684 CIBIL Score

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

684 CIBIL Score: Is it Good or Bad?

A 684 CIBIL score is considered average and slightly below the "good" range. It indicates moderate creditworthiness, meaning lenders may approve your credit applications but with higher interest rates and stricter terms. While it is not a poor score, there is room for improvement to access better financial products. A score above 700 is usually preferred by lenders for offering competitive interest rates and premium credit options. Practising financial discipline, such as timely repayments and maintaining a low credit utilisation ratio, is essential to improve your score. Consistent effort can help you achieve better creditworthiness and financial opportunities.

How to improve your 684 CIBIL Score?

Improving a 684 CIBIL score requires disciplined credit management. Pay all EMIs, credit card dues, and bills on time to establish a positive repayment history. Keep your credit utilisation ratio below 30% to demonstrate responsible borrowing habits. Avoid applying for multiple loans or credit cards simultaneously, as frequent hard inquiries can reduce your score. Regularly monitor your CIBIL report for discrepancies or errors and address them promptly. Maintaining a mix of secured and unsecured credit further strengthens your profile. By consistently practising these habits, you can steadily raise your score above 700, unlocking better credit terms and financial opportunities.

How does a 684 CIBIL Score impact interest rates?

A 684 CIBIL score can result in higher interest rates and stricter borrowing conditions, as lenders may view it as a moderate-risk score. While you may still qualify for loans or credit cards, the borrowing costs are higher compared to those with scores above 750. Improving your score by making timely repayments, maintaining low credit utilisation, and avoiding frequent credit applications can help secure better interest rates. A higher CIBIL score demonstrates financial reliability, encouraging lenders to offer more competitive terms and premium credit options. Consistent credit management can lead to significant financial savings and broader opportunities.

Frequently asked questions

Is 684 CIBIL score good?
A 684 CIBIL score is average but not considered good. It indicates moderate creditworthiness, allowing access to loans or credit cards but at higher interest rates. Improving your score above 700 through timely payments and disciplined credit usage can enhance your financial opportunities.

Is 684 credit score bad?
A 684 credit score is not bad but falls short of the "good" range. It reflects moderate credit risk, which can lead to higher borrowing costs. Practising disciplined financial habits, such as paying dues on time and reducing credit utilisation, can improve your score.

Can I get a 684 credit card with?
Yes, you can get a credit card with a 684 score, but your options might be limited to basic cards with fewer benefits. Improving your score above 750 through consistent credit management can help you qualify for premium credit cards with attractive features and benefits.

Show More Show Less

Related videos

Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.