Your credit rating plays a big role in your financial life. It tells lenders how likely you are to repay loans on time. A higher score means more loan approvals, better credit card offers, and even lower interest rates.
But here’s the good news — you don’t need complex tricks or big changes to improve your score. You just need the right habits — and the right tools. One such tool is the Bajaj Finserv Insta EMI Card. It helps you shop smarter, manage EMIs better, and build a strong credit profile over time.
Let’s break it down step by step.
What is a credit rating, and why should you care?
A credit rating (or credit score) is a number between 300 and 900 that shows how trustworthy you are with money. The closer you are to 900, the better.
Why does it matter?
- Higher chances of getting a loan or credit card
- Lower interest rates
- Higher loan limits
- Better deals on insurance and rentals
Tip: A score above 750 is usually considered excellent.
Want better control over your finances? Your credit score is the first step.
What affects your credit rating?
Many people ask: “Why is my credit score low?” or “How can I fix my score fast?”
Here are the top things that impact your rating:
Factor |
Impact on Score |
Why It Matters |
Payment history |
35% |
Late payments hurt your score the most |
Credit utilisation |
30% |
Using too much credit shows financial stress |
Length of credit history |
15% |
Longer history = more trust from lenders |
Credit mix |
10% |
Having loans + credit cards is better than just one |
New credit enquiries |
10% |
Too many applications make you look risky |
How the Insta EMI Card can help improve your credit rating
If you’re just starting out or trying to fix your score, the Bajaj Finserv Insta EMI Card is a smart move. It gives you a pre-qualified card loan limit of up to ₹3 lakh, which you can use to shop and pay later in Easy EMIs.
Here's how it helps:
- Start building your credit: The card is easier to get than a credit card — perfect for new borrowers.
- Shop smartly: Buy electronics, furniture, travel tickets and more on Easy EMIs with over 1 million products at 1.5 lakh+ partner stores.
- Flexible repayments: Choose a tenure that works for you — from 3 to 60 months. Explore flexible tenures
- Boost your score: Repaying EMIs on time builds your credit history fast.
- Stay debt-free: No hidden fees, and you can even shop with zero down payment at select stores.
Check if you have a pre-qualified card loan offer — just enter your mobile number & OTP
Step-by-step: How to improve your credit score using Insta EMI Card
Want a simple plan? Follow these 5 steps:
- Get the Insta EMI Card
If eligible, you can get a virtual card instantly. - Use the card regularly
Buy everyday essentials or big-ticket items — flights, phones, furniture, etc. - Choose easy EMIs
Pick a tenure that fits your budget. Use the EMI Calculator to plan monthly payments. - Pay on time, every time
Timely EMI payments are the biggest score booster. - Track your usage
Keep your total usage under 30% of your ₹3 lakh limit to show financial discipline.
Only 2 steps to check your eligibility – enter mobile & OTP
Bonus Tips to Improve Your Credit Rating Faster
If you want to see real improvement in your credit score, try these practical tips:
- Set EMI reminders: Never miss a payment
- Avoid maxing out your credit limit
- Check your credit report regularly for errors
- Don’t apply for too many loans at once
- Keep older accounts open for longer credit history
Even small, steady steps make a big impact over time.
Check your eligibility in just 2 clicks – no paperwork needed
Why choose the Bajaj Finserv Insta EMI Card?
Here’s what makes it a smart financial tool for credit building:
Feature |
Benefit |
₹3 lakh limit |
Helps you make big purchases on EMI |
Shop from 1.5 lakh+ stores |
Across 4,000+ cities |
Easy EMIs |
Choose tenure from 3 to 60 months |
Zero cost EMI options |
On select items |
No hidden charges |
Transparent billing |
Instant approval & activation |
Get the card in just a few clicks |
Money in 24 hours: Use your limit immediately after approval
Summary: Improve Your Credit Rating with Confidence
Improving your credit rating doesn’t have to be hard. With the Insta EMI Card, you can build a strong credit score just by spending smartly and paying EMIs on time.
Whether you're planning a big purchase or just want to be ready for future financial needs, the Bajaj Finserv Insta EMI Card is your credit-building partner.
Enter your mobile number to see your Insta EMI Card offer in seconds
Check eligibility now – no documents, no delays
