#creditscore

Can I prepay my Credit Card EMIs without foreclosing the entire amount, and will the bank recalculate and reduce my EMI amount? Just for an example If I've already paid 10 out of 36 EMIs and wanted to prepay 20 more...but want to keep the remaining 6 EMIs open. will the bank recalculate the...

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure...

Cibil subscription is available for approx 50 % discount .Buy from their official website. Discount code is FREEDOM50. Stacking option may also be utilised if any current subscription is active. (Note Credit goes to- @BVC) @SSV @NShah @Shubham Yadav

I have recently got an ICICI Credit card, on 15 July the application was submitted and a hard CIBIL enquiry was reported then. Today totally out of curiosity I was checking IDFC credit cards offer for me, and they added a hard CIBIL enquiry. Although I didn't complete the application and...

I have recently got an ICICI Credit card, on 15 July the application was submitted and a hard CIBIL enquiry was reported then. Today totally out of curiosity I was checking IDFC credit cards offer for me, and they added a hard CIBIL enquiry. Although I didn't complete the application and...

Hello folks I read somewhere that Icici does not report the actual limit given to you. Instead, it reports the Transaction limit you have set for your Credit Card as Limit to Bureau. Is this true..? For example, let's say you got Sapphiro with 5L limit; but since you don't plan to use the cc...

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...

I recently got my first credit card (unsecured). Before this I have never taken a loan and never activated a BNPL service. So, my total credit history is 4 months old. But, I get rejected whatever new credit card I apply. These are all the card I applied last month and they all are rejected...

Hello everyone I recently made account on the community and participation in discussions. I got my first ever card, Icici Sapphiro (Alumni) I had no prior credit history of any kind (loans, CC, Pay later, nothing) but due to the Almuni offer I got the card. After hearing the comments that HDFC...

Hello Technofinians, I applied for Amex Platinum Travel in December 2022, BOB Premiere in April 2023, Axis Magnus in May 2023 and PNB Rupay Select in May 2023 (applied in April but the application was completed in May). I also closed my Kotak Urbane credit card in May 2023. I am looking to get...