665 CIBIL Score

665 CIBIL Score: Simple Tips to Improve and Secure Better Financial Options
CHECK SCORE
665 CIBIL Score
CHECK SCORE
3 mins read
05-Feb-2025

665 CIBIL Score: Is it Good or Bad?

A 665 CIBIL score is considered average and lies below the "good" range. It suggests moderate creditworthiness, meaning you may qualify for loans or credit cards, but likely with higher interest rates and stricter terms. Lenders may perceive you as a medium-risk borrower, which can limit your financial opportunities. To improve your eligibility for premium financial products and better rates, you should aim for a score above 700. Practising disciplined credit behaviour, such as timely repayments and low credit utilisation, can help boost your score. A higher CIBIL score ensures better financial stability and access to advantageous products.

How to improve your 665 CIBIL Score?

Improving a 665 CIBIL score involves consistent credit management. Pay all your EMIs and credit card dues on time, as timely repayments significantly enhance your score. Keep your credit utilisation ratio below 30% to demonstrate responsible credit use. Avoid frequent loan or credit card applications, as hard inquiries can reduce your score. Regularly monitor your CIBIL report for errors and dispute any inaccuracies. Maintaining a balanced credit portfolio, including secured and unsecured credit, can also improve your score over time. With disciplined financial practices, you can elevate your score above 700, gaining access to better financial products and terms.

How does a 665 CIBIL Score impact interest rates?

A 665 CIBIL score can lead to higher interest rates, as lenders see you as a moderate-risk borrower. While you may qualify for credit, the terms may include higher EMIs or stricter repayment conditions. To access loans at lower interest rates, work on improving your score through consistent on-time payments and maintaining low credit utilisation. A higher score, typically above 750, assures lenders of your financial reliability, helping you secure loans and credit cards with better terms and reduced borrowing costs. Improving your CIBIL score not only saves money on interest but also widens access to premium financial products.

Frequently asked questions

Is 665 CIBIL score good?
A 665 CIBIL score is average but not considered good. It suggests moderate creditworthiness, limiting your access to favourable loan or credit card terms. To access better interest rates and financial products, aim to improve your score above 700 through timely payments and responsible credit management.

Is 665 credit score bad?
A 665 credit score is not bad but is below the "good" range. It indicates moderate risk, which may result in higher interest rates or restricted credit options. By paying dues on time, reducing credit utilisation, and maintaining a healthy credit mix, you can improve your score and qualify for better terms.

Can I get a 665 credit card with?
Yes, you can get a credit card with a 665 score, but your options may be limited to basic cards with fewer rewards and lower credit limits. Premium cards typically require a higher score. Improving your score through disciplined credit habits can help you access better credit card options in the future.

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