaranteed protection and financial security.

What are the benefits of buying a life insurance plan online vs. offline?

Buying a life insurance plan online offers several advantages. Here is a comparison to help you understand the difference:

Parameters	Online	Offline
Cost Efficiency	You may receive online discounts, making the premium more affordable.	Usually more expensive due to agent commissions and service charges.
Whole Life Insurance	Provides cover throughout one’s lifetime with a guaranteed death benefit, supporting long-term financial security. Also helps create a financial legacy for heirs.
Convenience	Can be purchased anytime from the comfort of your home with minimal paperwork.	Requires physical visits or meetings with agents, making it time-consuming.
Customisation	Offers several optional riders and benefits that can be easily added based on individual needs.	Customisation depends on the agent’s offerings and manual procedures.
Customer Support	Provides quick, dedicated online assistance and 24/7 helplines for queries or claims.	Relies mainly on agent support, which may not always be immediately available
Time Required	Much quicker with lesser touch points and on the go approach.	Traditionally much more time taking.

What are the types of death not covered in life insurance?

The following are some of the circumstances under which a life insurance company can turn down a death claim:

Murder of the policyholder and the nominee is involved
Death due to criminal involvement
Death under the influence of alcohol or drugs
Non-disclosure of smoking habits
Death during hazardous or adventure activities
Death through pre-existing illnesses
Death during childbirth or pregnancy complications
Suicide during the first year of the policy
Death as a result of a natural disaster

Always check for latest inclusions/exclusions by regulator to stay up to date

Can I withdraw money from my insurance policy?

Yes, you can withdraw money from your insurance policy, but it will depend on the kind of life insurance plan you have:

In term insurance, there is no withdrawal or cash value privilege available.
In endowment, money-back, or ULIP policies, you can withdraw part of the funds after a certain lock-in period or receive a surrender value if you decide to end the policy early.

Why Choose Axis Max Life Insurance?

99.70% Death Claims Paid Ratio

(Source: Individual Death Claims Paid Ratio as per Audited Financials for FY 2024-2025)

405 Branches

(Source: As reported to IRDAI, FY 2024-25)

₹2,191,857 Cr. Sum Assured

In force (individual) (Source: Axis Max Life Public Disclosure, FY 2024-25)

₹175,072 Cr. Assets Under Management

(Source: Axis Max Life Public Disclosure, FY 2024-25)

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Whatsapp: 7428396005Send ‘Quick Help’ from your registered mobile number
Phone: 0124 648 890009:30 AM to 06:30 PM
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Age of Male Applicant	Premium Amount for Rs. 75 lakh Term Plan		Premium Amount for Rs. 1 crore Term Plan		Premium Amount for Rs. 1.5 crore Term Plan		Premium Amount for Rs. 2 crore Term Plan
Age of Male Applicant	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker
18 Years (PPT: 67 years)	1,675/Month Total Premium: 12.75 lakh	930/Month Total Premium: 7.08 lakh	1,674/Month Total Premium: 12.74 lakh	930/Month Total Premium: 7.08 lakh	2,511/Month Total Premium: 19.11 lakh	1,395/Month Total Premium: 10.62 lakh	3,069/Month Total Premium: 23.36 lakh	1,705/Month Total Premium: 12.98 lakh
25 Years (PPT: 60 years)	2,213/Month Total Premium: 15.09 lakh	1,229/Month Total Premium: 8.38 lakh	2,292/Month Total Premium: 15.62 lakh	1,273/Month Total Premium: 8.68 lakh	3,438/Month Total Premium: 23.44 lakh	1,910/Month Total Premium: 13.02 lakh	4,138/Month Total Premium: 28.21 lakh	2,299/Month Total Premium: 15.67 lakh
35 Years (PPT: 50 years)	3,528/Month Total Premium: 20.35 lakh	1,990/Month Total Premium: 11.31 lakh	4,007/Month Total Premium: 22.77 lakh	2,226/Month Total Premium: 12.65 lakh	6,011/Month Total Premium: 34.15 lakh	3,339/Month Total Premium: 18.97 lakh	6,821/Month Total Premium: 38.76 lakh	3,790/Month Total Premium: 21.12 lakh
45 Years (PPT: 40 years)	6,722/Month Total Premium: 30.56 lakh	3,734/Month Total Premium: 16.97 lakh	7,395/Month Total Premium: 33.61 lakh	4,108/Month Total Premium: 18.67 lakh	11,093/Month Total Premium: 50.42 lakh	6,163/Month Total Premium: 28.25 lakh	14,390/Month Total Premium: 65.41 lakh	7,994/Month Total Premium: 36.34 lakh
55 Years (PPT: 30 years)	13,121/Month Total Premium: 44.73 lakh	7,289/Month Total Premium: 24.85 lakh	15,303/Month Total Premium: 52.17 lakh	8,502/Month Total Premium: 28.98 lakh	22,955/Month Total Premium: 78.25 lakh	12,753/Month Total Premium: 43.47 lakh	30,006/Month Total Premium: 102.29 lakh	16,670/Month Total Premium: 56.83 lakh
60 Years (PPT: 25 years)	18,963/Month Total Premium: 53.87 lakh	10,535/Month Total Premium: 29.93 lakh	22,272/Month Total Premium: 63.27 lakh	12,373/Month Total Premium: 35.15 lakh	33,408/Month Total Premium: 94.91 lakh	18,560/Month Total Premium: 52.73 lakh	43,123/Month Total Premium: 122.51 lakh	23,957/Month Total Premium: 68.06 lakh

10 Common Mistakes That Can Decrease Your Credit Score and How to Avoid Them

Test

The Cost of Delaying Retirement Savings

Tale of Two Friends: Ram vs Shyam

The Shocking Impact of a 10-Year Delay

The Power of Compounding in Action

People Are Realizing the Importance of Starting Early

People Also Search For

I’m 25 and earning ₹30k a month how should I start investing for long-term growth?

Where to invest money to get good returns in india?

Where to invest money for higher returns?

Where to invest 30,000 rupees in india?

Where to invest 20 lakhs for monthly income?

10 Common Mistakes that Adversely Impact Credit Scores

1. Missing Credit Card or Loan Repayments

2. Having Too Many Credit Cards

3. Closing a Particular Credit Card

4. Availing too Many Unsecured Loans

5. Submitting Multiple Credit Applications at Once

6. Not Paying Bills on Time

7. Paying the Minimum Due Amount

8. Co-signing a Loan

9. Not Paying Taxes on Time

10. Not Assessing Your Credit Report

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What is a Credit Score? Know factors affecting credit score and its importance for borrowers

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Why Should You Have Life Insurance?

Can I Choose the Policy Term and Premium Payment Term When Buying Life Insurance?

What Are Life Insurance Quotes?

Who Needs Life Insurance the Most?

What Are the Types of Life Insurance Plans?

Why Choose Axis Max Life Insurance?

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