What is a credit score? (2024)

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\ ', afterLoading: function() { var widgetElement = document.querySelector('#open_in_app_widget_type_2'); document.querySelector('#backdrop').addEventListener('click', function(e) { if (e.currentTarget.classList.contains('open-inApp-backdrop') && !widgetElement.classList.contains('hide-openInApp') && !widgetElement.contains(e.target)) { widgetElement.classList.add('hide-openInApp'); e.currentTarget.classList.remove("open-inApp-backdrop"); document.querySelector('body').classList.remove('no-scroll'); } }); // document.querySelector('.open-inApp-backdrop').onclick = function(e) { // var openInAppBackdrop = document.querySelector('.open-inApp-backdrop'); // var ignoreClickOnOpenAppElem = document.querySelector('#open_in_app_widget_type_3'); // if(e.target != document.querySelector('#open_in_app_widget_3')) { // ignoreClickOnOpenAppElem.classList.add('hide-openInApp'); // openInAppBackdrop.classList.remove("open-inApp-backdrop"); // } // } }, bindEvent: function() { }, placeholder: { position: "beforeend", // accepted value : "afterbegin" "afterend" "beforebegin" "beforeend" selector: "body" }, trigger: { evnt: "load", elm: "window", }, }, type_3: { html: '\

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', afterLoading: function() { var productType = window.location.pathname.split('/')[1].replace('-', ' ') || 'Home'; var OpenInAppWidget = { openInAppContainer: document.querySelector("#open_in_app_widget_type_3"), hide: function() { this.openInAppContainer.classList.add("hide-openInApp"); this.openInAppContainer.classList.remove('show-openInApp'); }, show: function() { this.openInAppContainer.classList.add("show-openInApp"); this.openInAppContainer.classList.remove('hide-openInApp'); }, dismissed: false } OpenInAppWidget.hide(); // Show Widget when Page Scrolled 70% var scrolledHight = $(window).height(); window.addEventListener("scroll", debounce(function() { if (document.documentElement.scrollTop < (scrolledHight * 0.7)) { OpenInAppWidget.hide(); } else { if (!OpenInAppWidget.dismissed) { OpenInAppWidget.show(); customGaEvents("Download", "Download - Widget - Type_3 - View", document.querySelector('#primary_cta_type_3').textContent + ' - ' + document.querySelector('#secondary_cta_type_3').textContent + ' - ' + productType); } } }, 200)) // Hide Widget On Remind Me later Click document.querySelector("#secondary_cta_type_3").addEventListener("click", function() { OpenInAppWidget.dismissed = true; OpenInAppWidget.hide(); }); // Show Fixed Button Open in App on Upscroll var openInAppCta = document.querySelector('.open_inApp_onUpScroll'); var lastScroll = $(window).scrollTop(); window.addEventListener('scroll', function(e) { var currentScroll = $(window).scrollTop(); if (currentScroll > lastScroll + 5) { openInAppCta.classList.remove('show-openInApp'); } else if (currentScroll < lastScroll - 5 && OpenInAppWidget.dismissed) { openInAppCta.classList.add('show-openInApp'); customGaEvents("Download", "Download - Widget - Type_3 - View", document.querySelector('#widget_openInApp_action').textContent); } // Update the old value lastScroll = currentScroll; }); }, bindEvent: function() { }, placeholder: { position: "beforeend", // accepted value : "afterbegin" "afterend" "beforebegin" "beforeend" selector: "body" }, trigger: { evnt: "load", elm: "window", }, } } // slice and reverse is to maintain the array ordering precedence. // Second way is to put only unique regex in config, such that // one page will have only one matching widget. config.slice().reverse().forEach(function(item) { if (document.querySelector('#open_in_app_widget_' + item.template) || !isMobileDevice()) { return; } var loc = window.location.pathname; // Get Product Name var productType = window.location.pathname.split('/')[1].replace('-', ' ') || 'Home'; if (typeof item.urlRegex == "undefined" || loc.match(item.urlRegex)) { var selectedTemplate = template[item.template]; // Creating HTML var wrapper = document.createElement('div'); wrapper.innerHTML = selectedTemplate.html; // Heading Change if (item.heading && wrapper.querySelector('#widget_heading_' + item.template)) { wrapper.querySelector('#widget_heading_' + item.template).textContent = item.heading; } // Primary CTA Change. The if condition are as per precedence if (window.mobAppRedirectLink && !(item.primaryCta && item.primaryCta.href)) { wrapper.querySelector('#primary_cta_' + item.template).href = window.mobAppRedirectLink; } if (item.primaryCta && item.primaryCta.href) { wrapper.querySelector('#primary_cta_' + item.template).href = item.primaryCta.href; } if (item.primaryCta && item.primaryCta.text) { wrapper.querySelector('#primary_cta_' + item.template).textContent = item.primaryCta.text; } // Secondary CTA Change // Bind events var placeholder = item.placeholder || selectedTemplate.placeholder; var trigger = item.trigger || selectedTemplate.trigger; if (trigger.elm == 'window' && trigger.evnt == 'load') { // Inject and Show directly the widget as this function is running on load event. document.querySelector(placeholder.selector).insertAdjacentHTML( placeholder.position, wrapper.innerHTML ) } if (trigger.elm != 'window' && trigger.evnt.match('click')) { var elements = document.querySelectorAll(item.trigger.elm); wrapper.firstChild.classList.add('hide-openInApp'); $(document).on(trigger.evnt, item.trigger.elm, function(event) { if ($(event.target).closest(item.trigger.exclude).length) { return; } event.preventDefault(); document.querySelector('#backdrop').classList.add("open-inApp-backdrop"); changeRedirectAppPrimaryCtaLink(event, item.template, loc); document.querySelector('#open_in_app_widget_' + item.template).classList.remove('hide-openInApp'); document.querySelector('body').classList.add('no-scroll'); if (item.ga) { // var gaLabel = event.currentTarget.querySelector(item.ga.selector).getAttribute(item.ga.dataAttr); } var secondaryCta = ''; if (document.querySelector('#secondary_cta_' + item.template)) { secondaryCta = document.querySelector('#secondary_cta_' + item.template).textContent; } customGaEvents("Download", "Download - Widget - " + item.template.charAt(0).toUpperCase() + item.template.slice(1) + " - View", document.querySelector('#primary_cta_' + item.template).textContent + ' - ' + secondaryCta + ' - ' + productType); }); // Inject the HTML document.querySelector(placeholder.selector).insertAdjacentHTML( placeholder.position, wrapper.innerHTML ) } // after template injected selectedTemplate.afterLoading(); // Add GA events on primary and secondary click var primaryCtaLink = document.querySelector('#primary_cta_' + item.template); var secondaryCtaLink = document.querySelector('#secondary_cta_' + item.template); if (document.querySelector('#widget_openInApp_action')) { document.querySelector('#widget_openInApp_action').href = primaryCtaLink.href; } if (primaryCtaLink) { primaryCtaLink.addEventListener('click', function(ev) { customGaEvents("Download", "Download - Widget - " + item.template.charAt(0).toUpperCase() + item.template.slice(1) + " - Click", ev.currentTarget.innerText + ' - ' + productType); }); } if (secondaryCtaLink) { secondaryCtaLink.addEventListener('click', function(ev) { customGaEvents("Download", "Download - Widget - " + item.template.charAt(0).toUpperCase() + item.template.slice(1) + " - Click", ev.currentTarget.innerText + ' - ' + productType); }); } } }); }); function changeRedirectAppPrimaryCtaLink(ev, widgetType, pathname) { var primaryCtaLink = document.querySelector('#primary_cta_' + widgetType); var secondaryCtaLink = document.querySelector('#secondary_cta_' + widgetType); // We have current location, event and widget where the link needs to be changed if (pathname.match('/mutual-funds/')) { var webLink = ev.currentTarget.querySelector(".scheme-name a").getAttribute("href"); if (webLink && secondaryCtaLink) { secondaryCtaLink.href = webLink; } var schemeId = ev.currentTarget.dataset.schemeId var redirectLink = 'https://etmoney.onelink.me/unJQ?pid=mweb-organic&c=OIA_schemeid_' + schemeId + '&af_ios_url=' + encodeURIComponent('https://apps.apple.com/in/app/etmoney-mutual-funds-sip-fd/id1212752482') + '&is_retargeting=true&af_inactivity_window=7d&af_dp=' + encodeURIComponent('https://www.etmoney.com/mobileApp/App/investment?state=7&schemeId=' + schemeId) + '&af_web_dp=' + encodeURIComponent('https://www.etmoney.com') + '&af_android_url=' + encodeURIComponent('https://play.google.com/store/apps/details?id=com.smartspends&hl=en_IN&gl=US'); } else if (pathname.match('/fixed-deposit')) { var webLink = ev.currentTarget.querySelector("td a").getAttribute("href"); if (webLink && secondaryCtaLink) { secondaryCtaLink.href = webLink; } } else if (pathname.match('/credit-card/')) { var webLink = ev.currentTarget; if (webLink && secondaryCtaLink) { secondaryCtaLink.href = webLink; } } // TODO: Link for product listing to be generated if (redirectLink) { primaryCtaLink.href = redirectLink; } } // ()();

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Credit Score

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It's a three-digit number used by banks/lenders to evaluate your creditworthiness i.e. what are the chances of you repaying your debt. A high score indicates that you are a responsible borrower and pay your EMIs, and credit card bills on time.

A person with a high credit score has a high probability of getting lower interest rates on loans as compared to someone with a less credit score.

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