Wishfin is India's premier fin-tech company that offers customer friendly, neutral and customised financial marketplaces for loans, credit cards, digital gold and savings. Those earning more than INR 35,000 to upto INR 50,000 will need to pay the loan at 11-11. Gold Loan Interest rates, which vary from one lender to another, range from 9% to 20% per annum. Serra Geral. 0120-4215026 [email protected] RBI's Sachet Portal. We advise customers/viewers to choose from best offers from Banks and itsYes Bank Loan Against Property is a Mortgage Loan with lowest interest rates. You will earn 1 Reward Point on Spending ₹125 from this. - Make bookings on Bookmyshow and get 2. It is reflected either in the bank. Simranjeet Singh. 8. com will store and process your data only in servers located within India, in accordance with RBI circular on Digital Lending dated 02nd September, 2022 and any other regulation applicable on Wishfin. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:The tenure for a car loan usually ranges from 1-5 years. AUM (in Rs. When rates are low, customers can easily pay the loan amount within the tenure. With it, borrowers will see an increase in a rate hike and a tenor duration for their EMI and loan. 00%. The FLS assisted me personally and answered all my EMI & Loan related queries. The details include PAN Number, name and date of birth (DOB) as per the PAN Card, along with your residence, email-ID and mobile number. E-Mail ID. Apply for credit cards with exciting offers, great rewards and benefits only at Wishfin. 85% per annum. Residence Proof – Any of Voter ID, Driving License, Aadhaar Card or Passport or Utility Bill. INR 12000 + Applicable Taxes. Loan Amount. 0120-4215026 [email protected] RBI's Sachet Portal. | Wishfin is India's premier fin-tech company and has pioneered financial marketplaces in India. 0120-4215026 [email protected] RBI's Sachet Portal. Graded rate of interest based on External Credit Risk Rating BR+ 2. Continue reading "From The Founder’s Desk – A. In the transaction, type selects the Debit option and then select View. Tata Capital. Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. Wishfin being an official TransUnion partner, has been the first whatsapp enabled platform that provides authentic and accurate CIBIL Scores. Generally, grace period is the sum of one cycle, which is the initial grant period, and 20 days. Get a Cashback of 4% on ordering food from Swiggy. Enjoy 10% cashback on Swiggy through this card. Create your account by entering your name, email address, and password of your choice. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Keep Track Regularly. Revolving Credit on Credit Cards. com is funded by 4 investors. 0120-4215026 [email protected] RBI's Sachet Portal. Paying EMIs on time is very important. YES BANK Credit Card Reward Point Value in Rupees. All you’ll need is a laptop or smartphone with an internet connection. This FD plan is available for a limited period. - 15% off on up to 10 guests on the selected hotels. A minimum monthly income of ₹10,000 is essential. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. It is rated four stars by Value Research. Use this layout to classify and present this data based on regions, sub-region, and as a year-long trend. MMPL operated websites include Wishfin and Deal4loans. +91-9873054225 | Blog Payment History – Delay in repayment of your loan, constantly missing deadlines and outstanding payments on your credit card can have a bad effect on your CIBIL score. 60% per annum, Bank of Baroda provides an affordable rate of interest that helps individuals in keeping the EMI pocket-friendly. com from your laptop or download the app on your mobile device. 75% pa. 25% to 5. The document process of the unsecured credit cards is longer than the process of the secured credit cards. 8. Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. 00%. 35% of the loan amount, which is one of the lowest in the market. There will be a one-time processing fee of 1. Then enter the UAN number that has to be activated. Up to 10X rewards on spends over ₹ 20,000. With the recent financial crisis of COVID, we all have learned how much savings are important to us. = 52. 5-year Return. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Gold Loans are less dependent on your Credit Score. 00%. - Get a Free One-Year Membership of Club Marriot. Enjoy 1 Economy Class ticket for spending ₹1,25,000 in a year. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] 19th Floor, One World Centre Tower-2A-2B, 841 Senapati Bapat. Enter Mobile No. Wishfin is the first official fintech partner of TransUnion CIBIL – the company that provides official CIBIL score. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. Just to be sure, Wishfin asks a few more questions to double check your identity. Apply online for Standard Chartered Bank business loans with easy documentation speedy approval lower interest rates Easy EMI. Life Plus Senior Citizens Account. Check eligibility for Yes Bank Mortgage Loan and apply online at Wishfin. Check Deutsche Bank Personal Loan - Apply Online 2022 eligibility criteria, list of documents required, Calculate EMI and more only at WishfinBy accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. 50% p. Wishfin. 85% per annum. Tenure is the third and last thing that you will need to fill in the EMI calculator. Choose the type of loan. 00%. The most amazing benefit of a Gold Loan is its secured nature due to which customers can get the loan amount at lower interest rates ranging from 10% to 16% per annum on average. Here’s a list of our recommended funds for your long-term investment needs. COM | 9,645 followers on LinkedIn. Graded rate of interest based on Internal Credit Risk Rating BR+ 3. Enjoy a fuel surcharge waiver of ₹2400 in a year on this credit card. Have a 5% cashback on Amazon if you are a prime member of Amazon. Wishfin is the ultimate stop destination for all your queries and offers you the best deals in insurance and investment. Bears year of birth, photo and blood group on the card. D and mobile number. Soon after the process gets completed and to ensure your security & privacy, you will be automatically removed from Wishfin CIBIL Score Group on WhatsApp. How much funding has Wishfin raised till date?. Getting a Personal Loan is highly dependent upon on your Credit Score. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. We advise customers/viewers to choose from best offers from Banks and itsFollow the steps to learn how it works: Send an SMS to 1909 (toll-free) from the number you want to activate DND for. 85% for others. 900150. Enter the loan amount you need. There are three types of retirement income funds available in the market:-. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. Wishfin | Compare interest rates, calculate EMI and apply for loans online. It runs customer friendly, neutral, financial marketplaces that leverage proprietary. 55% and the maximum deposit limit of up to 2 crores. The education loan interest rates for higher studies in India or abroad is 7. Franklin India Equity Hybrid Fund. On the next screen you will be able to view your account balance along with the other details of your account. The lender does check the credit report to decide on the interest rate. Provide your full name as mentioned on the PAN card. Late Payment Charges:₹100-500 if the due amount ranges between ₹100 and ₹10001 or above. a for a period of at least 5 years. Wishfin competes with fintech start-ups such as PolicyBazaar and BankBazaar in the online loans segment. Wishfin Wishfin is helping their customers realise their wishes with the power of finance. The institution offers personalised service and grants collateral free loan up to the ticket limit of Rs. Simranjeet Singh. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] 19th Floor, One World Centre Tower-2A-2B, 841 Senapati Bapat. You can contact this number in case of any queries or complaints related to your Kotak credit card. Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. So, your personal loan amount eligibility of Andhra Bank would range between INR 19. The NPS calculator India aids you in determining the. Read this post to know about reasons for personal loan application rejection & What-Not-To-Dos !Disclaimer: MMPL does not sell any loans on our own and do not charge any fee from any customers/viewers. - This offer is valid only for the primary cardholders and for 1 year only. 9%. Revive your Credit History. INR 10000. film complet en françaisJobs. However, it incurs a charge of ₹100 plus applicable Goods and Services Tax (GST) at most banks in India. Wishfin will use the funding to make. This fund is offered by Tata Mutual Fund. Log in to your credit card account. In a major move that is set to redefine India’s banking space, Finance Minister Nirmala Sitharaman announced the merger of 10 public sector banks into four. 65%. Standard Chartered Bank. Wishfin is the first official partner of CIBIL having got the right to distribute credit scores and reports of individuals generated by the noted credit bureau. What is the interest rate of HDFC personal loan 2023? The latest interest rate in 2023 on the HDFC Personal loan is 10. You will get a message from your carrier saying your request will go into effect within 24 hours. 75% to 14. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Wishfin is a popular online platform to apply for credit cards and other financial products. Apply for Deutsche Bank Personal Loan - Apply Online 2022 online at lowest interest rates Nov 2023. - Renewal Fee- INR 500 + GST. Wishfin will use the funding to make acquisitions in niche segments, says Puru Vashishtha. Need not to worry as usually a score of 700/750 out of 900 is considered to be fair enough in grabbing the best deal. High Debts and Financial Burden. 15% - 11. Simranjeet Singh. Get CIBIL Score Instantly for Free and Save around INR 4,800 a Year (Only for Wishfin Customers) Instant Personal Loan Quotes from 17 Banks and Get the Best Deal. 10% - 9. Simranjeet Singh. Airtel Axis Bank Credit Card. You can check your credit score and credit report for free at Wishfin. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. Simranjeet Singh. To check your refund status income tax, you can follow the steps given below: Sign in to the official website of the Income Tax e-filing portal with the help of your user identification and profile password. 3. Want a personal loan but earn a modest salary? Don’t worry there are lenders that offer personal loans to individuals with less income. 49%. Emails and Direct Phone Numbers of Insurance Mutual Fundss Search and Find Anyone's Email Address, Direct Phone Number and Much More ZoomInfo’s database provides. Wishfin runs customer-friendly, neutral, financial marketplaces that leverage proprietary tech to ensure customers discover the right banking solution for their needs. Gender . old ifsc: new ifsc_code: ifsc_type: micr_code: bank_name: branch_name: city_name: address: district: state: std_code: phone_no: sbbj0010001: sbin0031001: branch. Interest rates are subject to change as per the RBI’s policy. 75% - 14. Note – 1) The ex-showroom price and on-road price are as applicable on the New Maruti Suzuki Dzire variants sold in New Delhi. If you have a CIBIL Score of 780 and above, you can get an HDFC Home Loan at an interest rate of 8. When you are unable to make payments on time, you may face the lawsuit from the creditors for the account in which you are having the defaults. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] 19th Floor, One World Centre Tower-2A-2B, 841 Senapati Bapat. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. 60%. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] 19th Floor, One World Centre Tower-2A-2B, 841 Senapati Bapat. Mention your current mobile phone number, which needs to be updated in Aadhaar. Fill out the form and provide your. 31st December 2021. Canara Bank education loan helps you with the required funds to pursue the pilot training course. Enjoy a discount of 15% on gold jewellery making charges. By accepting our "Terms and Conditions" you authorize WIshfin and its associated Partner Banks to run a CIBIL/Experian check for your profile. Does Wishfin Charge on Providing Credit Score? No, the service is totally free. 00%. HDFC Superia Credit Card Status. Although MPC has not changed the reverse repo rate, which is currently at 3. Our story has been one of steady change. Then touch the Get OTP button present at the bottom of the screen. Get CIBIL Score Instantly for Free and Save around INR 4,800 a Year (Only for Wishfin Customers) Instant Personal Loan Quotes from 17 Banks and Get the Best Deal. FD Calculator - Use fixed deposit calculator online and calculate maturity amount based upon current fd interest rates. The eligibility criteria based on which home loan applications are accepted are as follows: Any individual whether salaried or self-employed can apply for a. By accepting our "Terms and Conditions" you authorize WIshfin and its associated Partner Banks to run a CIBIL/Experian check for your profile. Request type *. Just give a missed call on 82 87 151 151 to get your Free CIBIL Score. Apply for credit cards with exciting offers, great. to meet the educational needs such as admission fees, purchase of books, and even travel expenses associated with overseas studies. - Spend on dining, groceries, supermarket, and other categories to earn 2 payback points except for Fuel. 50 lakhs, the processing fee would be just Rs. 2) Check monthly and track your Score over time 3) Unlock Financial Products based on your CIBIL score 4) Ena…This HDFC bank credit card will waive off your fuel surcharge and you can save some money on your fuel expenses. Additionally, Puru Vashishtha has had 1 past job as the Analyst at Soros Fund Management. Employment Status. 65%. Check your Cibil Score for Free using the this app. 8. Slice Credit Card, on the other hand, is designed to give consumers a 2% instant reward on every transaction. 95% - 12. However, your CIBIL score can play a major role in determining your final rate of interest that the bank will offer on your personal loan application. Let us now look at the returns of these funds. We advise customers/viewers to choose from best offers from Banks and itsAre you ready to step inside the Golden City of India, a marvelous destination that boasts an alluring culture as well as a rich heritage. Wishfin brings you a unique PERSONAL LOAN EXPERIENCE that puts YOU in charge!. Therefore, you must clear your credit card bills on time if you want to eliminate all. Credit Clean-up: You can improve your eligibility by increasing your credit score. 5% cashback on groceries, supermarkets and departmental store purchases. To avail the personal loan in Bank of India, you need to fit into the below eligibility criteria. For Android users, download the Wish app from the Google Play store. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. 10. HDFC Bank Sweep-in Fixed Deposit Facility. Minimum amount. I had goose bumps and was overwhelmed with the emotions of the journey. Axis Bank Ace Credit Card. com. Axis Bank Credit Card Customer Care Number. 35%, it has changed the marginal standing facility rate to. +91-9873054225 | BlogDownload Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. A higher credit score makes you a reliable borrower. India Shelter Finance Loan Against Property - Mortgage Loan Interest Rates 2016 India Shelter Finance Mortgage Loan Eligibility Calculate EMI. trusted financial service, we make loans easier for you. 12. Simranjeet Singh. 0120-4215026 [email protected] RBI's Sachet Portal. a. By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created. Know more at WishfinDisclaimer: MMPL does not sell any loans on our own and do not charge any fee from any customers/viewers. Enjoy a discount of up to 50% plus an instant savings of ₹2000 on the AJIO Gold Products. 9. Overlimit Charges:₹500. 00%. Wish experts would then contact you and forward your application to the concerned lender for an approval. 0120-4215026 [email protected] RBI's Sachet Portal. 95% - 12. Wishfin curates the best Loan offers based on your Unique Needs & Credit Health, so. 1-Year Return. 00%. 5% is applicable per month on the outstanding amount. If you want to know the short term loans that you can get from banks or NBFCs, read this post and check the details. Minimum investment amount of Rs. 90% earlier. 8. You can explore the offers of this credit card below:-. It is now mandatory to mention the bank PAN number if you want to get the benefit of tax exemption on home loans. Others may confuse you but Wishfin cares for you and your emotions. The ratio between a credit card’s limit and its balance can significantly Improve Credit Score. 11. 0120-4215026 [email protected] RBI's Sachet Portal. Determine your eligibility, find the interest rates and calculate the EMIs for your loan against property. You should be mindful of your credit card balance at all times because it can have a significant impact on your credit score. In AMB, these days usually can be 30 or 31 (depending on the month) while in AQB, the total number of days will be flat 90. 10% - 9. The network of our partners combined with our wide range of products have helped create a positive impact across small businesses in India. You can easily avail loan from the bank and can fulfill every wish of yours in the best possible way. Simranjeet Singh. The portfolio comprises 35 stocks with 68% in large-caps and 32% in mid and small-caps. Branch Name: Kankarbagh, Main Road, Patna Complete Address: 1st Floor, 101, Deo Siddhi Newton Plaza, Kankarbagh, Main Road, Patna – 800 020. 50%. You can visit the nearest bank branch to deposit cash to your credit card account. 10% - 9. 8. One of the efficient and popular methods is the Wishfin Gold where you can easily sell or buy Digi Gold without any trouble. The eventual rate will depend on your net income, repayment capability, location, employment stability or. Cash Transaction Charges. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:SBI Credit Card – one of the largest credit card providers in India, has now taken its total card customer base to more than 10 million. Enter your Full Name and the Date of Birth in the next options. Well, in order to secure her daughter’s admission, he was required to pay an upfront. It should be not be expiring in recent times of application. When it comes to maintaining a good CIBIL score, consistency is the key. The text should read start dnd or start 0 (varies from carrier to carrier). Education Loan is offered to the students for their higher education. The effective yield, which adds on to the interest rate offered, goes up to 11. - Get a Free Dish at the partnered restaurants on every visit. It is a dream to buy a home that fulfills your desire of having a freedom to enjoy the life. is a Non- Banking Finance Company (NBFC). Continue reading "SBI Becomes 1st. The country’s largest lender, State Bank of India (SBI), triggers the mind of borrowers by offering home loans at much lower interest rates and less processing fee. 0120-4215026 [email protected] RBI's Sachet Portal. +91-9873054225 | Blog Last 3 months salary slips/current dated salary certificate with the latest Form 16. Credit Cards with No Income Proof is possible on producing documents such as salary cheque, bank account statement, and lien a fixed deposit, etc. Kotak Mahindra Bank Education Loan supports you in every step towards fulfilling your ambition, apply for the loan online to meet your educational requirements. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Wishfin. 40% - 9. Full name *. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. 00% - 24. Get CIBIL Score Instantly for Free and Save around INR 4,800 a Year (Only for Wishfin Customers) Instant Personal Loan Quotes from 17 Banks and Get the Best Deal. Simranjeet Singh. Open your PC or Laptop and Log in to your HDFC Bank Net Banking account. Check Home Loan in New Delhi eligibility criteria, list of documents required, Calculate EMI and more only at Wishfin Apply for Home Loan in New Delhi online at lowest interest rates Nov 2023. Continue reading. com. As one of India's. 38%. Get unlimited free access to the airport lounges through the Dreamfolks Membership. Simranjeet Singh. We had just climbed a huge mountain, and. 65% per annum. Return Since Inception. Highlights A detailed look at credit score generated by top credit bureaus in India - CIBIL, Experian, Equifax, CRIF HIGH MARK Check out the history of credit bureaus, their. - Zomato Pro Membership Voucher of ₹800. Delete my data Send me a copy of my data. 0120-4215026 [email protected] RBI's Sachet Portal. Rating. 00%. Continue reading "Top Advantages of Buying the Property at Early Age"As the digital India and cashless wave beckons the winds of change, can students get credit cards in India? If yes, then under what conditions? Find out at Wishfin. Wishfin is India's premier fin-tech company and has pioneered financial marketplaces in India. Know about the schemes, maturity and interest calculator only at Wishfin. +91-9873054225 | BlogHDFC home loan currently offers interest rates starting at 8. Identity Proof – Any of PAN Card, Voter ID, Driving License, Aadhaar Card or Passport. By accepting our "Terms and Conditions" you authorize WIshfin and its associated Partner Banks to run a CIBIL/Experian check for your profile. 65% per annum. Crores) Goldman Sachs CPSE. · Monitor Card Repayment Status & Credit Utilisation. SMFG India Credit. Mention the details correctly before submitting the application. 50% - 10. +91-9873054225 | BlogLatest Updates. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Apply for credit cards with exciting offers, great rewards and benefits only at Wishfin. Credit Score is a 3-digit numeric summary of your credit history that represents your past credit behaviour that how well you have managed your credit products, like home loan, business loan, auto loan, personal loan or credit cards. After completing the simple paperwork, the account will be converted into a regular savings account and parents can no longer operate the account. Choose the Income Tax Return option. The processing fee is also quite lower. Also, get the MICR and address details of the bank’s branch at Wishfin. ; It's latest funding round was a Series A round on Jul 15, 2016 for $15. To do the required changes as per the RBI guidelines, all banks were closed on 8th November and ATMs on 8th & 9th November. Select ‘Dispute Type’ if you are disputing ownership or duplicate. It runs neutral financial marketplaces that leverage its proprietary technology to intermediate between the banks and customers seeking banking products. 5% of the shortfall in required MAB or Rs. You need to check your CIBIL score regularly so as to always keep a track of where you are lacking. 50% - 10. Address : E-30, Sector-8, Noida, UP-201301 +91-9873054225 [email protected] Customer Care Working Hours:Apply Bajaj Personal Loan @ 13. 95% - 12. Wishfin is an online platform run by MyWish Marketplaces Private Limited(MMPL). This credit card allows you to convert the purchase of ₹2500 and above into EMI transactions. 65%. The loan was disbursed within 24 hours and the money got credited the same day. com has raised a total of. 2,825-5,150 for new car. Furthermore, the landlord may ask you to vacate the house when. To meet the educational requirements apply for RBL Bank Education Loan. Free CIBIL Score Check. But do you know that you can buy Gold on installments with Wishfin Gold? This form of Gold is known as the Digi Gold. As home loans run for a very long time, typically in the range of 15-20 years on average, one could end up paying a huge amount of interest to the lender. You can easily apply for the card at Wishfin, an online marketplace for credit cards, loan and other financial products. 50 lakh at 11% interest rate for 3 years, outstanding loan balance after 6 months = INR 2,01,314, EMI payable = INR 8,185, interest paid so far = INR 16,794, total interest to be paid = INR 44,648. The eventual rate will depend on several factors such as age, employment type, job history, monthly income, CIBIL Score, etc. It’s worth noting that interest rates are subject to change based on. Get ready to indulge in a delicious shopping spree with this exclusive offer from Happilo and Kotak Mahindra Bank!Download Our Wishfin App: Follow us on: Grievance Redressal Officer Details : Gangesh Malhotra. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] One Indiabulls building ,Unit No 1901 – 1905,Check Tata Capital Home Loan eligibility, EMI calculator and documents required at Wishfin Tata Capital Home Loan - apply online at interest rates as low as 7. The minimum deposit amount needed to earn such interest is. With attractive interest rates and easy online approvals, we provide the fastest and most flexible access to funds that can be used for many major life events and expenses. Wishfin enables wishes through investment, credit, and smart financial management. Quarterly Average AUM of Goldman Sachs Mutual Fund (as on 30th June 2016) Rs. 00% - 24. To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] 19th Floor, One World Centre Tower-2A-2B, 841 Senapati Bapat. 50% to 1% of the loan amount. Date of Birth. Calculate your EMIs and apply online at Wishfin. 95% - 12. Step 3: Select the Tax Type. Suppose that you want an Axis Bank Gold Loan of INR 5 lakh for a period of 24 months at an interest rate of 15. So his FOIR will be = 21,000/40,000 X 100. And then Click to ‘Calculate’. 1000 notes. Before applying, you should perform a quick credit check.