A credit score is a basic parameter to check before giving you a personal loan. That is why borrowers with low CIBIL scores go through an arduous experience to secure one. However, there are stills to get a personal loan if you have credit scores.
A personal loan is the best way to manage your finances when you need funds for an unexpected event in your life. Since it is unsecured and there is no requirement of collateral as security, lenders usually perform various checks, particularly your online credit score check, to determine whether you are eligible for a personal loan or not.
What is the CIBIL score, and why is it important?
The Credit Information Bureau (India) Limited (CIBIL) is a credit information company authorized by the Reserve Bank of India, to calculate the credit score of an individual borrower. Your CIBIL score indicates your creditworthiness. The CIBIL score ranges between 300 to 900, with 900 indicating the highest creditworthiness. It is simple math. The higher score you get, the greater chances you have to get your personal loan application approved.
Your CIBIL score depends on your repayment history, your payment behaviour on your existing debts. If you make on-time payments of your credit card bill and loan EMIs, you will see an increase in your scores. However, delay and default in payments reflect poorly on your credit score. Personal loan applications for CIBIL defaulters are more likely to get rejected on the spot than someone with a healthy credit history.
If your CIBIL score is 750 or above, you are considered an ideal candidate for any type of loan. Any credit score below the range of 550 will lead to rejection or a higher interest rate as you may be considered a high-risk borrower. Besides your CIBIL score, the lenders will also consider your bank balance and job security to determine your payment capacity.
How to get a personal loan with a poorly maintained credit score?
Although it is a challenge, you can still secure a personal loan with a low credit score by taking the underlying measures.
Show a stable income
A low credit score may be a constraint to your loan application, but a hike in your salary or having an additional source of income may make the lender more favourable to your loan application. Furthermore, if you prove to the lender that you have a secure job with a steady income flow, the likelihood of your personal loan application getting approved increases too.
Apply for a low personal loan amount
Borrowers who ask for a high personal loan amount with a poor CIBIL score are considered high-risk candidates. According to a lender, the chances of you defaulting on loan repayment are higher. However, if you consider applying for a low personal loan amount, you will likely get it. It is also easy to repay a low loan amount.
Consider getting a co-applicant
When you have a guarantor or a co-applicant with a good credit score, you can get a personal loan faster. Ensure you have permission from your co-applicant to complete KYC formalities along with the necessary signatures on the relevant forms.
When lenders find that your co-applicant or guarantor has a good credit score on your loan application, they may approve your application and also give a better deal. Ensure that you perform an online credit score check before applying.
Rectify errors in your credit report
Sometimes, due to an error in your credit report, your CIBIL score can get reduced, which has been giving you a hard time getting a personal loan. There may be errors on your credit report, and it happens because someone has not updated it with the latest information.
Regularly perform online credit score checks to get ahead with the issues and if you find errors, report them to the relevant authorities and resolve them quickly. An improved credit score after rectification of errors one your credit profile can get you one step closer to getting a personal loan to manage your finances.
So, if you’re planning to apply for a personal loan, but you have not decided on a lender, you can opt for the Fullerton India personal loan to get the best deal in the online loan market. If you have a higher credit score, you have a higher chance of getting a maximum loan amount with an affordable interest rate. You can also do an online credit score check on Fullerton India’s web portal and get your credit score within just two minutes.
All About Alec Macgillis Fulfillment Amazon Nomadland
Alec Macgillis Fulfillment Amazon Nomadland: Alec MacGillis, author of the book “Fulfillment”, and writing partner with ProPublica on the warehouse story of Amazon fulfillment centers, has responded to some questions from Amazon regarding their working conditions.
“We hope that this will lead to a better understanding of how many different peoples’ working lives are affected by our business,” Amazon said in a statement.
“We want all our employees to be safe and happy, which is why we’ve invested so much in our people and our facilities. And we make decisions about what works for Amazon based on what’s best for the long-term business, which means we don’t just listen to the research by NGOs that sometimes get a lot of attention.”
The following are some of the questions about working conditions at Amazon fulfillment centers that MacGillis sent to publicly available company information.
The answers, which MacGillis did not share in the article, were published on ProPublica’s website.
Other responses to employees submitted by Amazon managers as part of a job application questionnaire are included in the article.
In an interview with NPR, MacGillis said he was concerned about Amazon providing incomplete information, and added that he still hadn’t received an answer about whether any Amazon centers had been evacuated over safety concerns. “I don’t know the truth,” he said. “I still don’t know the truth.”
MacGillis and co-author, Vanessa Schipani, published a story in the Washington Post about their investigation.
MacGillis’ response to my questions about the article:
I’d like to set the record straight on some things.
• We don’t believe that Amazon warehouses are “sweatshops”. I’ve been harassed by some people with no better way to vent their frustration than calling Amazon warehouses sweatshops. And I’m frankly embarrassed by this. If I ever meet up with them, I may say something like, “Hey look, you don’t actually know what these places are like. You don’t know what the work environment is like in these places, you don’t know how hard people work. There’s a lot more to this story than you’re seeing.”
• I did not imply that Amazon was a democracy on the Post staff. That is simply not my view of the place at all. I’ve never met anyone, much less met any editors about whom I’d say, “you guys are going to write a really good story about Amazon. And the fact that you guys don’t seem to be working together is at least partly why it was never published, but it was a really good story.”
• Amazon has not refused to answer any questions. I asked some questions, they responded, I asked more. As far as we know they answered everything we asked. We simply did not like the answers regarding how much labor costs in their facilities and how many people work there and so on and so on.
• The Washington Post’s story about the warehouse jobs piece was … well, let’s say it was “tough” to read. It was also lengthy and extremely detailed about the jobs we wrote about. And despite saying that “Amazon warehouses are not sweatshops,” it does a number of things that would imply otherwise:
• It says that the Amazon jobs are low paying for the money involved (this is not true).
• It includes this long list of anecdotes from Amazon warehouse employees implying that their hours are long (they’re not – we double checked with these people and they all agreed to be quoted).
• It implies that the Amazon facilities are, in fact, unsafe. This is not true. I assure you.
• It is critical of the Post’s editors and reporters for not going to the Amazon facilities for themselves and asking these questions face to face with employees.
NEED TO RAISE QUICK CASH: SELL SILVER BULLION BUT NOT TOO CHEAP.
Every once in a while, we face financial problems, right? For example, a family member calls you and needs to raise quick cash to pay for an unforeseen real estate expense accrued. You introduced the family member to stacking silver bullion. So, your first mental reaction would be, OH NO!
You never sell silver bullion; that is safe haven money for those unforeseen expenses because your real estate is overpriced. Still, your kinder side retorted. You think to yourself, now what? The person is in a pinch and needs money fast. They trust you and bought silver bullion cheap in 2008. So, they will only sell a small bit. So you help and do it with gratitude.”
Selling Your Silver Bullion Is Easy
The best place to start is to check the silver price Australia, followed by finding a trustworthy local bullion dealer. You have different options for selling silver bullion. Every town has a pawnshop, and you can get fast money. Still, you will not get the best price if selling silver coins.
For example, if you have silver coins, a local coin shop is your best bet if it is rare as they deal in numismatic coins. Still, if you have silver bars, it is not your best option, and you may be left unhappy with the sale, as a local coin dealer might not spot the value of the silver bar you are selling.
Nevertheless, there is always selling online if you don’t mind shipping your silver via mail. You can interact with diverse dealers to compare prices without visiting one. However, it can result in a considerable expense, as the weight of your silver might not be manageable.
There is also the chance of your package getting lost in transit. Then, when it arrives at the dealer, you will also need to wait a few days for your appraisal using online merchants. As a result, the process can take longer than selling unless the dealer also has a physical shop.
Yet Take Note Bullion Stackers
Still, before you head to a bullion dealer with silver bullion to sell, don’t forget to check the silver price in Australia. Then, after reviewing the Silver bid price, find out what the bullion dealer is buying back at to see if you are happy with that price.
So, always be mentally prepared to know that you will not accept a buyback price too far below the silver spot. For example, now of the sale, the cost of the silver spot could be around $33 an ounce. Therefore, if the dealer is paying you $31 an ounce, this could be a reasonable price for you to sell at.
You can shop more online and locally for a better buyback price. Still, you would have to spend all day on the internet, calling dealers and even driving around town. If you are happy with the bullion dealers’ buyback, ask about their payment method.
Most dealers pay in cash or bank transfer. One thing is for sure you can get a better price than visiting your local pawn shop.
The Decision to Sell Silver Bullion Depends on the Urgency
When the time comes to sell your silver bullion or other precious metals, it all comes down to the urgency of the sale and if you want cash. You really must shop around if you want to get the highest price for selling silver bullion. So, why not jump into Google now!
How To Sell On Mercari – Moneymaking Tip
There are a variety of online marketplaces that permit users to sell (and purchase) everything from clothes and accessories to tech as well as used books. However, at times, it is difficult to pick the one(s) you’d like to collaborate with.
One of the market places you might be considering is Mercari. If you’re thinking of how you can sell on Mercari then you’ve found the best place.
This article we’ll provide a collection of useful and practical suggestions on how Mercari operates and how it is that you are able to sell on Mercari and what are the Mercari costs for sellers as well as shipping alternatives are and the best way to sell through Mercari as well as other online marketplaces quickly and efficiently.
First, let’s concentrate on the best way to make use of the Mercari application.
What is the process behind Mercari function?
If you’d like to utilize the Mercari application, you’ll need to download it from the App Store, or Google Play, and of course, create an account. The app is simple to use, and once you’ve got everything set up, you’re ready to sell your products.
A thing to keep in your head is that Mercari includes the list of prohibited items. If a seller has a list of the prohibited items, this constitutes a breach of the terms of service and could cause suspension or the end of account.
This list of banned items listed on Mercari includes tobacco, alcohol as well as non-brand, imitation, fake, non-genuine or duplicate foods, items and all kinds of weapon.
It’s also important to be aware that Mercari is a major investor in the security of sellers and buyers.
Are you curious to find out what other sellers have to say about Mercari? Check out our comprehensive Mercari review!
Security first for buyers and sellers on Mercari
The app can be used by buyers and sellers , and has made the process easy for both parties. The transactions are secured by Mercari which means you don’t have to be concerned about losing money.
Mercari guarantees that every seller will be the money. They assure that by combining two key characteristics:
- Shipping protection When a product gets damaged or destroyed in transportation, the seller is protected by up to $200 in Mercari labellings that are prepay.
- Issues with returned goods: If a seller was not able to receive their item after a return that was approved the seller might be qualified for reimbursement.
The brand’s policy forbids gatherings in person. All sellers are required to deliver every item (either by themselves or through an app’s partner).
Additionally, there is an identity verification system to further safeguard the users and a review system that lets each person on the shopping experience review the other company.
What is the nature of Mercari charges for selling?
There is a 10% sales fee for each item sold on Mercari. The fee is according to the price of the item in the event of a successful sale. It is applicable to all forms of payment made by the buyer. Apart from the seller’s fee, there’s the payment processing fee that will be $0.30 plus 2.9 percent of the sales.
Note that there’s an additional $2 charge for direct deposits into your account with a balance less than $10. It’s ideal to wait until your balance is over $10 before making a cash withdrawal! Additionally, you’ll be charged this cost for every direct deposit request that is denied at the request of your institution, and When you choose the Instant Pay method of transfer.
What do you sell for Mercari?
Mercari is committed to sustainability. In its report on reuse, Mercari’s found that Americans are predicted for spending $160.1 billion for secondhand goods in 2021.
Their premise is easy: If you do not require the item, instead of discarding it, put it on their app and ensure it gets its new home while making cash in the process.
Reselling and reselling items can help you to declutter your home and help reduce the amount of garbage our planet is surrounded by.
As previously mentioned, Mercari allows you to sell almost anything you can ship such as electronic devices, clothing household items, household products and more.
Here’s a listing of the top frequently-purchased categories on the app:
- Small electronic gadgets: cameras, phones, headphones and speakers are extremely sought-after.
- Videogames, also known as video gaming systems such as PlayStations, XBoxes as well as Nintendo Switches. Old console and PC games are also extremely popular.
- Clothing for both men’s and women’s clothes are extremely sought-after – designer clothing can be bought very quickly.
- Fitness clothes and accessories From outfits to small weights and equipment.
- Shoes Popular brands and antique items can sell pretty quickly.
- Purses and bags Another time Designer items are the most straightforward to sell.
- Jewelry: bracelets, necklaces, rings, nose rings, toe rings…
- Garden & Outdoor: garden decor, protective equipment, patio furniture, live plants…
- Toys include action figures, accessories, dolls and accessories, collectibles and hobby toys, building toys electronic toys for children Games and puzzles antique toys
- Dinnerware and kitchen items Vintage items are very well-loved.
- Hand-made Housewares woodworking, art, pottery and ceramics, glass candle…
- Items for decoration The seasonal decor is extremely well-known: Christmas, Easter Halloween, Christmas, and other the fall season is a time of many sales.
- Pet products include aquariums and fish, bird and bird supplies dog supplies, cat pet supplies, reptile and cat equipment
- Others:books, magazines, musical instruments…
A step-by-step guide to the best way you can sell on Mercari
One of the most appealing aspects regarding Mercari is that it’s the app for selling that lets users to sell things you don’t want right from your phone.
It is possible to use the app on the internet however selling on the phone is more straightforward, wouldn’t you agree? Discover a step-bystep guide to sell using Mercari here.
1. Create an Mercari account
Go to your Mercari web site, and tap the sign-up button. You’ll have to enter your email and username and then create an account password. To ensure the marketplace safe , sellers must to prove their identity. If you wish to join the app you should be prepared to share yourinformation:
- Birth date
- Social Security Number, also known as Tax Identification Number
- A government-issued ID
Be aware the fact that Mercari has been made available only to Japan, the United States, the United Kingdom and Japan.
2. Find an item you’d like to sell
Look over the things within your home that you not making use of. Take note of your closet, and the one drawer in your home that houses all the items that you do not even think about or even remember having.
It is possible to also flip things: buy something online and later sell at a higher cost.
3. Take pictures of the items
When you are creating your listing, you should take as many pictures of your item as you can and show every angle, however, keep in mind that you are only allowed to add up to 12 images for your listings.
Begin with a wide image, then move closer to show your prospective buyer the specifications of the product. Make sure to utilize the most natural light you can, as well as have a neutral backdrop.
Additionally, you can use Magic Wand feature within the program to make your photos more attractive and make them look more attractive.
Finally, ensure your photo is prominently displayed out to customers browsing the Mercari website.
4. Define your items
The items you’re selling in full. Include a narrative in your description to create it more appealing and fascinating. For instance, if, for example, your listing is for a wedding gown and you want to tell Mercari customers what a wonderful wedding it was.
Include your ideas on ways the objects can be used again or reused. Be creative , but don’t offer false assurances. In the end, this will undermine shoppers’ trust in your listings.
Make sure you measure your clothing. If you can provide exact measurements of the product, buyers will be more confident in buying. Also, you can include photos of yourself in itand provide your own measurements as well.
You can also utilize Crosslist to cover your face by using an emoji with its built-in editor for images and showing off your outfit. accessory.
The more precise your description more accurate, the better chance that your product will sell quicker. Be as thorough and sincere as you possibly can. If the item you purchased is damaged, let it know promptly. Also, you can add some personal tales or stories, or even provide reasons for why you liked the product.
Add a note to your description of bundles that If a customer purchases more than one thing from you, it is possible to combine them into one package and avoid the expense of shipping.
5. Find a fair cost
Before you click “List” you need to choose the amount you’d like to sell the item at. Check out other listings to determine what a certain product is sold for on the market However, be cautious that you don’t sell your product too cheaply.
The price range that is that is available on Mercari is between $1-$2,000. However, if you’re selling designer goods and you are granted by Mercari to list them at anything up to $500,000. Note that you’ll need to submit an additional identity verification.
Mercari offers an Smart Pricing option, where all you need to do is decide on the price of your listing and the floor price. Smart Pricing will adjust the price according to the market’s needs, but will never lower the floor you have set. This is an excellent alternative if you own lots of things and don’t have time to think about the price of each one of them.
6. Check it out on Mercari
Once you’ve completed these steps, you’re able to submit your listing to Mercari using the app or the website. Your listings can be accessed anytime by accessing your profile and then going to Selling and then Listings. Additionally, you can modify it or restart it, modify or add images, or change your shipping methods.
7. Be sure to check your messages
When the product is advertised Be sure to be sure to check your emails regularly Some potential buyers might have questions or want to know more about the item before purchasing. A good customer service can lead to faster sales.
Furthermore, Mercari will give you an award of “Fast responder” in the event that you communicate with your customers in less than 24 hours after receiving an email. This helps your company be noticed as a vendor.
There are some shoppers who might want at bargaining, and you must be ready to bargain. Be sure to determine what your best price will be for the item you are purchasing that you want to purchase, and never budge from this, but give yourself some room for bargaining by setting the price higher.
8. Select the shipping option you prefer
When an order has been placed be sure to deliver the product as quickly as you can. If you include a personal thank-you note and making sure the packaging is tidy, neat and highly secure Also, you can ensure an outstanding review.
Naturally, you have many shipping options available and you will need to decide if you want to pay for the shipping yourself or purchase a prepaid shipping label, or let Mercari or your nearby UPS store handle the entire process.
Remember to consider the weight of your shipping and packing! For more information, read the Mercari packing tips.
9. Rate your customer
Mercari asks customers to rate sellers within three days from the confirmation of delivery date. Then, sellers are able to rate buyers. If you, as seller don’t do this, Mercari will automatically rate the transaction as five stars.
If you’ve experienced some issues with the buyer , make sure you are honest about your experience. will help other sellers decide if they’d like to work with the person.
How do I sell online through Mercari or other platforms using Crosslist
One of the most sought-after tips for those involved in reselling is to start with a cross-listing program which can assist you in advertising your products on various marketplaces, reducing the time and effort you’d otherwise have to make different listings.
Here’s the way it works Crosslist:
- Sign up for an account Crosslist Account :Crosslist is an app that’s at every device! Sign in and begin.
- Make new listings Start by choosing the marketplaces where you would like to sell your product. You could also make use of your smartphone to take photos of your product directly.
- Cross list or import current listings Crosslist lets you import listings that are already in different marketplaces. In this way, you can speedily crosspost your stock on multiple marketplaces. You can also directly cross-list between marketplaces!
- Marketplaces on which you can list your product:Click the Post button to display your product in multiple marketplaces simultaneously!
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