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Do you always pay before bill generates??

Why are you obsessed with 800 +?

@vine yes...

@HumorSimpson A magic number above 800 in cibil gives a different feel.... Last time 2022 mein tha above 800 🤣

now cibil will get updated atleasttwice a month.. prepay model will bcome more complex

Hey prabhu !!!!
Ek din mein 2-2 jhatke 😭😭

I didn't understand. Why is cibil decreased even though you prepay. How is it now complex to prepay?

Even a 10 rs outstanding bill can reduce the cibil by 5-10 points... I forgot to prepay the SBI card's amount due to last minute buying and costed me 10 points in CIBIL and 20 in CRIF 😡

Do you prepay all cc to 0 balance every month b4 bill? If so what's ur utilization without prepay.? Cibil shud go up without prepay also

@vinrey287 No it doesn't. My score had been in the same range since last 2 Years. Back then, I used to pay Bills around the 40 day mark, just before the due date. But later, @SSV confirmed that prepaying helps. And it really does. Now I am in the top bracket. Also confirmed with family member accounts as well.

@shrewdoc , thanks for validation..it would help others if you could write the same comment in the main cibil thread that I wrote.
And another important thing is, it is not just pre paying just before bill generation date, it is bill reproting date..as some banks report as on 30th/ 31 st irrespective of whenever the bill is generated

Sure @SSV
Also, I have all my Bill Generation Dates on 28, so that last part automatically gets resolved.

@shrewdoc , very good in your case .
But everyone else also should know this..

Please mention this point also in your response there , in your words.
I already mentioned this several times at several places. If others also mention this in their words then more people will be aware of this.
Thank you
@Riya , hope you also are aware of this point..

So you all guys pay the amount BEFORE the bill is even generated.
Sounds weird, but I will check the CIBIL thread.