If you’re looking to access loans or credit cards on favourable terms, maintaining good credit health is a must. After all, a solid CIBIL Score indicates to lenders that you have a history of trustworthy behaviour as a borrower. An important step in building such a score is monitoring your credit regularly.
While you can purchase a CIBIL Membership at a subsidised cost with a CIBIL Subscription discount code, the Credit Pass is a more affordable option.
Credit Pass Meaning
The Bajaj Finserv Credit Pass is a CIBIL-powered credit monitoring solution. It offers a more affordable route to get regular access to your credit health insights and the tools to analyse it. Affordably priced, this user-friendly service makes credit score tracking simple and accessible. This means you course-correct your financial behaviour and enjoy the perks of maintaining creditworthiness.
Benefits of Credit Pass
Credit Pass arms you with a robust set of tools to monitor and manage your credit over time:
- Regular Score Updates: Stay on top of your latest CIBIL Score every month to detect highs and lows. These checks benefit your credit health and have zero negative impact on your score.
- Personalised Credit Dashboard: Get a consolidated overview of all your credit accounts in one convenient dashboard to understand the big picture. Benefit also from the actionable tips to improve your score.
- Credit Factors Analysis: Track the metrics that contribute to the calculation of your score and understand how they are influenced by your habits. These include your credit utilisation ratio and your consistency with repayments.
- Credit Health Report: Receive valuable insights into your credit history and repayment patterns with the real-time Credit Health Report. Use it to enhance areas needing improvement.
- Credit Score Simulator: Assess if potential borrowing or payment actions could uplift or damage your score before executing them with this Premium tool.
- By driving informed credit choices, alerting you to issues early on, optimising your credit habits, and eliminating guesswork, Credit Pass fortifies your creditworthiness.
Process to Apply for Credit Pass
Wondering how to purchase a Credit Pass? The process is simple and straightforward, and will barely take a moment of your time. All you need is your mobile phone number and PAN card Status.
- Start by visiting the official Bajaj Finserv website and navigating to the Credit Pass page.
- Locate the ‘SEE YOUR CREDIT PASS’ option featured at the top of the page and click on it.
- Share your mobile phone number and complete the OTP verification process.
- Next, provide the basic details about yourself (name, PAN, etc.), as prompted.
- Select between the two available subscription plans for Credit Pass, per your needs:
- Standard plan, priced at Rs. 59 for 6 months access
- Premium plan, priced at Rs. 99 for 12 months access
- Complete payment for your chosen plan through one of the secure payment methods available.
- Login with the unique 12-digit Credit Pass number assigned to you.
Investing in a comprehensive credit management solution like the Bajaj Finserv Credit Pass is the best way to prioritise future financial stability. The nominally-priced subscription plans fit comfortably into the tightest of budgets and promise a wealth of credit control. So, hurry up and get your Credit Pass today!
