Guys yes we are rocking:)

[navdeep22]

This is correct. I have 11 enquiries for CCs in the last 6 months and my score dropped from 811 to 803 for a period of exactly 30 days. Today it’s back to 811

My cibil is not going to 800, stuck at 790

 

[SSV]

And all was coz of my mistake if I would have pre planned for credit card could have go it already with 1 cibil enquiry as well

Now, you had learnt .. that is the beauty here..

 

[ahmedshaikh__]

This is correct. I have 11 enquiries for CCs in the last 6 months and my score dropped from 811 to 803 for a period of exactly 30 days. Today it’s back to 811

Btw where I can see my

If your CIBIL profile is > 5 years.. dont worry about CIBIL enquiries..
they are over-rated ..
you can have as many as 100 enquiries, if your credit age is more than 10 years and it does really nothing to your score..
even if it does something, it will recover pretty fast..
Enjoy life ... that is more important than these CIBIL enquiries !!!

btw where I can see my cibil profile how old it’s ?

 

[SSV]

Btw where I can see my

btw where I can see my cibil profile how old it’s ?

It is the oldest active credit account.
say, in your CIBIL , your oldest CC was opend in 2018, your CIBIL profile is 6 years old..

 

[ahmedshaikh__]

It is the oldest active credit account.
say, in your CIBIL , your oldest CC was opend in 2018, your CIBIL profile is 6 years old..

So Cibil is counting credit card not with loan ? B coz before having a credit card I had a loan on debit card

 

[SSV]

So Cibil is counting credit card not with loan ? B coz before having a credit card I had a loan on debit card

loan also counts .. any liability account

 

[Wealth is my birth right!]

I was inactive here for 6 month and had 0 cibil inquiries and then I needed a travel card came here got 3 cibil enquiries within 24 hours

And all was coz of my mistake if I would have pre planned for credit card could have go it already with 1 cibil enquiry as well

Learning is earning
No regrets

 

[m4b]

The party has started early this week.

 

[Wealth is my birth right!]

The party has started early this week.

Mid week special

 

[ahmedshaikh__]

Learning is earning
No regrets

Yeah bro I don’t have any regrets this website was helpful for me whenever something was happening with me with bank/cc I was just coming here searching issue then always finding anyone with same problem n Sloution n then peace of mind

 

[navdeep22]

My cibil is not going to 800, stuck at 790

Iska bhi koi answer krdo bhai @SSV @Wealth is my birth right!

 

[Wealth is my birth right!]

Yeah bro I don’t have any regrets this website was helpful for me whenever something was happening with me with bank/cc I was just coming here searching issue then always finding anyone with same problem n Sloution n then peace of mind

Glad that we r helping each other

 

[Wealth is my birth right!]

Iska bhi koi answer krdo bhai @SSV @Wealth is my birth right!

Bhai it needs lot of personal info like age of credit history, how many cards, credit utilization ratio for an HY and last month how many cards applied etc

 

[SSV]

Iska bhi koi answer krdo bhai @SSV @Wealth is my birth right!

wait for a few weeks
I will explain in my next article in detail..

meanwhile , you need to makeyour oustanding balance <= 0 as on the cibil reporting date for each of your acconts ..
this will give you extra 10+ points

 

[ahmedshaikh__]

wait for a few weeks
I will explain in my next article in detail..

meanwhile , you need to makeyour oustanding balance <= 0 as on the cibil reporting date for each of your acconts ..
this will give you extra 10+ points

Ur suggesting early payment ?

 

[SSV]

Ur suggesting early payment ?

yes . .

 

[navdeep22]

I usually pay credit card bills on first. I think

wait for a few weeks
I will explain in my next article in detail..

meanwhile , you need to makeyour oustanding balance <= 0 as on the cibil reporting date for each of your acconts ..
this will give you extra 10+ points

I think is should pay them before month end

 

[ahmedshaikh__]

loan also counts .. any liability account

So it’s October 2020 n then cc December 2021

 

[SSV]

I usually pay credit card bills on first. I think

I think is should pay them before month end

Yes, in most cases..

it is before reporting date.

Some banks reporting date is the month end and while others report as on bill generation date..

so it results in before month end / bill generation date..
Hope it is as clear as mud..

 

[ahmedshaikh__]

yes . .

And I was thinking that wrong I’m wating for it generate n then paying on btw isn’t it’s like ur not using ur card ??