cibil

Hello! SInce past 2 months my cibil was 802 but today it dropped to 721. Though there is no late payments or hard enquiry in last month, just my credit card utilization rose from 40% to 53%. Increase of 10% only. Could this be an error. If it is, please let me know how could i rectify it? Need...

HDFC made two CIBIL enquiries just for opening a current account 🤔 Hey everyone, I recently opened a current account (sole proprietorship) with HDFC Bank, and later noticed that two CIBIL enquiries showed up one marked as “Other” and the other as “Credit Card.” The weird part is, the only...

When exactly is CIBIL report updated, mine gets updated very randomly (not on 15/30). I am not able to see any pattern in the updation. Also i have CC from 2 different banks and they also update on different dates (again not able to see a consistent pattern here). It is becoming very...

Hi all, I have never ever taken a loan or Credit Card till date. My Current CIBIL is NH - No History I am applying for Credit Card against FD from HDFC Bank I have received few options ( I have an account) Attached Screenshots 1) Biz Grow - Master Card - LTF 2) Moneyback + - Visa - Joining &...

Hi everyone, I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows: 📅 Date of Enquiry: 15/10/2025 🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd) 🎯 Purpose: Credit Card 📱 Message Received: >...

Hello everyone, For quite some time, my CIBIL score had been consistently stable at 795. Despite multiple loans and credit cards, it remained unchanged. I’ve been aiming to cross into the 800+ range, but to my surprise, when I checked today, my score had dropped to 786. This sudden dip is a...

Update: This issue has been sorted. Somehow, I managed to visit the branch and they helped me with the payment. Thanks a lot everyone for your suggestions. Hi All! My HDFC home loan ECS has been returned due to an insufficient balance. In fact, I had sufficient balance in my account, but I...

I recently replaced my SBI credit card. Received a new card with new number. But Today when I checked my CIBIL report the card is marked as closed. I am not able to understand this. Is this normal or some mistake from SBI side?

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by how many points cibil score comes down while applying new credit card. I have applied for 3 cards in Sep 2025 ( 2 co branded cards of HDFC within infinia ony & ICICI EPM) . before that for last 2 years not applied .

Hello, on 4th March2025 I applied the pinnacle credit card from indusind bank the application declined and agent is saying application declined by hunter and again on 18june2025 I applied celesta card and card application declined showing hunter error as attached and my present working...

Hey Fam! I got Tiger CC in June, and Indusind bank screwed my CIBIl by reporting salary as 12Cr. Upon following escalation matrix, my query is stuck with Nodal officer from more than 2 months. After 1 month they closed the ticket stating it's updated but it wasn't I reopened, after 1 month...

what is the eligibility of these cards ? he hasn't filed ITR and his income does vary , any sure shot way to get either of these ?

I have amazon pay later in my CIBIL showing as consumer loan and i also have two credit cards , does amazon pay later showing as Consumer loan is good for credit mix ? does that negatively impact credit score

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all. Here’s my situation: Took a car loan last year, have been paying all EMIs on time without a single miss. Credit card usage always kept below 30% of...

Hello Fellas, Need some guidance for RBL CC issuance delay. Sharing my recent RBL Bank ShopRite credit card experience for community insights: 23 June 2025: Applied for RBL ShopRite card online and completed Video KYC. 23 June 2025: First hard CIBIL enquiry made. 6 July 2025: Escalated to RBL...

Hi TF folks, Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals. I applied for this card recently on behalf of a friend with: CIBIL score: 777 Monthly income: ₹1.6 lakh (salaried) 2+ years credit age, holding credit cards with decent limits Still, it...

I have multiple ICICI cards (Coral, Sapphiro, and Amazon Pay). In CIBIL, two accounts are shown. I receive two statements - one combined statement for Coral and Sapphiro, and another separate statement for Amazon Pay. Coral is my first credit card and it is paid, can I cancel it and keep only...

Hi, I recently got SBI PhonePe card with limit of 1.29L. I want to apply a SBI core credit card. On sbi netbanking and yono app, some cards are preapproved for me. My question is if I apply via pre-approved offer on net banking or yono app, will there be any cibil inquiry as I already crossed 29...