Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
I can see two seperate HDFC entries in CIBIL for 2 HDFC CC.If I have 2 credit cards from hdfc(millennia and tata neu infinity), does hdfc report 2 different cards In cibil or as a single card for both?
I can see two seperate HDFC entries in CIBIL for 2 HDFC CC.
But AFAIK, the limits of the cards are shared, so if they're reporting separately, what limit are they mentioning?It should be 2 entries
Yess, the limits of the cards are shared, but shows separately like Axis cards.But AFAIK, the limits of the cards are shared, so if they're reporting separately, what limit are they mentioning?
Also, could someone post a snippet from cibil report to understand this better?
Yes and all banks do report same except ICICI gemstone cards.If I have 2 credit cards from hdfc(millennia and tata neu infinity), does hdfc report 2 different cards In cibil or as a single card for both?
Yess, I am facing this issue due to which, HDFC and SBI have rejected my CLI request infinity times even after sharing 10L ITR.But doesn't this increase overall unsecured debt exposure?
Also, other banks might reject new card applications stating "over-leveraged" when they access our report..... Can we ask them to report as single card on CIBIL?
Is this true, can experienced members shed some light?Yess, I am facing this issue due to which, HDFC and SBI have rejected my CLI request infinity times even after sharing 10L ITR.
Due to 4 axis cards reporting in CIBIL, it shows 9L, which is completely over-leveraged.
Yeah that problem does arise.But doesn't this increase overall unsecured debt exposure?
Also, other banks might reject new card applications stating "over-leveraged" when they access our report..... Can we ask them to report as single card on CIBIL?
Old account will get closed within 90 days and new one will appear within 30-45 days.For me its 3 Active cards on CIBIL. I had upgraded from Tata neu Plus to Infinity bit still the Plus one shows Active in CIBIL and bank denies to close that in CIBIL
90 days have already passed. New account appeared. Bank says wont close old account 😂Old account will get closed within 90 days and new one will appear within 30-45 days.
*Most likely
*Most likely🤣😂90 days have already passed. New account appeared. Bank says wont close old account 😂
CIBIL dispute also rejected.
90 days have already passed. New account appeared. Bank says wont close old account 😂
CIBIL dispute also rejected.
Yes hdfc does that. Rbi says card once cancelled should be reported within 45days. But as it is upgrade not cancellation, Hdfc found a loopholes. Hdfc regularly does these things which is bad for customers. It is just a ploy to restrict customers from moving to competition.Old account will get closed within 90 days and new one will appear within 30-45 days.
*Most likely 😄
O H o HYes hdfc does that. Rbi says card once cancelled should be reported within 45days. But as it is upgrade not cancellation, Hdfc found a loopholes. Hdfc regularly does these things which is bad for customers. It is just a ploy to restrict customers from moving to competition.
Gems of HDFCYes hdfc does that. Rbi says card once cancelled should be reported within 45days. But as it is upgrade not cancellation, Hdfc found a loopholes. Hdfc regularly does these things which is bad for customers. It is just a ploy to restrict customers from moving to competition.