HDFC Reporting Full Card Usage Wrongly

[CaptArcadian]

Hi All,

My CIBIL Credit score recently took a big hit because HDFC reported that the Limit Utilization and Credit Limit are the same hence showing off that I'm 100% utilized.
However, my Credit Limit is more than 3Lks and the data is completely wrong.
How do I fix this? Does anyone have any ideas?
Huge thanks in advance for taking the time to read this.

 

[SoggypastA]

HDFC doesn't report total credit limit. My cibil score dropped by 11 points due to same.

 

[CaptArcadian]

HDFC doesn't report total credit limit. My cibil score dropped by 11 points due to same.

Wondering where the 45K limit is coming from. Next time i'll be worried to use the HDFC credit card beyond 45K

 

[SoggypastA]

Wondering where the 45K limit is coming from. Next time i'll be worried to use the HDFC credit card beyond 45K

45K is your highest utilised limit till now.

 

[HB25]

HDFC doesn't report credit limit. Idk what app this is but it is mistaking credit used for credit limit (one score also does that).
Don't worry, just pay back most of the amount for next time nd score will jump up again. Happened with me too.

 

[Credit Karma]

What app is this?

 

[kunaljn91]

I

Hi All,

My CIBIL Credit score recently took a big hit because HDFC reported that the Limit Utilization and Credit Limit are the same hence showing off that I'm 100% utilized.
However, my Credit Limit is more than 3Lks and the data is completely wrong.
How do I fix this? Does anyone have any ideas?
Huge thanks in advance for taking the time to read this.



View attachment 3946

It is the same for me as well! But it never really impacted that much to my CIBIL!

 

[Akashgod]

That app shows wrong.. don't worry it doesn't impact ur credit score.. hdfc reports balance at month end , better clear off b4 dat.