2 Hard Enquiries in a month

[me_sovon]

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 cancelled it.

I know it's my fault, So I just want to know how much bad affect this my credit score?
I don't have any other enquiries in past 11 months.

Surely I keep that in mind & I will avoid this kind of mistakes.
So please confirm anyone.

 

[m4b]

Depends, my CIBIL was down by 10pts after 2 hard enquiries in a day. Short term

 

[Anindya98]

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 cancelled it.

I know it's my fault, So I just want to know how much bad affect this my credit score?
I don't have any other enquiries, only these 2 credit card Enquiries.

Surely I keep that in mind that in future I will avoid this kind of mistake.
So please confirm anyone.

Share your cibil score, credit age, utilization, and no of hard enquiry in the last 2 months

 

[me_sovon]

Share your cibil score, credit age, utilization, and no of hard enquiry in the last 2 months

Current Score is : 788
No hard enquiry in past 11 months
Age 3.5 year
Utilisation: never used more than 10% of my limit, in recent months didn't use a single rupee from the card I already have.

 

[Anindya98]

Current Score is : 788
No hard enquiry in past 11 months
Age 3.5 year
Utilisation: never used more than 10% of my limit, in recent months didn't use a single rupee from the card I already have.

No harm will happen with 2 hard enquiry in a month it will recover very soon if it goes down.

 

[me_sovon]

No harm will happen with 2 hard enquiry in a month it will recover very soon if it goes down.

Thank you so much for the confirmation.

 

[Anindya98]

Thank you so much for the confirmation.

Please mark that as a solution if my answer helped you

 

[me_sovon]

Please mark that as a solution if my answer helped you

You mean upvote ? I'm new here so don't know about the process to Mark as useful

 

[Anindya98]

You mean upvote ? I'm new here so don't know about the process to Mark as useful

Click on this option

 

[me_sovon]

Click on this option

Done.
Could you please guide me to delete the duplicate post which I posted earlier?

 

[Animesh67]

Done.
Could you please guide me to delete the duplicate post which I posted earlier?

Tag an Admin or Moderator they will delete the duplicate post

 

[Shin-Chan]

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 cancelled it.

I know it's my fault, So I just want to know how much bad affect this my credit score?
I don't have any other enquiries in past 11 months.

Surely I keep that in mind & I will avoid this kind of mistakes.
So please confirm anyone.

I had 3 hard enquiries in last 30 days and my CIBIL increased by 3 points, Enquiries affect to a small magnitude and impact is short lived.

For better understanding do read the post on CIBIL by @SSV sir : https://www.technofino.in/community/threads/cibil-score-a-practical-guide.29167/