Your go-to resource for financial wellbeing

Credit Score

Yes, 780 is a good CIBIL score. Lenders usually treat anything from 750 up as strong, and Google Pay's own CIBIL bands put 771 to 790 in the "prime plus or good" group. But a good score isn't a guaranteed yes. Approvals at 780 still fail for three common reasons: your income can't comfortably carry the new EMI, you've applied for credit too often recently, or the lender's own rules rule you out.

By Mohit Juneja | 22 October 2026

Debt Management

A loan write-off means the bank removes the loan from its books for accounting, but you still owe the money and it can still recover it. A loan waive-off means the bank cancels part or all of what you owe, so that part is no longer due. One changes the bank's books; the other changes your debt.

By Mohit Juneja | 22 October 2026

Credit Card

Credit card settlement time is how long it takes from your first request to a settlement letter from the bank. There is no fixed period. It depends on the bank’s policy, your savings and how quickly the bank agrees. Each bank sets its own pace.

By Mohit Juneja | 22 October 2026