How to Join the 800+ Club – The “High Score” Strategy
Reaching 800+ isn’t about income; it’s about discipline. This “VIP Tier” unlocks the lowest interest rates and pre-approved offers in the market.
- The 30% Rule: Never use more than 30% of your total credit limit to avoid looking “Credit Hungry” to algorithms.
- The “Pre-Payment” Hack: Pay off large spends before the bill is generated to report a low balance to CIBIL.
- Old is Gold: Never close your oldest credit card; it wipes out years of your “Good History”.
Watch this video for the full playbook on hacking the credit algorithm.