Help need to Achieve better Cibil Score (2 NBFC Loan Running)

[Rajib]

Hi to everyone. This is my first post. Pardon any mistake

Description
• I have have been using multiple credit cards from last 4+ years. Out of which 2 are loan based card. Slice and lazy pay (I don't use them but they are active)

• I have zero defaults till date, i maintain below 30% spend (Exceeded 30% only 2-3 times till now) and i use credit card almost everyday.

• My CIBIL score stuck at 784, it fluctuates by 1-2 points. Mostly sits in this range.

• Experian score is 850+

My query- are these 2 loan based credit cards holding my credit score back? And should i close then since i am not using them.

Or is there any other reason? Please help.
Thankyou

 

[vaibhav111vaibhav111 is verified member.]

My query- are these 2 loan based credit cards holding my credit score back? And should i close then since i am not using them.

"Bingo" Closed those NBFC Loans.. immediately and take NOC from them.
Edit - changed your thread title too to reflect what you were looking for.

 

[Rajib]

"Bingo" Closed those NBFC Loans.. immediately and take NOC from them.
Edit - changed your thread title too to reflect what you were looking for.

Thankyou for your reply. If i close my account from their App itself(if option available) is it ok? Or do i have to contact them asking to close my account?
And How to take NOC? Over mail no? Process please.