Is 789 Good Credit Score?

Credit Card
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789 good credit score?

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A credit score of 789 puts you in the ‘excellent’ league in India. It reflects your strong repayment history, disciplined loan management, and smart credit use. With this score, lenders see you as a trustworthy borrower, often rewarding you with faster approvals, higher limits, and better deals.

Here is what a 789 score can mean for you:

  1. Quick Approvals: Banks and NBFCs see you as low-risk, so loan approvals are faster.
  2. Lower Interest Rates: A high score helps you secure loans at more competitive rates.
  3. Higher Loan Limits: Your history of responsible credit use allows lenders to offer larger amounts.
  4. Pre-Approved Offers: You are more likely to receive ready-to-use personal loan or credit card deals.
  5. Premium Credit Cards: Access to top-tier cards with rewards, cashback, and lifestyle benefits.

Across all major credit bureaus in India, 789 fall in the excellent credit range. In short, it not only boosts your borrowing capacity but also gives you greater negotiation power with lenders.