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Hello, Need your help to understand the impact of difference between total reported income vs overall Credit limit. Say my annual income reported with CIBIL is 30 lakh & the total credit limit on all my cards is 35 lakh. Logically, banks should not be comfortable to enhance my limit any...

Hi All, My CIBIL just dropped from 774 to 764. Changes I can see is that I added an Amex card, which has been just reported to CIBIL today. I had simulated the score before applying for new cards & as per it, my score shouldn’t have dropped. Upgraded my ICICI Credit card, closed the old one...

Hello, I can see 2 enquiries in my report by ICICI bank which doesn’t make sense. I tried to apply for a savings account online today & there was some technical issue with the website, hence I called their helpline & somehow it got transferred to their loan department. I told the executive very...

Hi All, I have been making on time payment for last 7 years but missed one payment in Nov 2021 for Flipkart Paylater (IDFC loan). Due to this my on time payment record is 99%. I wanted to know how long will it impact my credit score? Assuming I keep making on time payments, when will the record...

Hi, my oldest credit card is about 6 years age & I have applied for 3 cards in 2022. In total I hold 5 credit cards. My goal is to improve CIBIL crore which is around 750 currently. If I want to close a recently acquired credit card (5 months old), would it improve my CIBIL score? The card is...