in computing credit utilization ratio by CIBIL, do they include amount used in personal loans or only credit card utilization is considered ?

[Mahirathore360]

i am bit confused in that, expert please give your opinions

 

[SSV]

they report it as Consumer loan

then they ( Consumer Loans) are not Revolving Credit accounts

 

[Mahirathore360]

then they ( Consumer Loans) are not Revolving Credit accounts

ok cool , and what is this American express link is showing on your account ?

 

[SSV]

ok cool , and what is this American express link is showing on your account ?

It is my referral link , using this you can apply for an Amex card

 

[Mahirathore360]

It is my referral link , using this you can apply for an Amex card

can i get this card with CIBIL of 733 without income proof

 

[SSV]

can i get this card with CIBIL of 733 without income proof

DIfficult, they generally need 750 and above
and with regard to income proof it is entirely upto the Amex's algorithm..

For more details, you can DM me.. so that I can provide more detailed advise depending upon your personal circumsances..

My general advice, first get the CIBIL above 750 as a priority..

 

[Mahirathore360]

DIfficult, they generally need 750 and above
and with regard to income proof it is entirely upto the Amex's algorithm..

For more details, you can DM me.. so that I can provide more detailed advise depending upon your personal circumsances..

My general advice, first get the CIBIL above 750 as a priority..

ok i will first reach 750+ CIBIL and then i will use your link for the card

 

[SSV]

ok i will first reach 750+ CIBIL and then i will use your link for the card

Sure, thank you..
But before applying , DM me, I will guide you thru the entire process from the beginning to the end..

 

[Mahirathore360]

Sure, thank you..
But before applying , DM me, I will guide you thru the entire process from the beginning to the end..

yeah sure and thanks