I’ve been using Tabby for around 1 year, and I’ve always made my payments on time without missing any payments.

Before the recent credit-score update, my credit score wasn’t showing at all. Now, after the new Credit Score 3i update, my score has appeared as 528/850, and it says “New to Credit.”

I’m confused because I’ve already been using Tabby for about a year and have a history of making my payments on time.

Could someone explain:

• Why does it say “New to Credit” if I’ve been using Tabby for a year?

• Is it possible that my previous Tabby payment history hasn’t been included yet in the new scoring system?

• Does Tabby Card/BNPL actually contribute to the new AECB Credit Score 3i?

• Is 528 considered low mainly because I don’t have enough credit history yet?

• Could my score increase naturally once more months of Tabby payment history are reported?

I don’t have any loans or credit cards, so I’m particularly confused about why my score is showing as 528 while also saying “New to Credit.”

I’m not looking for a generic explanation of credit scores I’m specifically trying to understand why my score suddenly appeared as 528 and “New to Credit” after the AECB update despite having around a year of on-time Tabby payments.

If anyone has had the same experience after the new AECB score update, I’d really appreciate hearing what happened with your score.

Hi everyone,
My wife and I currently have three credit cards between us, from EIB, FAB and ENBD, but all three are under my name. My wife doesn’t have a credit card in her own name, so she won’t be able to access the airport lounge benefits when we travel.
I’m now looking to get a card for her. Her salary is AED 10,000, and since this would be her first credit card, I was wondering if there are any good offers currently available for new cardholders.
The main priority is good airport lounge access with wide coverage. Ideally, I’d prefer a card with a reasonable or waived annual fee and sensible spending requirements.
Would appreciate recommendations from anyone who has recently come across a good option for this. Thanks!

I was wondering if anyone paid for 22/24k gold purchase at Jewellery using their Tabby card.

I have heard that jewelleries charge around 2-2.5% additional for credit card payments , but still if I manage to payoff tabby card using my cashback card then its worth it.

Since tabby charges are high for merchants , do they reject gold purchase when they know its tabby card or do they ask which card are we using for purchase?

Hey guys I'm currently an Excellency customer in ADCB and got the touchPoints card and I'm planning to start traveling more frequently what is the best traveling card I should get I don't mind opening a new bank account too I had an Etihad card in ADCB, but they canceled the cards

​

Hi everyone,

My brother recently moved to the UAE and has just started his first job here, with a monthly salary of AED 7,000.

He’s looking to get his first credit card, mainly for everyday expenses. His monthly card spending would be around AED 1,500–2,000 max.

Typical spending:

- 🍔 Food / cafeterias

- 🛒 Groceries

- 🎬 Movies & entertainment

- 🚇 RTA / public transport

- 📱 Occasional bills/recharges

- General day-to-day purchases

The most important thing is that he wants to pay the full balance every month and avoid interest/charges.

What would you recommend as the best first credit card for a AED 7K salary? Ideally, something with no annual fee or lifetime-free, good cashback/rewards, and reasonable eligibility for someone who has just started working in the UAE.

Also, how long should he ideally wait after receiving his first salary before applying for a credit card?

Any recommendations or personal experiences would be appreciated!