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HDFC ripped a hole through my crif score

Bel

TF Buzz
Ok let me begin by saying this, I own an HDFC cc from almost a year and my CC limit was around 1.5L
The max utilisation I reached on this card has been ~40k earlier and was reflecting as my max utilised amount in my credit report. (HDFC doesnt report credit limit)
In the current month (June), 2 things happened.
1. HDFC increased my cc limit by ~25%.
2. I exceeded my previous max spend limit on this card by a bit and used close to 50k this month.

What happened you ask ? My crif score on cred fell from 810 --> 706. Like wtf ? Why is there a 100+ point drop ?

PS: I have another couple of CC's from axis,sbi. Havent used them this month nor have I applied to any loans , BNPLs or CCs in the last ~6months. Like seriously HDFC wtf is going on ?
 
Ok let me begin by saying this, I own an HDFC cc from almost a year and my CC limit was around 1.5L
The max utilisation I reached on this card has been ~40k earlier and was reflecting as my max utilised amount in my credit report. (HDFC doesnt report credit limit)
In the current month (June), 2 things happened.
1. HDFC increased my cc limit by ~25%.
2. I exceeded my previous max spend limit on this card by a bit and used close to 50k this month.

What happened you ask ? My crif score on cred fell from 810 --> 706. Like wtf ? Why is there a 100+ point drop ?

PS: I have another couple of CC's from axis,sbi. Havent used them this month nor have I applied to any loans , BNPLs or CCs in the last ~6months. Like seriously HDFC wtf is going on ?
CRIF score doesn't matter. Check CIBIL, it wouldn't have dropped much. So, chill.
 
CR

CRIF matters, SBI Card & Home Loan enquires Crif only.
Raise a dispute immediately with Crif & ask them to point out what actually went wrong.
Based on that raise a dispute towards the financial institution who actually influenced for this drop.
Ohh is it. Even mine dropped by 82 points, just for opening 2 new credit card accounts.
@TechnoFino Your thoughts on this, is this true? 👀
 
CR

CRIF matters, SBI Card & Home Loan enquires Crif only.
Raise a dispute immediately with Crif & ask them to point out what actually went wrong.
Based on that raise a dispute towards the financial institution who actually influenced for this drop.
CRIF is very slow i have raised multiple complaints for my closed card which was showing active in crif report they took almost 2-3 months to mark that card close
 
crif score is useless no worries about my crif score is 592 which again was due in accuracies in the report but i still get pre approved offer from sbi for simplyclick with a low limit obviously. my cibil score is 768
 
I don't understand one thing about CRIF they down the crif score very harshly. Last year in december i secured a car laon in SBI who use my cibil score and the approval was within 3 hours. After securing the loan my CIBIL score was down for only 10 pints and recovered on the very next month. But the CRIF score was down from 810 to 695 can you believe it. Its been 1 year the crif score only recovered to 735 only. Can you believe it. I never miss any credit card payment and my car loan EMI. I don't understand how CRIF is evaluating the score.
 
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