If your credit score is between 600 and 749, it shows effective credit management. Continue practicing responsible behavior to improve your score. You’re considered low risk for payment defaults, but may have limited negotiation power for favorable loan interest rates.

A Credit score between 450 and 599 is generally considered fair, indicating potential struggles with timely due payments. If you come under this score, it indicates a slightly higher credit risk, which could result in higher interest rates on your loan.

A Credit score between 0 and 449 is often seen as a low credit score. It could mean that there have been past late payments or defaults on credit card bills or EMIs for loans. A low credit score indicates a high credit risk. This can make it difficult to get loans or credit cards. Here, lenders will often view you as a potential defaulter, which will make it difficult for you to get a loan.