{"id":824,"date":"2026-08-06T13:41:44","date_gmt":"2026-08-06T13:41:44","guid":{"rendered":"https:\/\/gokiwi.in\/blog\/?p=824"},"modified":"2026-08-07T03:09:33","modified_gmt":"2026-08-07T03:09:33","slug":"how-to-improve-credit-score","status":"publish","type":"post","link":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/","title":{"rendered":"Smart Ways to Improve Your CIBIL Score"},"content":{"rendered":"\n<p>CIBIL score improvement starts with better repayment habits, lower credit usage, and a clear view of your credit report. For Indian credit card users, loan borrowers, and first-time credit users, small disciplined changes can make the credit profile stronger over time.<\/p>\n\n\n\n<p>A CIBIL score is a three-digit credit score issued by TransUnion CIBIL. It usually ranges from 300 to 900. Lenders use it along with your income, repayment capacity, employment details, and internal policies before approving a loan or credit card. A higher score can improve your chances of getting credit, but it does not guarantee approval.<\/p>\n\n\n\n<p>Here are smart ways to improve your CIBIL score without relying on shortcuts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Check Your Credit Report Before Taking Action<\/strong><\/h3>\n\n\n\n<p>Do not start by guessing why your score is low. Start by reading your credit report. It can show missed payments, overdue balances, high credit card usage, settled accounts, duplicate loan entries, incorrect personal details, or accounts that should have been closed.<\/p>\n\n\n\n<p>Check these details carefully:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your name, PAN, mobile number, and address<\/li>\n\n\n\n<li>Active loans and credit cards<\/li>\n\n\n\n<li>Outstanding balance on each account<\/li>\n\n\n\n<li>Days Past Due, also called DPD<\/li>\n\n\n\n<li>Settled, written-off, or overdue status<\/li>\n\n\n\n<li>Duplicate or unknown accounts<\/li>\n\n\n\n<li>Recent hard enquiries<\/li>\n<\/ul>\n\n\n\n<p>If you see an error, raise a dispute with CIBIL and the concerned lender. Keep payment receipts, closure letters, and lender emails ready.&nbsp;<\/p>\n\n\n\n<p>You can also check your CIBIL score and access your latest CIBIL report on Kiwi App.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Pay Every EMI And Credit Card Bill Before Time<\/strong><\/h3>\n\n\n\n<p>Payment history has a strong impact on your CIBIL score. Set up auto-debit, calendar reminders, and payment alerts so you do not miss EMIs, credit card bills, or credit line repayment timelines. The safest habit is to pay before time, ideally a few days before the due date.<\/p>\n\n\n\n<p>Missing the payment timeline is an absolute no-no. If funds are tight, pay at least the minimum amount due before the due date. Interest charges on the remaining balance can be high, so this is not a habit to rely on every month. But it can help you avoid a missed-payment mark while you arrange the remaining payment.<\/p>\n\n\n\n<p>If you already have overdue dues, clear them first. A fresh pattern of early or on-time payments will not erase older delays immediately, but it can show better current repayment behaviour.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Keep Credit Utilisation Low<\/strong><\/h3>\n\n\n\n<p>Credit utilisation means how much of your available credit limit you use. If your card limit is \u20b91,00,000 and your monthly outstanding is \u20b980,000, your utilisation is high.<\/p>\n\n\n\n<p>Try to keep your utilisation low, preferably around 30% or below. High usage can make you look dependent on credit, even when you pay on time. If your spending is genuine and you can repay comfortably, you can still reduce reported utilisation by paying part of the bill before statement generation or requesting a higher limit without increasing your spending.<\/p>\n\n\n\n<p>The goal is not to stop using credit. The goal is to use it within a level that looks manageable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Avoid Applying For Too Much Credit At Once<\/strong><\/h3>\n\n\n\n<p>Every time you apply for a credit card or loan, the lender may run a hard enquiry on your credit report. Too many hard enquiries in a short period can make lenders cautious.<\/p>\n\n\n\n<p>Before applying, compare eligibility criteria, fees, interest charges, and repayment terms. Apply only when the product fits your income, existing obligations, and credit profile.<\/p>\n\n\n\n<p>This is especially important before a home loan, car loan, education loan, or premium credit card application.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Keep Older Well-Managed Credit Accounts Active<\/strong><\/h3>\n\n\n\n<p>Credit history matters. An older card or loan with clean repayments can support your credit profile by showing lenders a longer record of responsible behaviour.<\/p>\n\n\n\n<p>Do not close your oldest credit card only because you use it less. If it has no major fee burden and you can manage it safely, keeping it active may help your credit age and utilisation ratio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Build A Healthy Mix Of Credit<\/strong><\/h3>\n\n\n\n<p>A credit profile with only unsecured debt, such as credit cards and personal loans, may look riskier than a profile with a balanced mix of secured and unsecured credit. This does not mean you should take a loan only to improve your score. Borrow only when there is a real need and a clear repayment plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Monitor Joint, Co-Signed, And Guaranteed Accounts<\/strong><\/h3>\n\n\n\n<p>If you are a joint borrower, co-signer, or guarantor, the other person&#8217;s repayment behaviour can affect your credit profile. A missed EMI on an account where you are legally linked may show up against you too. Review these accounts regularly before they become a surprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8. Use Credit For Planned Spends, Not Emergency Overspending<\/strong><\/h3>\n\n\n\n<p>Good credit habits are built when you use credit with a plan. Use your card for predictable spends such as groceries, food delivery, QR payments at merchants, utility bills, and everyday purchases that fit your monthly budget.<\/p>\n\n\n\n<p>Avoid using credit to cover expenses you cannot repay in full. Paying only the minimum due may protect you from being marked unpaid for that cycle, but interest charges can grow quickly. Use it only as a fallback when missing the due date is the alternative. If you use a credit card or credit line on UPI, apply the same rule. Treat it as a payment method, not extra income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Long Does It Take To Improve Your CIBIL Score?<\/strong><\/h2>\n\n\n\n<p>There is no guaranteed way to improve your CIBIL score overnight. Some changes, such as reducing card outstanding or correcting a report error, may reflect after lenders and credit bureaus update records. Deeper issues, such as repeated missed payments, settlements, or written-off accounts, can take longer to recover from.<\/p>\n\n\n\n<p>A practical timeline looks like this:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Time Period<\/th><th>What You Can Focus On<\/th><\/tr><\/thead><tbody><tr><td>First 7 days<\/td><td>Check your report, list errors, clear overdue dues, and stop unnecessary applications.<\/td><\/tr><tr><td>30 to 60 days<\/td><td>Lower utilisation, pay upcoming bills on time, and track whether corrections are reflected.<\/td><\/tr><tr><td>3 to 6 months<\/td><td>Build a visible pattern of timely repayment and controlled credit usage.<\/td><\/tr><tr><td>6 months and beyond<\/td><td>Maintain long-term discipline, avoid defaults, and keep credit usage stable.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mistakes To Avoid While Improving Your CIBIL Score<\/strong><\/h2>\n\n\n\n<p>Avoid quick-fix habits such as taking a loan only to improve your score, applying for several cards at once, ignoring report errors, missing repayment timelines, or paying only the minimum due every month. These actions can increase debt pressure or make your credit profile look risky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Build Better Credit Habits With Kiwi<\/strong><\/h3>\n\n\n\n<p>If you use credit for everyday payments, Kiwi can help you bring credit and UPI together in a simple way. You can scan and pay merchants using a RuPay credit card on UPI, track spends in the app, manage repayments, and earn eligible cashback on QR payments.<\/p>\n\n\n\n<p>You can also consider products like Kiwi Postpaid, a Credit Line on UPI, for planned merchant payments. When used responsibly, with regular repayments before or on the due date, it can support better credit behaviour and help build a stronger credit profile over time.<\/p>\n\n\n\n<p>The smart way to use Kiwi is the same smart way to build your CIBIL score: spend only what you can repay, keep your usage planned, and pay your dues on time.<\/p>\n\n\n\n<p>Explore Kiwi to make everyday merchant UPI payments with credit, eligible rewards, and better app-based control.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>What is a good CIBIL score?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">A CIBIL score usually ranges from 300 to 900. A higher score can improve your chances of getting credit, but lenders also check your income, existing loans, repayment capacity, and internal approval rules.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>Can I improve my CIBIL score immediately?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">No. You can take quick corrective actions, such as clearing overdue dues, reducing card outstanding, and raising disputes for report errors. The score improves only when updated information reaches the credit bureau and your repayment behaviour becomes stronger over time.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>Does checking my own CIBIL score reduce it?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">No. Checking your own credit score is treated as a soft enquiry. It does not reduce your score. A hard enquiry usually happens when a lender checks your report after a loan or credit card application.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>How much credit card limit should I use?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">Try to keep credit utilisation low, preferably around 30% or below. If you need to spend more in a month, consider paying part of the outstanding before the statement is generated, provided you can repay comfortably.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>Can credit on UPI help me build credit history?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">A RuPay credit card on UPI or a Credit Line on UPI can support credit history only when it is used responsibly and repayments are made on time. It should be used for planned merchant payments, not for overspending or delayed repayment.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>What should I do if my CIBIL report has a wrong entry?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">Raise a dispute with CIBIL and also contact the lender linked to the incorrect entry. Keep proof such as payment receipts, account closure letters, and lender confirmations until the correction is complete.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>Disclaimer:<\/strong> The information provided in this article is intended for general educational purposes only and should not be considered financial, legal, or credit advice. CIBIL score improvement timelines and results may vary depending on an individual\u2019s repayment history, credit utilisation, lender reporting cycles, and overall credit profile. A higher CIBIL score does not guarantee approval for a loan, credit card, or credit line, as lenders also assess income, employment, existing obligations, repayment capacity, and internal eligibility criteria. Credit products, cashback, rewards, fees, interest rates, and eligibility terms may change, so users should review the latest applicable terms and conditions before applying or making transactions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CIBIL score improvement starts with better repayment habits, lower credit usage, and a clear view of your credit report. For Indian credit card users, loan borrowers, and first-time credit users, small disciplined changes can make the credit profile stronger over time. A CIBIL score is a three-digit credit score issued by TransUnion CIBIL. It usually [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[35,11,12,8,36],"class_list":["post-824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card-guides-and-tips","tag-cibil-score","tag-credit-card","tag-credit-card-tips","tag-credit-cards","tag-transunion-cibil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Smart Ways to Improve Your CIBIL Score<\/title>\n<meta name=\"description\" content=\"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smart Ways to Improve Your CIBIL Score\" \/>\n<meta property=\"og:description\" content=\"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Gokiwi Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-06T13:41:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T03:09:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kiwi Author\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kiwi Author\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/\",\"url\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/\",\"name\":\"Smart Ways to Improve Your CIBIL Score\",\"isPartOf\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png\",\"datePublished\":\"2026-08-06T13:41:44+00:00\",\"dateModified\":\"2026-08-07T03:09:33+00:00\",\"author\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/3b181bd4fd6bc12ba4a9b872776e716d\"},\"description\":\"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.\",\"breadcrumb\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage\",\"url\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png\",\"contentUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png\",\"width\":1280,\"height\":720,\"caption\":\"CIBIL score\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/gokiwi.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Smart Ways to Improve Your CIBIL Score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\",\"url\":\"https:\/\/gokiwi.in\/blog\/\",\"name\":\"Gokiwi Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gokiwi.in\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/3b181bd4fd6bc12ba4a9b872776e716d\",\"name\":\"Kiwi Author\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/64dc2b54cdeb30e71eb78f21901bec1c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/64dc2b54cdeb30e71eb78f21901bec1c?s=96&d=mm&r=g\",\"caption\":\"Kiwi Author\"},\"description\":\"Author is a passionate fintech writer with a knack for simplifying complex topics. With a deep interest in digital payments, RuPay Credit Cards, Virtual Credit Cards, and UPI, Author creates insightful and easy-to-understand blogs that empower readers to make informed financial decisions. Through engaging content, they aim to bridge the gap between technology and personal finance, making the world of digital payments accessible to everyone.\",\"sameAs\":[\"https:\/\/gokiwi.in\"],\"url\":\"https:\/\/gokiwi.in\/blog\/author\/kiwi_admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Smart Ways to Improve Your CIBIL Score","description":"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"Smart Ways to Improve Your CIBIL Score","og_description":"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.","og_url":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/","og_site_name":"Gokiwi Blog","article_published_time":"2026-08-06T13:41:44+00:00","article_modified_time":"2026-08-07T03:09:33+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png","type":"image\/png"}],"author":"Kiwi Author","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kiwi Author","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/","url":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/","name":"Smart Ways to Improve Your CIBIL Score","isPartOf":{"@id":"https:\/\/gokiwi.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage"},"image":{"@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png","datePublished":"2026-08-06T13:41:44+00:00","dateModified":"2026-08-07T03:09:33+00:00","author":{"@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/3b181bd4fd6bc12ba4a9b872776e716d"},"description":"Learn smart ways to improve your CIBIL score, reduce credit utilisation, avoid common mistakes, and build better credit habits. Start smarter with Kiwi.","breadcrumb":{"@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#primaryimage","url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png","contentUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/08\/cibil_score.png","width":1280,"height":720,"caption":"CIBIL score"},{"@type":"BreadcrumbList","@id":"https:\/\/gokiwi.in\/blog\/how-to-improve-credit-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gokiwi.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Smart Ways to Improve Your CIBIL Score"}]},{"@type":"WebSite","@id":"https:\/\/gokiwi.in\/blog\/#website","url":"https:\/\/gokiwi.in\/blog\/","name":"Gokiwi Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gokiwi.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/3b181bd4fd6bc12ba4a9b872776e716d","name":"Kiwi Author","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/64dc2b54cdeb30e71eb78f21901bec1c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/64dc2b54cdeb30e71eb78f21901bec1c?s=96&d=mm&r=g","caption":"Kiwi Author"},"description":"Author is a passionate fintech writer with a knack for simplifying complex topics. With a deep interest in digital payments, RuPay Credit Cards, Virtual Credit Cards, and UPI, Author creates insightful and easy-to-understand blogs that empower readers to make informed financial decisions. Through engaging content, they aim to bridge the gap between technology and personal finance, making the world of digital payments accessible to everyone.","sameAs":["https:\/\/gokiwi.in"],"url":"https:\/\/gokiwi.in\/blog\/author\/kiwi_admin\/"}]}},"_links":{"self":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/824"}],"collection":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/comments?post=824"}],"version-history":[{"count":2,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/824\/revisions"}],"predecessor-version":[{"id":827,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/824\/revisions\/827"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media\/825"}],"wp:attachment":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media?parent=824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/categories?post=824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/tags?post=824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}