I lost my old Credit Card and bloced it and got a replacement card now in Cibil the Credit Card shown as closed

[federer.reddevil]

I have SBI SimplyClick Credit Card which is my oldest card. I lost the card and blocked it and got a replacement card but now the card is shown as closed in Cibil as it is my oldest account will it affect my Cibil score?

 

[Chaitanya_V]

Check your new card start date, ideally it should be your old card start date. For expired and replacement cards it doesn't matter much AFAIK.

 

[federer.reddevil]

Oh okey the new card is not updated in Cibit yet will check next month Cibil

 

[ray8285]

Same thing happened with me !!!! WTH seriously is wrong with SBI CARDS ? They closed my account with account history of more than 3 years after issuing replacement of my damaged card & then created a new card account with the new card number but old start date !

This is ridiculous & I haven’t seen any card issuer do that UNLESS there is some changes at account level i.e Upgrade / downgrade & so on !!

I Complained to the nodal officer & got a call back telling me that it’s SBI CARD’s “POLICY” to create a new account every 4 years or so, when a card nears expiry & they replace the card !!!

Is this even true ???? Sounds absolutely bull to me !! NEVER heard “any” card issuer do this unless there is a change at account level. Creating a new card account for replacing damaged plastic just coz the card is over 3 years old is .. ridiculous !

Anyone else had the same issue ?

 

[Chaitanya_V]

Same thing happened with me !!!! WTH seriously is wrong with SBI CARDS ? They closed my account with account history of more than 3 years after issuing replacement of my damaged card & then created a new card account with the new card number but old start date !

This is ridiculous & I haven’t seen any card issuer do that UNLESS there is some changes at account level i.e Upgrade / downgrade & so on !!

I Complained to the nodal officer & got a call back telling me that it’s SBI CARD’s “POLICY” to create a new account every 4 years or so, when a card nears expiry & they replace the card !!!

Is this even true ???? Sounds absolutely bull to me !! NEVER heard “any” card issuer do this unless there is a change at account level. Creating a new card account for replacing damaged plastic just coz the card is over 3 years old is .. ridiculous !

Anyone else had the same issue ?

What's your card start date , should be same as your old card.

 

[ray8285]

What's your card start date , should be same as your old card.

2018. That’s what is reflecting in the new account too.

However the DPD section is what I am miffed about ! 36 months of DPD is now wiped out from the “active cards” section !

 

[thecard]

Yes! I have been trying to correct it for the last 2 years with no solution, in the past it was replacement only. Next, write to RBI if not solved.

 

[thecard]

2018. That’s what is reflecting in the new account too.

However the DPD section is what I am miffed about ! 36 months of DPD is now wiped out from the “active cards” section !

Any resolution?