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cibil

  1. noobdipesh

    Joining Fee Charged and Credit Card Reported to CIBIL Before Activation: Violation of RBI Guidelines?

    I recently encountered a concerning issue with BoBCard, which seems to be violating RBI guidelines on credit card activation and reporting. After applying for the Eterna Credit card, I got an approval, and the card was reflected in the banking app instantly. However, here’s where things went...
  2. althafvly

    CRIF is not up-to-date by federal

    Hi, I recently checked by crif credit report and found that federal reported only july-september 2023 payment details. Almost a year old payments missing. CRIF score is 721. Compared to experian, cibil and equifax which is way lower. Cibil 775, experian 802 and equifax 804 Should i spend my...
  3. C

    CIBIL Score dropped 7 points after SBI reported latest statement

    So I followed the advice of some senior posters here, about pre-paying all CC bills before they are generated, usually my CUR is 7-9% (below 10%) but this month I have already paid both my SBI cc bills (generation date is 21st of month, reporting date is 13th of month) as well as my ICICI (both...
  4. Hey

    FIRST CREDIT CARD

    Hi, guys myself himanth (19), i am self employed and earning decent amount, and with my friends suggestion i made an FD and got idfc wow credit card and from that my CIBIL SCORE is generated and now its 748 ... i have 6.5 lakhs ITR filed this year and i have following banking relationships 1. au...
  5. N

    Is there any effect for to much cibil enquiry?

    I was trying to apply for new credit card of various bank. So I had many cibil enquiry in last 6 months around 25 times. Is this enquiry affect my cibil score? Now If I stop applying credit card, is there any problem with previous enquiry? All enquiry is genuine. Can I remove previous genuine...
  6. Chhota Bheem

    IDFC Card Closure Updated in CIBIL After 11 Months

    My IDFC First Credit Card was closed in Jan 2023 but updated in CIBIL after Jan 2024. So, I checked my credit report on CIBIL website. I observed that IDFC First Bank has marked this account as closed in Jan 2024 and sent me a communication through email that the card closure request has been...
  7. tachniki

    Google Pay- Cibil - predict your score

    There is option to check Cibil score on Google Pay. (Obviously everyone knows that). After checking score, there is also a section which predicts your score based on certain activity like getting new card or loan (different kind of loan with amount). Looks pretty cool. Has anyone tried it? .
  8. V

    CIBIl Hit On HDFC

    Any one please tell me I saw a banner in my email on a transaction mail of pre eligible offer. On second step option of OTP, Is a hard enquiry hit in my cibil report after entering OTP ?
  9. SAS

    NO APPS/WEBSITES ALLOWING TO PAY CREDIT CARD BILLS (BEFORE CIBIL REPORTING DATE)

    In order to protect my CUR iam trying to make credit card bill payments before bill generation date and no one is allowing me to pay ... i tried canara, sbi, jiofin etc etc they are asking to enter the amount which is below the last generated amount which is 0 I can still be able to make...
  10. I

    Shared Limit Credit Card Effect On Cibil

    I have 2 icici credit card and limit 2.30 lakh with sharing limit and I found that cibil show different limit on both Card if one of card close and cibil utility ratio increase or not ?
  11. S

    CIBIL STUCK AT 779 🤒

    I'm using 2 credit cards (Sbi&HDFC) since around 1 year. I never used above 10% of my combine Credit Limit. I monthly check my CIBIL SCORE on Google Pay Free version however since last 4 months my CIBIL SCORE is stuck at 779 no improvement at all. What should I do to increase it or (to Decrease...
  12. callme_rk8

    Axis Ace credit card still showing in the cibil report

    In June 2022, i applied for Axis Ace card via google pay and i got approved but my pin code was not serviceable so i entered nearest serviceable pin code so it was successful. When the card was delivered i was not present there so later on the card got destroyed for security reasons. Now when i...
  13. thestockbull

    Change 'rented house' to 'own house' in CIBIL report

    My current address is showing up as 'rented house' in CIBIL report, when it is 'own house' (same address). How can we change the 'rented house' option to 'own house' in CIBIL report? Is this done by visiting bank and giving address proof. On aadhar card it is not mentioned whether house is own...
  14. S

    Having cibil score of 731 but still rejected for credit cards in axis,icici

    I am having cibil score of 731 and two ongoing loans which have zero late repayment but get rejected nearly all banks, icici, axis, sbi, Please anyone say the reason, and all this credit card application I have applied online
  15. H

    SB account reported as OD account in CIBIL

    I closed my Union Bank SB General account in July and opened a Union Bank Salary account in August. Today when I was checking my cibil report the closed SB account is appearing under closed loan account as OD account. The entry was not there when the account was active. How to remove this from...
  16. T

    Closed axis magus credit card still not closed in cibil

    I closed my axis magnus credit card 6 months back, but it is still not closed in cibil. I received a confirmation mail from axis regarding this as well regarding my card closure. Now how do I approach axis bank regarding this, where to mail, etc and if there is any email template regarding this...
  17. I

    Why Cibil Score is different Showing

    Today I buy cibil premium subscription and refresh score. My Gpay And Official Cibil showing different score There is different between 30 points
  18. EnthuCC

    Coral Rupay not shown in CIBIL

    I was offered Coral Rupay LTF when it was launched and I accepted the offer as it was my first Rupay credit card and needed it for UPI transactions. This card shares limit with my old HPCL Coral credit card. It's been many months CIBIL doesn't show this card in the list. Is that normal?
  19. Jhon Anand

    Cibil History for 18 years old

    Hi TFians, How've you been ? I post rarely but I've a question regarding cibil history. So my brother turned 18 this month and we've applied for PAN card for him. I want to build a credit history for him so he's able to get good credit cards when he gets his job out of college. (I did have to...
  20. S

    Did HDFC July payment updated for July in CIBIL and experian ?

    Hi in my report HDFC didn't update my payment information in CIBIL Of July and I have another hdfc card rupay which is currently reported in experian but my mastercard moneyback plus card information was there around 19th Aug but now Jul month information just vanished
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