752 Credit Score: Is It Good or Bad

A credit score of 752 is considered good and reflects responsible financial behaviour. It shows that you’ve made timely repayments and managed credit well over time. With this score, you are likely to be viewed favourably by lenders when applying for loans or credit cards. Understanding what this score means, the benefits it may offer, and how to maintain or improve it can help you make better financial choices.

A credit score of 752 can strengthen your chances of getting better credit offers from most lenders. However, each credit bureau may interpret this score slightly differently. Here’s how a 752 score is viewed by major credit bureaus in India:

Lenders in India and globally consider a credit score of 752 as a strong indicator of financial reliability. It reflects consistent repayment habits, low credit utilisation, and a stable credit history. Borrowers with this score are generally seen as low risk, which increases the likelihood of loan approvals. This is why 752 often becomes a practical cut-off point for lenders when evaluating creditworthiness.

 

With a 752 score, you may gain access to a wide range of credit products, often at lower interest rates and better terms. Lenders are more willing to offer pre-approved loans, higher credit limits, and faster processing. This score helps position you ahead of other applicants and enhances your financial credibility.

A credit score of 752 can strengthen your credit profile and help you secure better loan terms, higher limits, and quicker approvals. Here are some credit products you may be eligible for with this score:

Home Loans at Favourable Interest Rates

With a 752 score, you stand a better chance of getting home loans at reduced interest rates. This can help lower your EMIs and total repayment burden. Lenders may also offer faster approvals, reduced processing fees, and a higher sanctioned amount, helping you plan your home purchase with confidence.

Pre-approved Personal Loans

Lenders often provide pre-approved personal loan offers to borrowers with a strong credit history. These loans come with minimal documentation, instant approval, and flexible repayment options. They can be used for a range of needs—emergencies, travel, education, or big-ticket purchases.

Top-tier Credit Cards

A good score like 752 may qualify you for premium credit cards with attractive features. These cards usually offer higher limits, cashback, travel benefits, and reward points. They also come with lower joining fees or annual charges, especially for high-value users.

Business Loans for MSMEs and Startups

Entrepreneurs with a 752 score may be eligible for business loans to manage operations, expand, or upgrade infrastructure. Lenders may offer larger loan amounts, structured repayment plans, and better interest rates. This can support your growth without immediate pressure on cash flow.

Professional Loans for Doctors, CAs, and Architects

Specialised loans are available for self-employed professionals to fund clinic setup, office expansion, or equipment upgrades. With a good score, you may get quicker approvals and flexible tenures. These loans are tailored to suit the unique financial needs of different professions.

Bike Loans with Flexible Tenures

If you’re planning to purchase a two-wheeler, your 752 score can help you get a bike loan on competitive terms. You may benefit from fast approvals, low processing fees, and custom repayment schedules, making ownership more affordable and convenient.

A 752 credit score puts you in a strong position to access better credit offers, but it still needs to be managed with care. Here are some practical ways to maintain it:

Pay All Dues on Time

Timely repayment of EMIs and credit card bills is essential to preserve your score. Even one missed payment can have a negative impact.

Keep Credit Utilisation Below 30%

Avoid using most of your credit limit, as high utilisation can reduce your score. Try to spend within 30% of your total limit.

Review Your Credit Report Regularly

Check your credit report for incorrect entries or outdated information. Raising a dispute early helps prevent your score from dropping unnecessarily.

Limit New Credit Applications

Frequent credit applications can lead to multiple hard enquiries. This may make you appear credit-hungry and reduce your score temporarily.

Maintain a Balanced Credit Mix

Use both secured and unsecured credit types, such as loans and cards. This shows that you can handle different kinds of credit responsibly.

Avoid Closing Old Credit Accounts

Older accounts contribute positively to your credit history. Closing them could shorten your credit age and lower your score.

While a 752 credit score is already good, moving closer to 850 can unlock even more favourable loan terms and credit offers. Here are steps that may help you improve:

Request a Higher Credit Limit but Spend Less

A higher credit limit lowers your credit utilisation ratio if spending remains the same. This could have a positive impact on your credit score.

Always Pay the Full Amount Due

Paying only the minimum due keeps the account active but may suggest dependency on credit. Full payments reflect stronger financial discipline.

Avoid Unnecessary Credit Enquiries

Every new loan or credit card application results in a hard enquiry. Too many enquiries can reduce your score temporarily.

Diversify Your Credit Types

A mix of secured and unsecured credit—like a home loan and a credit card—shows you can manage different credit forms. This can help improve your score.

Keep Older Accounts Open

The longer your credit history, the better it is for your score. Don’t close older credit cards if they are in good standing.

Clear Any Pending Dues

Outstanding balances may continue to affect your score over time. Paying them off can prevent further negative impact and improve your credit health.

A score below 752 may reduce your chances of getting better loan terms, but it can be improved with consistent effort. There are simple steps you can take to rebuild your credit health:

• Pay all outstanding EMIs and credit card bills on time to rebuild a consistent and positive repayment history

• Keep your credit card spending well below the available limit to improve your utilisation ratio

• Avoid applying for multiple loans or credit cards at the same time, as this leads to hard enquiries

• Check your credit report regularly to catch any inaccurate entries or suspicious activity early

• If you find errors in your credit report, raise a dispute with the credit bureau without delay

• Do not close old credit accounts, as they contribute to the length of your credit history

• Maintain a mix of secured and unsecured credit to show you can manage different credit types responsibly

• Consider requesting a credit limit increase but keep your spending unchanged to lower your utilisation ratio

Here’s how you can quickly check your CIBIL score online without any charges and stay informed about your credit health:

1. Click on the ‘Check Your CIBIL Score’ button

2. Enter your details including name, mobile number, date of birth, email, PAN, and pincode

3. Choose your employment type—salaried or self-employed

4. Accept the terms and conditions to proceed

5. Click on ‘Get Report’ to view your credit score