HDFC will start reporting Total Credit Limit from May, 2023

HDFC will start reporting the Total Credit Limit instead of Utilized Limit from May 2023.



P.s. - Previously, HDFC was not reporting total credit limit to Credit Bureau. Due to this, usage calculation was high which wasn't true & lt led down the user's credit score.

This is really a relief to customers 😍😊.

Source: Click here

 

[chenrichy]

I refreshed still old max usage is shown as sanctioned limit

What's your last reported dated in CIBIL for HDFC?

 

[mallepula143]

It is showing the limit

 

[panu24]

Reflected credit limit for me also. Cibil increased by 1 point 🙂

 

[Bugs Bunny]

What's your last reported dated in CIBIL for HDFC?

Just refreshed the cibil now cibil dropped by 10 points as I used my hdfc cc as 100% limit on Amazon just to get full limit shown in cibil, and unfortunately they start showing the limits by themselves 🙂

PS. Current Cibil 759 ( no defaults nothing )

 

[RupayMan]

Mine is not refreshed yet too.. even no limit is showing now, earlier it used to be max used limit. Might have to wait a little longer.

 

[Rahul Gupta]

My limit is also showing and gladly cibil increased by 11 points.

 

[SMGROW]

My HDFC limit is reflected as well and CIBIL score up by 3 points

 

[D₹V]

Just refreshed the cibil now cibil dropped by 10 points as I used my hdfc cc as 100% limit on Amazon just to get full limit shown in cibil, and unfortunately they start showing the limits by themselves 🙂

PS. Current Cibil 759 ( no defaults nothing )

 

[Bugs Bunny]

View attachment 18989

I'm already depressed. Sab ke score badh rhe e mera 10 points se udd gyaa. Had a score of 795 before joining technofino. After that applied for so many cards that it got to 769 and now it's 759. 😞

 

[knight]

I'm already depressed. Sab ke score badh rhe e mera 10 points se udd gyaa. Had a score of 795 before joining technofino. After that applied for so many cards that it got to 769 and now it's 759. 😞

sometimes less is betterrrr

 

[Bugs Bunny]

sometimes less is betterrrr

Learned it a hard way 😞

 

[Bugs Bunny]

sometimes less is betterrrr

Can anyone please guide how much time will it take to get back to 780+ ?

 

[Card_Crafter]

Can anyone please guide how much time will it take to get back to 780+ ?

HDFC report to CIBIL by 30/31st. By this month end, clear all your outstanding on HDFC card those 10 points you will regain.

My score dropped to 723 in April first week i have reduced the utilisation now my score bounced back to 758 in less than 2 months. Once my Axis card is reported for April usage, i am expecting another 5-10 points increase.

 

[Bugs Bunny]

HDFC report to CIBIL by 30/31st. By this month end, clear all your outstanding on HDFC card those 10 points you will regain.

My score dropped to 723 in April first week i have reduced the utilisation now my score bounced back to 758 in less than 2 months. Once my Axis card is reported for April usage, i am expecting another 5-10 points increase.

thank you brother I'd do that

 

[varunsridharan]

HDFC has started to report actual credit limit to bureaus. Just now checked my CIBIL the 31st May data is already updated with actual credit limit mentioned in it. CIBIL went up 6 points because of this for me.

Check yours.

Yes finally they did and its updated for me

 

[D₹V]

Don't worry bro. Just keep usage between 1-9%, it'll bounce back in 1 month itself.

Don't overthink it, just a score.

I'm already depressed. Sab ke score badh rhe e mera 10 points se udd gyaa. Had a score of 795 before joining technofino. After that applied for so many cards that it got to 769 and now it's 759. 😞

 

[Bugs Bunny]

Don't worry bro. Just keep usage between 1-9%, it'll bounce back in 1 month itself.

Don't overthink it, just a score.

Thankyou broo, will keep posted

 

[SamPtnk]

I'm already depressed. Sab ke score badh rhe e mera 10 points se udd gyaa. Had a score of 795 before joining technofino. After that applied for so many cards that it got to 769 and now it's 759. 😞

You are not the only one just refreshed my score dropped 6 points after CL report

 

[Bugs Bunny]

You are not the only one just refreshed my score dropped 6 points after CL report

Can feel you broo.

 

[technom]

Latest cibil report. Showing full credit limit.

Which app is this. It's not showing for me yet but says last updated in April