Blogs, Guides & Updates by Monzy

Last updated on Aug 28, 2026

No overnight fix exists, but here's what actually moves your CIBIL score fast: the 90-day playbook, the myths wasting your time, and a realistic timeline.

Last updated on Aug 28, 2026

A soft pull never touches your CIBIL score. A hard pull costs 5-10 points and stays for 24 months. Here's how to tell them apart before you apply.

Last updated on Aug 27, 2026

Budgeting only goes so far on a small salary. Here's legit work-from-home income in India for 2026 — real ₹ numbers, and the scam apps to skip.

Last updated on Aug 27, 2026

HDFC Bank is retiring the original Swiggy HDFC Bank Credit Card and migrating every holder to Swiggy Ornge or Swiggy BLCK. Here is the fee math, the cashback rate cut hiding inside the default option, and exactly what you need to redo before your old card stops working.

Last updated on Aug 25, 2026

EMI, maintenance and rent costing more than your flat is realistically appreciating? Run the sell-and-clear-debt math, the 12.5% LTCG tax hit, and the interest-free family loan alternative here.

Last updated on Aug 24, 2026

Not six months of income. Three to six times your essential expenses, in a liquid fund. The real number, and how to build it while repaying EMIs.

Last updated on Aug 23, 2026

RBL Bank and Shoppers Stop launched three co-branded cards on 21 August 2026. Fees, reward rates, and whether the fee actually pays for itself.

Last updated on Aug 25, 2026

Raise your CIBIL from 600 to 750 with a real plan — the 90-day fixes, the 12-month rebuild, and the mistakes that quietly cost you points.

Last updated on Aug 24, 2026

Thinking of closing a credit card before your home loan application? Don't. Here's the CIBIL math on why it backfires, and the one case where closing is right.

Last updated on Aug 24, 2026

The CIBIL score range runs from 300 to 900, but the bands don't work the way you think. Here's what 600, 650, 700 and 750 actually get you — and where the gains stop.

Last updated on Aug 24, 2026

The minimum CIBIL score for a credit card isn't 750. It's a filter setting, not a law. Here's the real per-issuer threshold, band by band, and what to do below each one.

Last updated on Aug 24, 2026

No CIBIL score and no card? Here's how to break the loop — 3 FD-backed cards that approve new-to-credit applicants, and the 12-month plan to go unsecured.