In today's digital era, mobile phones are used not only for conversation but also for banking, shopping, payments, and many other important tasks. But do you know that paying your mobile bill can affect your credit score? Yes, if you do not pay your mobile bill on time, it can spoil your credit score. Let us know some special information related to this.

Credit Card

A good credit score is very important while applying for credit cards and loans in India. While repaying loans and using credit cards is the biggest part of your credit score. The credit score ranges from 300 to 900, where a score above 700 is considered good.

Credit Score

Although the mobile bill does not directly affect the credit score if you do not pay the postpaid mobile bill on time, then the telecom company reports it as a default, then it can be added to your credit history. Due to this, your credit score falls.

Late payment and default

If you do not pay your mobile bill on time and the matter reaches default, then the telecom company can report it to the credit bureau. Therefore, compared to prepaid plans, bill payments related to postpaid plans can have a direct impact on your credit score.

Payment by credit card

If you pay your mobile bill with a credit card and do not pay the credit card bill on time, then this can also hurt the credit score.

How to maintain a good credit score

To maintain a good credit score, focus on paying credit card bills and loan EMIs on time. Set auto pay or reminder for mobile bills so that payment can be made on time. If there is any mistake in the bill, contact the company immediately.

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