Okay... I can't stop cross promoting here...
www.technofino.in
Strong fundamentals, work with a listed company. Good CIBIL, long banking relationships, over a decade old credit history and impeccable repayment record. There was a homeloan which I prepaid. Currently running an education loan and car loan. Tier 1 alumni, so got all the alumni LTF cards. and lastly >30 lakhs ITR.
That being said I am now getting rejections from new banks. Only shared limit cards are being issued. (Enquiries at play despite 794 CIBIL) so need to cool down.
CIBIL is still a mystery to some extent. Even in my case, with new inquiries, my score is only going up. Last month it was 794, and this month it's 795. On One Score, it's predicting that it will continue to increase. I've been noticing this consistently for the last 3 months. So, at a certain point, a person with a long credit history does reach a saturation point where such inquiries have no effect on their CIBIL score.
Snips from my CIBIL summary (Aug 2023) Most recent 6 CCs haven't updated yet. Loan include credit lines, paylaters and my education and car loan.
So from what I understood, you are not interested in Kitchen stuff and you want your CIBIL score high, right??
No worries mate, just want to understand Hindi.. I make fun all the time as well and I am okay to receive it back as well as long as we don't hurt others and strictly no profanity.. all good
updated with credit mix from the report.
One fine day, may be sometime next year, I will explain how to keep CIBIL high..solving many of the mysteries .. a solid plan to keep the score as high as possible...
4 but that I got at a later stage. Had 20 plus Unsecured cards by then. I have IDFC WOW, Niyo Global, Stepup and Gild. My first unsecured was Citibank rewards card at age of 21 opened with my salary account when I started my career. That was in 2012.
