Highest CIBIL score

[2024]

Who has highest CIBIL score

 

[Patil007]

CIBIL - 811
Number of CCs - 5 Open, 7 Closed
Credit history - Since starting of CIBIL (2004). CCs date from even before that. Tells my age 😉
Total Enquiries - 7 in the last 16 years

 

[Bodhi]

CIBIL - 811
Number of CCs - 5 Open, 7 Closed
Credit history - Since starting of CIBIL (2004). CCs date from even before that. Tells my age 😉
Total Enquiries - 7 in the last 16 years

49

 

[vip3rc5]

Highest was probably 806 (3 months back) , I don't check it too often. Now it is down to 803 because of 2 reasons
1. 3 enquiries from axis in last 3 months(which they are in the process to reverse)
2. Bought a car with cc, so the utilization reached almost 90%

Car with credit card? Which car bdw ?

 

[suhailmz]

My Cibil: 757 ( Was 777 before I joined this forum)
Number of CC: 5
Number of Enquiries: 10 in last 1 year, total 13 in 3 years ( some useless enquiries back to back by ICICI & IndusInd)
Credit Age: 8.7 years

 

[OneMileAtATime]

Car with credit card? Which car bdw ?

Paid main part of the payment, around 9 lakh odd. Remaining around 3 lakh account transfer. Did that to lock in previous years rate as we were booking it in the last week of december, this year all most all auto companies have increased rate by 1-2%.
the best part was able to negotiate with the dealer on waving off 1.5% charges for using card. But in our case, anyway they were not willing to give any more discount if we have to transfer amount directly, so whatever I saved on points is the discount

 

[Bodhi]

Paid main part of the payment, around 9 lakh odd. Remaining around 3 lakh account transfer. Did that to lock in previous years rate as we were booking it in the last week of december, this year all most all auto companies have increased rate by 1-2%.
the best part was able to negotiate with the dealer on waving off 1.5% charges for using card. But in our case, anyway they were not willing to give any more discount if we have to transfer amount directly, so whatever I saved on points is the discount

Well done @OneMileAtATime

Getting the dealer to wave of the card charges is pretty rare, I think

 

[BlueFlash]

Paid main part of the payment, around 9 lakh odd. Remaining around 3 lakh account transfer. Did that to lock in previous years rate as we were booking it in the last week of december, this year all most all auto companies have increased rate by 1-2%.
the best part was able to negotiate with the dealer on waving off 1.5% charges for using card. But in our case, anyway they were not willing to give any more discount if we have to transfer amount directly, so whatever I saved on points is the discount

Did you do a single 9L swipe or did in multiple swipes ?

 

[OneMileAtATime]

Did you do a single 9L swipe or did in multiple swipes ?

7lac odd one and exact 2 lac other, my limit was already full, i had to transfer money, which took time to reflect on CC. Otherwise, I would have done a single txn.

 

[MA Zuheeb]

CIBIL - 811
Number of CCs - 5 Open, 7 Closed
Credit history - Since starting of CIBIL (2004). CCs date from even before that. Tells my age 😉
Total Enquiries - 7 in the last 16 years

Have you met Gandhi ji 😉

 

[vip3rc5]

Paid main part of the payment, around 9 lakh odd. Remaining around 3 lakh account transfer. Did that to lock in previous years rate as we were booking it in the last week of december, this year all most all auto companies have increased rate by 1-2%.
the best part was able to negotiate with the dealer on waving off 1.5% charges for using card. But in our case, anyway they were not willing to give any more discount if we have to transfer amount directly, so whatever I saved on points is the discount

well the dealer waving off 1.5% charges is great. I guess you saved points worth more than 13.5 k then

 

[OneMileAtATime]

well the dealer waving off 1.5% charges is great. I guess you saved points worth more than 13.5 k then

Yes, I used infinia. So got around 30k odd points. Worst case, even if I value each point at 0.7 then also I would have saved around 21k.

 

[vikasr94]

My Cibil: 784
Number of CC: 17 (+2 BNPL)
Number of Enquiries: 6 in last 30 days, had raised a bunch of limit enhancement requests.
Credit Age: 11 years 6 months

 

[pandyag]

My cibil : 792
Number of CC : 7
Number of enquiries : 10 in last 3 monnths
Credit Age : 14 yrs 7 months

 

[nrb]

My cibil : 807
Number of CC : 13
Number of enquiries : 10 in last 3 months
Credit Age : 17 years 3 months

 

[CARDiologist]

My CIBIL: 760
Cards: 6(All got in 2023 alone)
Enquiries: 41(Didn't know credit score was a thing back then & tried almost all banks & bnpl services)
Credit Age:3 Years

 

[HarshitRajput]

My cibil- 778
Experian- 870

Total accounts- 30

 

[kumaresh b]

Who has highest CIBIL score

mine is 788. would have been more if my bank didn't report 18 late emi payments which i paid on time

 

[Maxwell]

My Cibil : 792
Number of CC : 7
Number of enquiries : 14 (3 Years)
Credit Age : 10+ Years

 

[SMGROW]

Cibil -800
Number of CC -3
Cibil History - since 2006

 

[globetrotter]

Cibil -800
Number of CC -11 OPEN
Depth of Credit - 22 years