Credit Score to Cheaper Loans: Utilization, DPD 0, Enquiry Spacing, Limit Strategy

Pricing follows risk. Clean inputs produce cheaper offers.

Levers That Actually Move Pricing

• Utilization: Keep credit card utilization under 30% of limits. Request higher limits before big spends.
• DPD 0: A single 30‑day miss can dent pricing for months. Use auto‑pay for all loans and cards.
• Enquiry spacing: Group applications within a short window or avoid multi‑app spams. Too many hard pulls hurt.
• Oldest line: Do not close your oldest card. It anchors credit history length.

Relationship and Hygiene

• Consolidate products with one bank if it improves pricing. Keep salary account and loan together where possible.
• Dispute bureau errors early. Lenders rely on the bureau, not your spreadsheet.

Tools

• EMI Calculator: See the rupee impact of 50 bps better pricing.