The content is accurate at the time of publication and is subject to change.

Based on the salary one earns, amount in credit that goes to a bank or various banks, monthly regular payments and a clean financial records gives an individual a higher credit score or also called credit rating, which  makes it easier to avail a loan or apply for a credit card or even a mortgage.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products 'Terms & Conditions on the issuing banks' websites.