Monthly Archives: July 2026

Top 7 Best Alternatives for Bad Credit Score – Low Credit Score Solutions 

This article covers 7 practical alternatives for bad credit score situations in India, including NBFC loans, fintech lenders, secured loans, P2P lending and credit builder products. 3 real borrower examples illustrate how each option works in practice. Read time: approximately 6 minutes.  Getting a loan when your CIBIL score is below 650 feels frustrating. Banks decline applications, often without explanation. But a low …

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Difference Between Bearer Cheque and Order Cheque 

This article explains the difference between a bearer cheque and an order cheque, two of the most common types of cheques in India. You will learn what each type means, how they are transferred, when to use them and what happens if a bearer cheque is lost or stolen.  When you fill out a cheque, 2 small words on that …

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What is Debit Card Hotlisting? Meaning, Process and What Happens Next 

Debit card hotlisting permanently blocks a lost or stolen card across all channels like ATM, POS and online in seconds. This article covers the debit card hotlisting meaning, how it differs from a temporary lock, how to hotlist a debit card through the app, net banking or helpline, real-life examples and what happens to your account afterwards. Takes about 5 minutes …

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SMA Meaning in CIBIL: What It is, Types and How It Affects Your Credit Score

This article explains SMA meaning in CIBIL, what Special Mention Accounts are, how the RBI’s 3-tier classification (SMA-0, SMA-1, SMA-2) works and what an SMA tag on your credit report means for your borrowing ability. Whether you’ve spotted it on your own report or are looking to understand SMA full form in banking, this guide covers everything and tells …

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