cibil

Is there going to be any impact because of difference between CIBIL and Experian scores?? In my case the experian score is lower and CIBIL is higher. What happens in such cases. Do banks query will all the 3 credit agencies or what happens? If one is having a average score and one is having a...

Dear members, Recently I got SBI BPCL rupay credit card as additional card to my 1+ yo Cashback credit card as an offer was going on in app. The card was instantly approved and issued on 19 December, January 4 was the statement date, 23 January was the payment date. I rely on Cred to pay...

I am not regular in checking my cibil. Last i Checked was 2 years ago and it was 780. I checked today, it shows 732. IDK what happened. In cibil reports, payment history is 100% on time, Utilization is around 8-9%. Only 3 new inquiries in last month. I closed one CC in 2022 which was from 2017...

I had a ICICI credit card which I had closed in Jan 2021 by reporting it as lost. Now on 19 Jan 2024, I received a statement for that card with due amount as Rs. 59 and due date as 6 Feb, 2024. There is one txn for 29.5 Rs for Reward redemption charges on 21 Dec 2023. Statement also shows...

IDFC First Bank ne December ki payment CIBIL ko report hi nhi ki sirf November hi show ho Raha hai onescore mein (first time cibil gen) aur card 28 nov ko issue hua tha. 🤡 Cibil is generated on the basis of no usage Jab sudden jump hoga utilisation mein toh koi problem toh nhi hogi Contacted...

My CIBIL score dropped from 795 to 787. No new inquiries, no dues, credit usage is 4% of total credit limit. 2 changes only 1) One card reached 30% credit utilization because an electronic item was bought. But overall credit usage was %4. 2)EMIfied that electronic item transaction for 3...

Amazon Pay Later (CapFloat + Karur Vysya Bank) was closed 2 months ago(closure initiated 3 months ago). I have received a No Objection Certificate (NOC) showing the closure in my CIBIL report, but in my Experian credit report, Karur Vysya is closed while Capital Float is still showing as active...

This is my first CC. Around 8 month old Moneyback plus cc with 500rs + gst. Reasons for closing this CC 1. HDFC made 2 other hard enquiries for credit card just after 1 month i recieved the card. So total 3 hard enquiry. I tried emailing them and trying to remove it for 3-4 months. They are...

I have 2 credit cards and lots of pay laters .I never use them ever .I was keeping them because the appear as always paid so I thought they might have positive effect on my cibil. But I am now thinking of closing them.Please give your views.

I have tried to apply IndusInd bank Legend CC a few days back, After entering all my details I landed on a blank page where I was unable to see anything I tried to reach customer care multiple times but no response they didn't even answer the call. I sent an email with a screenshot but I got...

I have cibil subscription but every month I check gpay cibil too for any pre-approved offers but all of sudden when I refresh gpay cibil it look like not my data any more. >Comparison done with today official report(everything correct in official)< Cibil score in CIBIL app:796 Gpay score...

On December, I got a pre-qualified offer from IndiaLends, due to my financial illiteracy, I applied through their portal without reading and understanding their T&Cs. Now my concern is that if the inquiry done by IndiaLends is going to be reflected on my CIBIL, also if they can make any further...

I had received a call from ICICI customer service stating that I'm eligible for LTF Coral Rupay card. Since it was LTF, I obliged. He asked to message the usual 'AST YES' to their number(I had done the same thing once earlier while getting the Platinum card). I asked him whether it will do a...

Yesterday, the score was 796. No bill due, nothing. In fact, the last remaining bill was overpaid by Rs. 2 before the bill generation date. I refreshed the report today, and the score is 774. Nothing in Alerts section, no SMS from CIBIL regarding any new addition/deletion/update/enquiry. Only...

Hello, My Credit Score was b/w 792 to 796 for many years but on a fine day I found out technofino and Applied for almost all credit cards and got a few of them. One thing I don't know every time I check if HDFC offered me CC or not, it is counted as cibill inquiry. In short my inpatient...

Sharing my experience with the community. YMMV. I had only 2 credit cards until 5 months ago. No other loans. CIBIL was 796. Age of credit cards were 10 years and 7 years. Made appr 10 inquiries since then and got two new credit cards. CiBIL dropped to 794, likely due to inquiries. Initially I...

Hi all, I have 5 credit cards but I dont have any Rupay variant. I want to apply for one but the problem is related to number of enquiries in my CIBIL report. My credit profile is almost 4 years old and I have 14 enquiries till date. Out of those 14, 13 are in the last 3 months alone - 8 in...

Experimental - How to Get Free Credit Period Upto 80 Days?? Hello TFCians, Generally Credit Cards Have Free Credit Period Upto 50±1 Days. In This Period, First 30 Is The Period Where You Use Card, On 31st Day The Bill Generates & Now You Have 20 Days To Pay The Bill. Have You Ever Thought To...

Hi all. Some years back I had taken an education loan from a national bank. Though I was late in repaying a few instalments, I repaid back all the amount due and closed that loan account in December 2021. I took an NOC from the bank declaring that the all dues were cleared and they were closing...

I had an amazon account from which I was check my cibil and then I deleted my amazon account and created a new account. But now when I tried to check cibil score or apply for Amazon pay later it's showing an error that cibil score has been fetched from another amazon account please login into...