Stored on this device only
Credit score tracker
Log the score your bank app already shows you. Watch the direction of travel before you spend a hard enquiry on an application.
CredSpy does not pull credit bureau data. Everything here is the score you entered, and eligibility estimates that use it are indicative only.
Your trend
Log at least two readings to see the trend line.
What actually moves the number
Pay the full statement, not the minimum
Revolving a balance costs 36–46% a year and is the single fastest way to damage a score.
Keep utilisation under 30%
Spending ₹30,000 on a ₹1,00,000 limit reads very differently from spending ₹80,000 on it, even if both are cleared.
Space out applications
Each application is a hard enquiry. Three in a month reads as credit hunger; one a quarter does not.
Keep your oldest card open
Average account age is a scoring factor. Closing a lifetime-free first card shortens your history for nothing.