anyone with cibil between 850-900?

[ltf4ever]

i am trying to understand what factors might lead to having a cibil as near to 900 as possible.

i have not heard of anyone with such high scores (in my experience i have seen only people with a
around 810 max).


its not as if at entry level (no credit card, no loan) it is 900 and starts decreasing gradually. nor is it that it increases gradually till you retire. me, despite having many credit cards and extremely low utilization and timely payments, i am having the same score as someone with minimum credit cards, a few paid off loans which were always paid on time.

if anyone in this community has the score above 850, please share your insights on how you managed it, or how you planned it.

 

[Shubham Yadav]

That's an unbelievable score with only cc. Did you have any pay later/personal loan/fd credit card in the past? Or you just started with unsecured credit card?

Are nhi bro i was joking 🤣🤣🤣🤣

@4uziaul dada samjh gaye the

 

[amit]

Anything above 780 you are already on high post. doesn't make any sense to chase above that.

 

[Das.N]

Thnx bhai...Lagta hai tum bhi Axis bank ki "Internal Policies" ke fan ho 🤣🤣🤣

Ab tak nehi. Mera Axis ka ek hi card hai, Axis Ace. Aur family mein Flipkart Axis Card bhi hai. Dono ek hi chance mein approved ho gaya tha. Without any relationship with axis. Lekin iss internal policies k karan bohut logo ko suffer karte dekha hoon.

 

[Shubham Yadav]

Ab tak nehi. Mera Axis ka ek hi card hai, Axis Ace. Aur family mein Flipkart Axis Card bhi hai. Dono ek hi chance mein approved ho gaya tha. Without any relationship with axis. Lekin iss internal policies k karan bohut logo ko suffer karte dekha hoon.

Ek baar axis airtel try karo

 

[alok416]

Anything above 780 you are already on high post. doesn't make any sense to chase above that.

Are you sure ? 777 mera ho gya h 😛...3 points door hu 👻

 

[alok416]

Ab tak nehi. Mera Axis ka ek hi card hai, Axis Ace. Aur family mein Flipkart Axis Card bhi hai. Dono ek hi chance mein approved ho gaya tha. Without any relationship with axis. Lekin iss internal policies k karan bohut logo ko suffer karte dekha hoon.

Ek bar "Airtel Axis card" apply karke dekho 😛😛😛

Fir jaise Pyar ka dard jaise meetha meetha pyara pyara lagta h 😛

Waise hi fir Axis ki internal policies bhi pyari pyari lgegi.. humari tarah 😛

 

[alok416]

Ek baar axis airtel try karo

Akshay kumar ka fan hai ye bhai 😛

Khatro ka khiladi banwana chahta h tumhe 😛🤣

 

[Das.N]

Ek bar "Airtel Axis card" apply karke dekho 😛😛😛

Fir jaise Pyar ka dard jaise meetha meetha pyara pyara lagta h 😛

Waise hi fir Axis ki internal policies bhi pyari pyari lgegi.. humari tarah 😛

Bekar mein aag mein kaun kudega? Nehi chahiye bhai axis Airtel . Aapki pareshani bhai aap sambhalo.

 

[alok416]

Bekar mein aag mein kaun kudega? Nehi chahiye bhai axis Airtel . Aapki pareshani bhai aap sambhalo.

Gaur se dekho Is insan ko....👀

Yahi h wo... Jisne 1st time bola tha - "Sab moh maya hai" 😛

Kash hum bhi ye soch paate 😅

Wo to thnx to Axis officers ki Sari ki sari 14 inquiries reverse kar di cibil account se 😛

 

[insight]

I have a cibil 830 with only cc

Details, History, Chronolgy?

 

[SSV]

I have a cibil 830 with only cc

Is it CIBIL or Experian?
How old is your credit history?

 

[unusedbrain1]

I really doubt if you can go above 800 with just credit cards without home loan or car loan

what about Tractor loan 😂

 

[maynigam]

If you ever take a personal loan, you score will always remain below 800. That's what happened to me after i took a cred loan.

Not true. I have taken personal loan. I’m at 810

 

[RevEng]

My uncle's cibil dropped to 650 in 2020 as he missed home loan payments 4-5 times in that year, but later from 2021-till now he didn't miss any payments and he also started using his first credit card (Axis). He is always paying the bill as early as possible and mostly before even bill generation.

Now his cibil has increased to 820. Not sure what triggered this substantial increase in credit score.

It's because last bad comment is more than 36 months old and doesn't impact credit score.

Same thing happened to me. Missed March, April and May 2020 education loan EMI due to confusion regarding moratorium. CIBIL dropped to 632 in July 2020.

This year the score suddenly jumped from 720 to 784 in June, after 36 months of last bad comment.

 

[Greencheese]

Ek bar "Airtel Axis card" apply karke dekho 😛😛😛

Fir jaise Pyar ka dard jaise meetha meetha pyara pyara lagta h 😛

Waise hi fir Axis ki internal policies bhi pyari pyari lgegi.. humari tarah 😛

Seriously? मैंने जब Airtel thanks से apply किया था कुछ भी परेशानी नई हुआ, और तीन दिन में कार्ड मिल गया. उसी time मे मैं Axis का existing customer नहीं था

 

[Ansh@5580]

My CIBIL score since last 5 months stuck at 817

 

[CosmicCat]

Chahe 900 kar lo...

Axis fir bhi "Internal Policies" ke karan hi decline karega 🤣🤣😛😛😛 bar bar...

Sahi bola na ? @4uziaul

Axis ka "Internal Policy" matlab "Hum log toss karenge. Head aaya toh approve, tail aaya toh reject." 😂

 

[Lobogris]

Axis ka "Internal Policy" matlab "Hum log toss karenge." Head aaya toh approve, tail aaya toh reject.

I had pretty good experience with Axis. No previous relationship but my Axis Flipkart and Axis Airtel cards were approved instantly without any documentation last year. Credit limit was a little low at around 1.8 lakhs but has now been increased to 2.75 lakhs.

 

[CosmicCat]

I had pretty good experience with Axis. No previous relationship but my Axis Flipkart and Axis Airtel cards were approved instantly without any documentation last year. Credit limit was a little low at around 1.8 lakhs but has now been increased to 2.75 lakhs.

My experience was otherwise.

Could you please answer the following questions, if you don't mind?

1. Were you an existing Axis Bank customer (Excluding credit cards) when you applied them?

2. Are you salaried or self-employed? Asking because Axis has a serious issue with self-employed people.

3. What had been your CIBIL score's range and number of recent enquiries at the time you applied?

 

[Lobogris]

My experience was otherwise.

Could you please answer the following questions, if you don't mind?

1. Were you an existing Axis Bank customer (Excluding credit cards) when you applied them?

2. Are you salaried or self-employed? Asking because Axis has a serious issue with self-employed people.

3. What had been your CIBIL score's range and number of recent enquiries at the time you applied?

1. No prior relationship with Axis. (Says so in my post)
2. Self employed. No ITR or documents were asked. Do have a decent ITR available though.
3. CIBIL around 785 to 790. Probably around 3 enquiries in the past month or two at the time of application. Actually I was denied by HDFC just before getting Axis. HDFC hates me.