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Originally Posted by RJK I never knew the concept of credit history existed in India! |
Yes, it does. And you are punished for having a good credit history.... by having more calls from DSA's and bank offering you 'great deals' because of your good rating with the bank.
I keep getting atleast 5 calls a week from a bank asking me to take a personal loan, just because I have always paid my credit card bills on time!