{"id":1535,"date":"2026-08-27T17:58:00","date_gmt":"2026-08-27T17:58:00","guid":{"rendered":"https:\/\/oolka.in\/blog\/?p=1535"},"modified":"2026-09-03T06:11:26","modified_gmt":"2026-09-03T06:11:26","slug":"what-is-revolving-credit","status":"publish","type":"post","link":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/","title":{"rendered":"What is Revolving Credit and How Does it Work?"},"content":{"rendered":"\n<p>Revolving credit is a reusable credit facility that lets you borrow within an approved limit, repay the amount used, and borrow again without submitting a fresh loan application.<\/p>\n\n\n\n<p>Atul, 27, from Kanpur, regularly used his credit card for shopping, food delivery, and travel bookings. He paid only the minimum amount due every month because he believed it was enough to maintain a healthy credit history. A few months later, his personal loan application was delayed after the lender noticed high outstanding balances despite regular repayments.<\/p>\n\n\n\n<p>Unlike a personal loan, revolving credit does not end after every repayment. The available limit keeps changing based on how much you borrow and repay. Used correctly, it offers flexibility. Used carelessly, it increases interest costs and affects future borrowing decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is Revolving Credit?<\/strong><\/h2>\n\n\n\n<p>A revolving credit facility gives you access to a fixed borrowing limit that remains available throughout the life of the account. Every repayment restores the available balance, allowing you to borrow again without applying for another loan.<\/p>\n\n\n\n<p>Common revolving credit products in India include:<\/p>\n\n\n\n<ul>\n<li>Credit cards issued by banks.<\/li>\n\n\n\n<li>Overdraft facilities linked to savings or current accounts.<\/li>\n\n\n\n<li>Lines of credit offered by NBFCs.<\/li>\n<\/ul>\n\n\n\n<p>Here&#8217;s how it works:<\/p>\n\n\n\n<ul>\n<li>The lender sanctions a credit limit.<\/li>\n\n\n\n<li>You use only the amount required.<\/li>\n\n\n\n<li>Interest applies only to the outstanding balance.<\/li>\n\n\n\n<li>Repayments restore the available limit.<\/li>\n\n\n\n<li>The facility continues until it is closed by you or the lender.<\/li>\n<\/ul>\n\n\n\n<p>Unlike fixed-term loans, revolving credit gives continuous access to funds instead of a one-time loan amount. That flexibility also requires disciplined repayment because outstanding balances continue attracting interest until they are cleared.<\/p>\n\n\n\n<p><a href=\"https:\/\/oolka.in\/check-score\"><strong>Know Your Credit Score<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Does A Revolving Account Mean?<\/strong><\/h2>\n\n\n\n<p>A revolving account<strong> <\/strong>refers to an account where the available borrowing limit changes continuously based on repayments and fresh spending instead of reducing permanently after each instalment.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul>\n<li>Credit limit approved: \u20b92,00,000<\/li>\n\n\n\n<li>Amount used: \u20b960,000<\/li>\n\n\n\n<li>Available balance: \u20b91,40,000<\/li>\n<\/ul>\n\n\n\n<p>If you repay \u20b920,000:<\/p>\n\n\n\n<ul>\n<li>Outstanding balance becomes \u20b940,000.<\/li>\n\n\n\n<li>Available limit increases to \u20b91,60,000.<\/li>\n<\/ul>\n\n\n\n<p>This cycle continues throughout the life of the account.<\/p>\n\n\n\n<p>Unlike instalment loans, there is no need to submit a fresh application every time funds are required within the approved limit.<\/p>\n\n\n\n<p>Examples include:<\/p>\n\n\n\n<ul>\n<li>Bank-issued credit cards.<\/li>\n\n\n\n<li>Salary overdraft facilities.<\/li>\n\n\n\n<li>Business overdraft accounts.<\/li>\n\n\n\n<li>NBFC revolving credit facilities.<\/li>\n<\/ul>\n\n\n\n<p>Under the Reserve Bank of India&#8217;s <a href=\"https:\/\/www.rbi.org.in\/Scripts\/BS_ViewMasDirections.aspx?id=12764\">credit information reporting<\/a> framework, lenders periodically report repayment behaviour, outstanding balances, and account status to recognised credit information companies. This reporting influences future lending decisions.<\/p>\n\n\n\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/oolka.in\/blog\/how-credit-age-affects-credit-score\/\"><strong>What Is Credit Age and How It Affects Loan Approval<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Does Revolving Credit Work In Practice?<\/strong><\/h3>\n\n\n\n<p>The <strong>revolving credit meaning<\/strong> becomes clear when you compare it with a fixed-term loan. Instead of receiving a one-time loan amount that is repaid through fixed EMIs, revolving credit gives you a sanctioned limit that remains available throughout the life of the account. Every repayment restores the available balance, allowing you to borrow again without submitting another application.<\/p>\n\n\n\n<p>The borrowing cycle works like this:<\/p>\n\n\n\n<ul>\n<li>A lender sanctions a credit limit.<\/li>\n\n\n\n<li>You use only the amount you need.<\/li>\n\n\n\n<li>Interest applies only to the outstanding balance.<\/li>\n\n\n\n<li>Repayments restore the available credit.<\/li>\n\n\n\n<li>You can borrow again within the sanctioned limit.<\/li>\n<\/ul>\n\n\n\n<p>The biggest difference is that the credit facility keeps revolving instead of closing after each repayment.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Revolving Credit<\/strong><\/td><td><strong>Personal Loan<\/strong><\/td><\/tr><tr><td>Credit amount<\/td><td>Reusable sanctioned limit<\/td><td>One-time sanctioned loan<\/td><\/tr><tr><td>Borrowing<\/td><td>Use only the amount required<\/td><td>Entire loan amount is disbursed at once<\/td><\/tr><tr><td>Repayment<\/td><td>Restores the available credit limit<\/td><td>Reduces the outstanding loan balance<\/td><\/tr><tr><td>Interest<\/td><td>Charged only on the amount outstanding<\/td><td>Charged according to the loan agreement and repayment schedule<\/td><\/tr><tr><td>Common products in India<\/td><td>Credit cards, overdraft facilities, NBFC lines of credit<\/td><td>Personal loans, vehicle loans, home loans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This structure gives borrowers flexibility, but carrying high outstanding balances for long periods increases interest costs and reduces the amount of credit available for future use.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Which Products Are Revolving Credit Examples In India?<\/strong><\/h3>\n\n\n\n<p>The easiest way to understand <strong>revolving credit examples<\/strong> is by looking at products already used by millions of Indian borrowers.<\/p>\n\n\n\n<p>These include:<\/p>\n\n\n\n<ul>\n<li>Credit cards from banks such as HDFC Bank, SBI Card, Axis Bank, and ICICI Bank.<\/li>\n\n\n\n<li>Overdraft facilities linked to salary or current accounts.<\/li>\n\n\n\n<li>Business overdrafts.<\/li>\n\n\n\n<li>Revolving credit facilities offered by NBFCs.<\/li>\n<\/ul>\n\n\n\n<p>These products have one thing in common: repayments restore the available borrowing limit.<\/p>\n\n\n\n<p>They are different from:<\/p>\n\n\n\n<ul>\n<li>Personal loans.<\/li>\n\n\n\n<li>Home loans.<\/li>\n\n\n\n<li>Vehicle loans.<\/li>\n\n\n\n<li>Gold loans with fixed repayment schedules.<\/li>\n<\/ul>\n\n\n\n<p>Borrowers sometimes assume every loan works this way. It doesn&#8217;t.<\/p>\n\n\n\n<p>Revolving credit gives flexibility, but that flexibility also increases the risk of carrying debt for long periods if only the minimum amount due is paid every month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why Do Banks And NBFCs Offer Revolving Credit?<\/strong><\/h3>\n\n\n\n<p>Revolving credit gives borrowers continuous access to funds without requiring a fresh loan application every time money is needed. For banks and NBFCs, it supports day-to-day borrowing needs while allowing them to review the account based on repayment behaviour and usage.<\/p>\n\n\n\n<p>Unlike a fixed-term loan that is disbursed once, revolving credit keeps the facility active as long as the lender does not suspend or close it. This makes it suitable for expenses that change from month to month instead of one-time purchases.<\/p>\n\n\n\n<p>Lenders evaluate factors such as:<\/p>\n\n\n\n<ul>\n<li>Repayment history.<\/li>\n\n\n\n<li>Outstanding balance.<\/li>\n\n\n\n<li>Available credit limit.<\/li>\n\n\n\n<li>Payment consistency.<\/li>\n\n\n\n<li>Overall account conduct.<\/li>\n<\/ul>\n\n\n\n<p>For borrowers, the biggest advantage is flexibility. For lenders, it provides continuous customer engagement without processing a new loan each time funds are required.<\/p>\n\n\n\n<p>Whether the facility is a credit card, an overdraft account, or an NBFC line of credit, responsible usage plays a bigger role than simply having a higher sanctioned limit.<\/p>\n\n\n\n<p>See what&#8217;s affecting your credit report for free on Oolka. If you choose to act, Oolka takes over the dispute process, communicates with the lender, and follows up until a response is received.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Does Revolving Credit Affect Your Credit Score?<\/strong><\/h3>\n\n\n\n<p>Using revolving credit does not reduce your credit score by itself. The impact depends on how the account is managed over time.<\/p>\n\n\n\n<p>The biggest factors include:<\/p>\n\n\n\n<ul>\n<li>Paying dues before the due date.<\/li>\n\n\n\n<li>Keeping credit utilisation under control.<\/li>\n\n\n\n<li>Avoiding continuous minimum payments.<\/li>\n\n\n\n<li>Limiting multiple credit applications within a short period.<\/li>\n\n\n\n<li>Maintaining older revolving accounts in good standing.<\/li>\n<\/ul>\n\n\n\n<p>For example, using \u20b930,000 from a \u20b91,00,000 credit card limit and clearing the bill in full every month sends a very different signal than using \u20b995,000 and carrying the balance for several billing cycles.<\/p>\n\n\n\n<p>Understanding <a href=\"https:\/\/oolka.in\/check-score\"><strong>credit score meaning<\/strong><\/a> becomes important here because the score reflects repayment behaviour rather than the simple fact that you own a revolving credit facility.<\/p>\n\n\n\n<p>Credit score ranges are commonly interpreted as:<\/p>\n\n\n\n<ul>\n<li>300\u2013549: High risk.<\/li>\n\n\n\n<li>550\u2013649: Fair.<\/li>\n\n\n\n<li>650\u2013749: Good.<\/li>\n\n\n\n<li>750+: Strong.<\/li>\n<\/ul>\n\n\n\n<p>Most lenders look for 650+ for credit cards, 700+ for personal loans, and 750+ for home loans, along with income and repayment history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How One Credit Card Balance Delayed Ramandeep&#8217;s \u20b914 Lakh Loan<\/strong><\/h3>\n\n\n\n<p>Ramandeep, 32, from Amritsar, regularly paid the minimum amount due on his credit card and assumed his repayment record was strong because he had never missed a payment. When he later applied for a \u20b914 lakh home loan, the lender questioned the high revolving balance that had remained outstanding for several months.<\/p>\n\n\n\n<p>Instead of leaving Ramandeep to deal with multiple institutions himself, Oolka handled the process.<\/p>\n\n\n\n<p>Oolka:<\/p>\n\n\n\n<ul>\n<li>Reviewed the complete credit report and identified the account affecting the lender&#8217;s assessment.<\/li>\n\n\n\n<li>Prepared the dispute request wherever account information required verification.<\/li>\n\n\n\n<li>Drafted the lender clarification email with the supporting repayment documents.<\/li>\n\n\n\n<li>Followed up with the lender until the review process was completed.<\/li>\n\n\n\n<li>Kept Ramandeep updated while handling the entire follow-up process.<\/li>\n<\/ul>\n\n\n\n<p>After understanding how revolving balances influenced lending decisions, Ramandeep changed his repayment strategy by clearing larger portions of the outstanding amount instead of paying only the minimum due. That improved his eligibility for future borrowing far more than increasing his credit limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What Mistakes Make Revolving Credit Expensive?<\/strong><\/h3>\n\n\n\n<p>Revolving credit becomes expensive when borrowers treat the approved limit as additional income instead of borrowed money. Interest starts building once the interest-free period ends, and carrying balances for several months increases the repayment amount significantly.<\/p>\n\n\n\n<p>The most common mistakes include:<\/p>\n\n\n\n<ul>\n<li>Paying only the minimum amount due every month.<\/li>\n\n\n\n<li>Using almost the entire approved credit limit.<\/li>\n\n\n\n<li>Missing repayment dates and paying late fees.<\/li>\n\n\n\n<li>Taking multiple revolving facilities within a short period.<\/li>\n\n\n\n<li>Continuing to spend while carrying a large outstanding balance.<\/li>\n<\/ul>\n\n\n\n<p>Someone with a \u20b92 lakh credit limit who keeps \u20b91.8 lakh outstanding for several billing cycles pays far more in interest than someone who clears the balance in full every month. Using revolving credit responsibly is less about how much credit you have and more about how quickly you repay what you borrow.<\/p>\n\n\n\n<p>Check your report on Oolka for free. If incorrect revolving account information is affecting lending decisions, leave the work to Oolka. From dispute filing to lender communication and ongoing chase-downs, the entire correction process is handled for you.<\/p>\n\n\n\n<p><strong>Fix Credit Report Errors<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Using Revolving Credit The Right Way<\/strong><\/h3>\n\n\n\n<p>Revolving credit offers flexibility that fixed-term loans cannot, but that flexibility comes with responsibility. Paying bills on time, keeping outstanding balances under control, and avoiding continuous minimum payments help reduce interest costs and strengthen future loan eligibility.<\/p>\n\n\n\n<p>If you&#8217;re wondering <strong>How to check credit score<\/strong>, reviewing your credit report regularly is the best place to start. It helps you understand how revolving accounts are being reported and whether any incorrect information needs attention before applying for another loan. Oolka provides a <a href=\"https:\/\/oolka.in\/blog\/calculators\/credit-score-impact-calculator\/\"><strong>Credit score impact calculator<\/strong><\/a> to estimate how different borrowing decisions influence your score over time.<\/p>\n\n\n\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/oolka.in\/blog\/how-loan-settlement-affects-credit-score\/\"><strong>How Loan Settlements Affect Your Credit Score<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n\n<p><strong>1. What is revolving credit?<\/strong><strong><br><\/strong>Revolving credit is a reusable credit facility with a pre-approved borrowing limit. As you repay the outstanding balance, the available limit is restored without submitting a new loan application.<\/p>\n\n\n\n<p><strong>2. How does revolving credit work?<\/strong><strong><br><\/strong>You borrow only the amount you need from the approved limit and repay it according to the lender&#8217;s terms. Every repayment restores part of the available credit for future use.<\/p>\n\n\n\n<p><strong>3. What is the difference between revolving credit and a personal loan?<\/strong><strong><br><\/strong>A personal loan is disbursed once and repaid through fixed EMIs over a defined tenure. Revolving credit lets you borrow, repay, and borrow again within the sanctioned limit.<\/p>\n\n\n\n<p><strong>4. Does revolving credit affect my credit score?<\/strong><strong><br><\/strong>Yes. Payment history, outstanding balances, and credit utilisation all influence how lenders assess your repayment behaviour.<\/p>\n\n\n\n<p><strong>5. What are the advantages of revolving credit?<\/strong><strong><br><\/strong>It provides quick access to funds without repeated loan applications and allows you to borrow only what you need. Interest applies only to the utilised amount instead of the entire approved limit.<\/p>\n\n\n\n<p><strong>6. What are the disadvantages of revolving credit?<\/strong><strong><br><\/strong>Carrying balances for long periods increases interest costs and reduces available credit. Paying only the minimum amount due can keep debt outstanding for much longer than expected.<\/p>\n\n\n\n<p><strong>7. Is a credit card a type of revolving credit?<\/strong><strong><br><\/strong>Yes. A credit card is the most common example of revolving credit available in India because the available limit is restored after repayments.<\/p>\n\n\n\n<p><strong>8. How can I use revolving credit responsibly?<\/strong><strong><br><\/strong>Pay the full outstanding balance whenever possible, avoid using most of your approved limit, and review your credit report regularly to ensure account information is accurate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Revolving credit is a reusable credit facility that lets you borrow within an approved limit, repay the amount used, and borrow again without submitting a fresh loan application. Atul, 27, from Kanpur, regularly used his credit card for shopping, food delivery, and travel bookings. He paid only the minimum amount due every month because he<\/p>\n","protected":false},"author":3,"featured_media":1536,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[32],"tags":[227,19,228,225,226],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Revolving Credit and How Does it Work?<\/title>\n<meta name=\"description\" content=\"Learn what revolving credit is, how it works, its benefits, and how responsible use affects your credit score, borrowing capacity, and financial health.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Revolving Credit and How Does it Work?\" \/>\n<meta property=\"og:description\" content=\"Learn what revolving credit is, how it works, its benefits, and how responsible use affects your credit score, borrowing capacity, and financial health.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Oolka\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-27T17:58:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-03T06:11:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit-.png\" \/>\n\t<meta property=\"og:image:width\" content=\"768\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Shubham\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shubham\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is Revolving Credit and How Does it Work?","description":"Learn what revolving credit is, how it works, its benefits, and how responsible use affects your credit score, borrowing capacity, and financial health.","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:\/\/oolka.in\/blog\/what-is-revolving-credit\/","og_locale":"en_US","og_type":"article","og_title":"What is Revolving Credit and How Does it Work?","og_description":"Learn what revolving credit is, how it works, its benefits, and how responsible use affects your credit score, borrowing capacity, and financial health.","og_url":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/","og_site_name":"Oolka","article_published_time":"2026-08-27T17:58:00+00:00","article_modified_time":"2026-09-03T06:11:26+00:00","og_image":[{"width":768,"height":450,"url":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit-.png","type":"image\/png"}],"author":"Shubham","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Shubham","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/","url":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/","name":"What is Revolving Credit and How Does it Work?","isPartOf":{"@id":"https:\/\/oolka.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/#primaryimage"},"image":{"@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit-.png","datePublished":"2026-08-27T17:58:00+00:00","dateModified":"2026-09-03T06:11:26+00:00","author":{"@id":"https:\/\/oolka.in\/blog\/#\/schema\/person\/173a5c3ad3ba451d056cceb927ca4d00"},"description":"Learn what revolving credit is, how it works, its benefits, and how responsible use affects your credit score, borrowing capacity, and financial health.","breadcrumb":{"@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/oolka.in\/blog\/what-is-revolving-credit\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/#primaryimage","url":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit-.png","contentUrl":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit-.png","width":768,"height":450,"caption":"What is Revolving Credit"},{"@type":"BreadcrumbList","@id":"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/oolka.in\/blog\/"},{"@type":"ListItem","position":2,"name":"What is Revolving Credit and How Does it Work?"}]},{"@type":"WebSite","@id":"https:\/\/oolka.in\/blog\/#website","url":"https:\/\/oolka.in\/blog\/","name":"Oolka","description":"Blog - AI Credit Score, Improve Credit, Pay EMIs","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/oolka.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/oolka.in\/blog\/#\/schema\/person\/173a5c3ad3ba451d056cceb927ca4d00","name":"Shubham","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/oolka.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2024\/12\/1708340486559-96x96.jpeg","contentUrl":"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2024\/12\/1708340486559-96x96.jpeg","caption":"Shubham"},"description":"Shubham is on the founding team at Oolka, India's first AI credit expert. He writes about how the Indian credit system actually works - and where most borrowers lose points without realising.","url":"https:\/\/oolka.in\/blog\/author\/aman\/"}]}},"_links":{"self":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/posts\/1535"}],"collection":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/comments?post=1535"}],"version-history":[{"count":1,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/posts\/1535\/revisions"}],"predecessor-version":[{"id":1537,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/posts\/1535\/revisions\/1537"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/media\/1536"}],"wp:attachment":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/media?parent=1535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/categories?post=1535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/tags?post=1535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}