CC closure cibil impact

[cardex]

If I close my card before renewal how much will my points drop? It’s 10 months old.

 

[SSV]

If I close my card before renewal how much will my points drop? It’s 10 months old.

It depends on the next best card in terms of age.
You can check this in the scre simulator of official cibil app

 

[cardex]

It depends on the next best card in terms of age.
You can check this in the scre simulator of official cibil app

oldest card is about 2 years old

 

[SSV]

It depends on the next best card in terms of age.
You can check this in the scre simulator of official cibil app

oldest card is about 2 years old

So the card that you are going to close is not the oldest card, hence nothing happens

You can still check that here in the CIBIL official app for closing the oldest card impact



Edit:
The score simulator can also be accessed from Gpay like below..

 

[cardex]

not subscribed to cibil app actually its sbi vistara basic card don't want to pay 1500 renewal, got just 800 vistara point accumulated seems will have to forgo them and PP . Just got EMT SC card and devalued no PP , 2 lounges per year, bad luck.

 

[SSV]

not subscribed to cibil app actually its sbi vistara basic card don't want to pay 1500 renewal, got just 800 vistara point accumulated seems will have to forgo them and PP . Just got EMT SC card and devalued no PP , 2 lounges per year, bad luck.

Okay,
Anyway you are not closing your oldest card , right?
If so , there won’t be any impact.. you can go ahead and close the unnecessary card

 

[tachniki]

not subscribed to cibil app actually its sbi vistara basic card don't want to pay 1500 renewal, got just 800 vistara point accumulated seems will have to forgo them and PP . Just got EMT SC card and devalued no PP , 2 lounges per year, bad luck.

Same simulator also available in Gpay.

 

[cardex]

Same simulator also available in Gpay.

Ok thanks what’s iur opinion shud I cancel the card or keep it for PP?

 

[tachniki]

Ok thanks what’s iur opinion shud I cancel the card or keep it for PP?

Difficult to suggest based on just available information.

If value you derived from card is less than what you pay it doesn't make sense to continue. If you just keeping for lounge access, there may be other cards available which can give you lounge access based on spend on cards.

 

[cardex]

Difficult to suggest based on just available information.

If value you derived from card is less than what you pay it doesn't make sense to continue. If you just keeping for lounge access, there may be other cards available which can give you lounge access based on spend on cards.

got it they way every card is de valued seems there is no value anymore

 

[Infamous]

not subscribed to cibil app actually its sbi vistara basic card don't want to pay 1500 renewal, got just 800 vistara point accumulated seems will have to forgo them and PP . Just got EMT SC card and devalued no PP , 2 lounges per year, bad luck.

You can also check that simulator on Google Pay

 

[SSV]

Yes, simulator can also be accessed from Gpay as well like below..