HDFC Wrong Cibil Enquiry for CC

[RupayMan]

Why HDFC enquiry for Credit card like Loan Collateral? Everyone getting the same thing from HDFC?

 

[Intruder]

Yes, bank doesn't respond in affirmation even after complaint. RBI also doesn't mandate it to comply as its a type of agreement between cibil and Bank. Bank have liberty to report actual limit or high limit.

Trick - if u have multiple cards, max out your HDFC Card in a month and end of month Hdfc reports it to cibil and continues in their record

 

[RupayMan]

Yes, bank doesn't respond in affirmation even after complaint. RBI also doesn't mandate it to comply as its a type of agreement between cibil and Bank. Bank have liberty to report actual limit or high limit.

Trick - if u have multiple cards, max out your HDFC Card in a month and end of month Hdfc reports it to cibil and continues in their record

I dont get your answer, asked for Cibil enquiries like loan instead of credit card, not the credit limit

 

[xiddy]

Yeah, I noticed this on my cibil report a few days ago as well. But this is HDFC, so I didn't bother asking them to remove it.

 

[Enthusiastic]

Same here. ✋️