Enquires across credit bureaus

[yusuf646]

Oh so verification using bank account . good idea I will do with idfc & try for cashback card

Wishing you the best of luck!

 

[SSV]

I will then try with idfc account having gurgaon address
22 April &90 days will be over

Oh so verification using bank account . good idea I will do with idfc & try for cashback card

It is not your decision to choose which kyc path is applicable to you…
It is SBI card’s call…
There are different workflows they follow

 

[Vasuki]

It is not your decision to choose which kyc path is applicable to you…
It is SBI card’s call…
There are different workflows they follow

Lets see what happens

 

[newinnov]

Saying from personal experience in our office only 30% SBI IRCTC rupay cards approve after all the procedure was done correctly.

Hi,
Heard that from SBI branch, SBI card can be applied even on unsupported pincodes, is it true?

 

[helloworld]

I observed that the hard enquiries in CIBIL die out after 3 years.

As per my observation in Experian , Equifax the enquiry stays permanently .
Has anyone faced the same ?

It won't die out, it just not visible for normal user (after they modifed their UI, a year ago) and have less importance while calculating score.

Note: For score, all bureaus same. They won't use much if enquiries are >3Y (available in each bureau FAQs), its just that they show whereas now CIBIL not showing, that's it.

If you want full report, you can raise a dispute and for some reason if they solve themselves they'll send you a full detailed report to your email id. It contains not only full enquiries but each enquiry purpose and amount too (that also currently not visible in CIBIL for normal cases). So, it exist but not visible.