Use your credit card to improve credit score

If you have availed a credit card and you are not using it then you should know that it can have a negative impact on your credit score and credit information report (CIR).

According to CIBIL if you are  unused credit cards will not drastically impact your credit score if you have been regular at payment.

Though rare but there are chances that banks might suspended and close your credit card for no activity reason.we would suggest users to use their CC atleast once a month or so.By using the card once in a while, the issuer bank will consider it active, and you won’t be at risk for taking a hit to your credit score.