Borrowers who have put in more than one query on their gold loan can easily lose count of which ones are still being worked upon. A few of the requests may be lying with the lender, while some may be waiting for something from the borrower's end.

For instance, where a borrower had asked a question related to his gold loan, he could log into the app one day and see that the query has been resolved. However, the issue that triggered the asking of the question could persist even if it is labeled as resolved.

A salaried person with little borrowing history may stop at one question before applying for ₹51,000. Does the lender need a credit score at all? The answer changes with the type of loan.

Some borrowers plan a large gold loan a few months ahead. In that time, they may wonder whether their credit score needs to rise first. The answer depends partly on what the lender looks at for an amount this size.

Many people avoid checking their own credit score because they fear the check will bring it down. Others apply to several lenders in one week and are surprised when the score dips. Both worries come from the same thing, which is the credit enquiry.

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