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  “How to Increase CIBIL Score Fast " Factor Weightage Payment history 35% Credit utilization 30% Credit history length 15% Credit mix (secured + unsecured) 10% Credit inquiries 10% To increase score fast, we focus on the highest-impact factors. 1. Pay All EMIs & Credit Card Dues Before Due Date Late payments are the No.1 reason scores drop.  Best trick to increase score fast: Set auto-pay for EMIs & credit cards Pay credit card bill 5 days before due date Even paying minimum due on time protects score from damage  Never delay payments — even 1 delay stays in report for 2 years. Improvement Timeline: 30–60 days 2. Reduce Credit Card Utilization Below 30% High usage = score drop even if you pay on time. Example: If your credit limit = ₹1,00,000 Never use more than ₹30,000 per month ✔ Maintain < 10% if possible (fastest score boost) Improvement Timeline: 45–60 days 3. Clear Small Outstanding Du...
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“How to Use UPI Without Getting Scammed”

 



Unified Payments Interface (UPI) has revolutionized digital transactions in India. It’s fast, free, and easy. But with convenience comes risk—fraudsters constantly invent new ways to scam unsuspecting users. Here’s a detailed guide to using UPI safely and avoiding scams:

1. Understand How UPI Work

Before anything, know this:

  • UPI allows instant money transfers between bank accounts via apps like PhonePe, Google Pay, Paytm, BHIM, etc.
  • You just need a mobile number, UPI ID (e.g., yourname@upi), or QR code to send/receive money.
  • Every transaction requires a UPI PIN—a secure 4- or 6-digit code known only to you.

2. Common UPI Scams to Watch Out For

A. 

Fake Payment Requests

  • Scam: Scammer pretends to be a buyer/seller and sends a “payment request” asking you to enter your UPI PIN.
  • Truth: Entering your PIN always sends money from your account—not receives it.

B. 

Phishing Links

  • Scam: You get a text/WhatsApp/email with a fake link to claim rewards, refunds, or cashback.
  • Result: Link takes you to a fake UPI app or steals your data.

C. 

Screen Sharing Scams

  • Scam: Fraudsters pose as customer support and ask you to install apps like AnyDesk or TeamViewer.
  • Danger: They gain remote access to your device and can view OTPs, UPI PIN entries.

D. 

QR Code Scam

  • Scam: “Scan this QR to receive money” — but QR codes are always for sending money.
  • Fact: You never scan a QR to receive funds.

E. 

Fake UPI Apps

  • Scam: Fraudsters create fake apps that look like real ones.
  • Consequence: You may unknowingly give away sensitive info.

✅ 

3. Tips to Use UPI Safely

🔒 A. 

Never Share Your UPI PIN

  • It’s like your ATM PIN—don’t tell anyone.
  • Banks or apps will never ask for it.

📵 B. 

Don’t Click on Suspicious Links

  • Ignore SMS/WhatsApp/email links that promise lottery wins, refunds, cashback, etc.

👁‍🗨 C. 

Verify Before You Pay

  • Double-check the name and UPI ID before transferring.
  • Avoid transferring to unknown or suspicious IDs.

📲 D. 

Use Trusted Apps Only

  • Download UPI apps only from the official App Store (Google Play or Apple App Store).
  • Avoid APKs or third-party sources.

🔄 E. 

Keep Apps and OS Updated

  • Security patches fix vulnerabilities. Stay current.

🔍 F. 

Check for “Verified” Badge

  • On most apps, merchants and official users have a verified tick.


4. What to Do If You Suspect Fraud

  1. Immediately contact your bank or UPI app support.
  2. Report to the NPCI (National Payments Corporation of India) via their website: https://www.npci.org.in
  3. File a complaint on the National Cyber Crime Portal:
    https://cybercrime.gov.in
  4. Call Cyber Crime Helpline: 1930

5. Bonus: Smart Habits to Stay Safe

  • Enable transaction alerts via SMS and email.
  • Use app locks and biometric authentication for added safety.
  • Avoid using public Wi-Fi for UPI transactions.
  • Set low daily transaction limits in your UPI app settings if available.


Final Thought

UPI is a powerful and secure system—but only if used responsibly. Remember, scams don’t happen because the system is flawed. They happen when users are tricked into giving access. Stay informed, stay alert—and your money stays safe.


Source of image: Google 

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