My Cibil score is 642. I do not know why because I do not have any default loans. I have 4 credit cards out of which 3 are recent. All of them are fully utilised as of now. I am a employee of Bank and though my salary is very good I am unable to get any pl for emergency. Also how do I improve my score and with this score if I have to go for a loan how much will I be eligible.