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Did you apply for a credit card and it was declined because of a poor credit score? Low credit card and loan penetration :Most users still rely on cash or UPI for transactions, which do not make any contribution to credit history. Poor repayment behaviour: Late payments or defaults on credit card bills and loan EMIs significantly lower credit scores. V. Multiple loan applications in a short time: Applying for multiple credit cards or loans within a short period leads to hard inquiries, reducing credit scores. Inactive credit history: Many people don’t take loans or use credit cards at all, which results in no credit history, making it difficult to get credit when needed.

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