Yes PNB is good to report exact itr income but recently I got indusind credit card and indus reported crazy figure ₹92,00,00,000 income. Cibil app does not allow to take screenshot otherwise I would have shared it.
Don't worry too much about it,
See Cibil takes its data from financial institutions and not from individuals, so there's no way to rectify it buy yourself without going through the reporting bank,
Also as long as it doesn't hurt your score or anything, it really doesn't matter
Why would you want to get it corrected,
Ride that wave my friend,
This credit report will open so many doors for you,
Forget HDFC idiots and just keep going on
It won't, in fact almost all banks algo will flag such credit profile as "suspicious/require more scrutiny" & might even lessen the chances of card approval in extreme case.
In actual, my total limit across cards is less than my gross income. The only steep one is ICICI which I might bring down since banks don't consider ICICI for C2C View attachment 69144
My SBI CB card is about 2 year old. But I didn't get a single limit increase offer till now.
Check every and even called customer care. But still no Limit increase offer.
my first request was rejected instantly from web site and after 5 days thru App and Anumati got instant 1L CLI..
you never know.. wait for few days and try differently....