Neutral impactEconomy
How to improve credit score: Clearing card dues vs reducing outstanding loans – Comparison by personal finance expert
Mint 28 min ago·13 Nov 2026, 10:39 am
Both credit card balances and loans matter when building creditworthiness. Paying cards in full and maintaining low utilisation can help relatively quickly, while steadily reducing loans and making every EMI on time strengthen the profile over time.
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