What is an Excellent Credit Score in UAE

Excellent AECB Credit Score: At a Glimpse

What Does an Excellent Credit Score Mean?

An excellent credit score falls between 750 and 900. If your score is within this range, it means you are a responsible spender and trustworthy borrower. Your credit repayment history is exceptional, which makes you eligible for loans and premium credit cards at low rates. 

With an excellent AECB credit score, you get the following benefits:

• Faster approval chances
• Better interest rates
• Higher credit limits on both loans and cards

As someone with an excellent credit score, you showcase disciplined financial habits like:

• You consistently pay your instalments, credit card dues, and utility bills on time
• There is no record of bounced cheques
• You responsibly manage a variety of credit accounts without a hassle
• You keep your credit utilisation ratio below 30% of the total available credit limits
• You did not apply for multiple credit applications at once, which means you don’t have too many hard enquiries that temporarily lower the score

What Can an Excellent AECB Score Get You?

An excellent credit score helps you access premium banking products with minimal risk and maximum benefits. You are generally eligible for premium credit cards, personal or mortgage loans at lower interest rates, and a higher chance of quick approval. 

Specific products include:

Note that an excellent credit score does not guarantee approval. There are other factors that banks consider during approval. Read further to know more about them!

Why are You Rejected Despite an Excellent Credit Score in UAE?

Your credit score is only one part of the underwriting decision. Your application can still be rejected if your income is lower than the bank’s minimum threshold, your employment profile is high-risk, or if there are some administrative issues in your application form. 

• Insufficient Income and Employer Discrepancies: Despite an excellent credit score, if your salary doesn’t meet the minimum income threshold set by the bank, your application can get rejected. Another factor that leads to rejection is working in an unapproved or blacklisted company. 
• No Previous Credit History: Sometimes, a credit score can increase because of a lack of use of credit products. If you have never had an instalment-based loan or credit card, banks will not have sufficient data to review your long-term repayment behaviour. 
• Administrative Errors: Minor issues like mismatched documents or different addresses in the application and ID can lead to application rejection. 
• Internal Bank Policies: If you defaulted earlier, settled a debt with a specific bank, or had a card written off that was unlisted on your credit report, your application is likely to get rejected. 

Healthy Financial Habits for Guaranteed Approval

Even if you hold an excellent AECB credit score, UAE banks check your recent applications and DBR. To ensure quick approval, keep your debt burden ratio below 50%. Also, make sure that you have never bounced a cheque, and that you space out your credit applications at least 6 months apart. 

Some healthy financial habits you should practice include:

1. Calculate and Manage Your DBR: For instant approvals, lower your DBR by settling unused credit cards or closing overdraft facilities. 
2. Space Out Your Applications: Avoid applying for multiple loans or credit cards in a short span. Every hard inquiry temporarily lowers your credit score. Furthermore, banks can see it as credit hunting and reject your application automatically. 
3. Avoid Bounced Cheques: Ensure you have sufficient funds in your account. Also, track your cheques to avoid a bounced cheque. 
4. Monitor Your Credit  Report Regularly: Do a timely check on your credit file to ensure all your closed accounts are updated, and there are no errors that can interrupt your application.
5. Control Your Credit Utilisation: Don’t use over 30% of your available credit limit. Maxing out on cards shows you as an unreliable person, even if you pay your balance in full every month.

How to Reach/Maintain an Excellent Credit Score in UAE?

To build and protect your financial standing or to reach or maintain an excellent credit score, you can do the following:

• Make Timely Payments: Always pay credit card bills and loans before the due date to avoid any penalties. 
• Manage Your Credit Utilisation: Do not max out on your credit cards. Keep the credit limit under 30% of your total available limit. 
• Diversify Your Credit Mix:  Keep a healthy mix of revolving credit and instalment credit to show you can manage different types of debts responsibly. 
• Keep Old Accounts Open: The length of your credit history matters. Ensure your oldest credit cards are open to increase the age of your account. This positively impacts your score. 
• Track the Errors: Check your AECB credit report regularly. If you find any discrepancies, you can dispute inaccurate records through the bureau. 

Read More: How to Improve/Increase Credit Score in UAE

Where to Check Your Credit Score in the UAE?

You can check your credit score for free on Paisabazaar.ae. The process is simple and does not lead to a hard inquiry. You can regularly monitor your score and find products that align with your score and bank’s eligibility criteria. 

Check your AECB credit score for free now!

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