My Failed LTF CC Collector Journey

[mrworldwide]

31 CIBIL Hits | 6 LTF Cards | CIBIL Score: 780
Hey Fam!
Sharing my CC journey so far...

2023:
- 6 CIBIL hits from HDFC (checking offers for LTF & non-salaried, not aware hits were being made)

2024:
- 2 more hits from HDFC for same reason
- 1st credit card approved: Regalia Gold (after 6 months of salary)
- Multiple CC rejections (ICICI, Kotak, AU, etc.) due to:
- No credit history
- Incomplete address proof (PG stay, no rent agreement)
- Non-serviceable pin codes
- Some banks (IDFC, Yes Bank, BOB) caused multiple hits due to poor systems or misleading ads
- Declined HDFC Swiggy FYF offer

2025:
- Got approved: Amazon Pay ICICI, Amazon Coral Rupay, Axis Privilege (all LTF)
- 2 ongoing applications with BoB and PNB, seems like again BoB will be rejected due to address issue.


What shall I do now?
- Should I stop applying?
- Will the 31 hits have a permanent effect?
- Can I ask banks to remove hits, specially HDFC?

I feel like I should stop collecting cards 😔

Note - 3/4 hits might get removed as I raised the same with banks due technical/executive call reasons.

@Fini7777 @Strange @Infamous @Quantum @Anindya98 @SSV​

^ Tagging you folks as you guys always helped me....​

​

 

[gg123]

Relax! Credit enquiries are not that impactful on CIBIL score.
Usually banks look at last 6 months enquires. Chill with the applications for a while and you should be good.

 

[Anindya98]

2013

I think it will be 2023

What shall I do now?
- Should I stop applying?

If you have more than 10-12 CIBIL hits in the last 3 months, then you should stop. Ideally, 2-3 per month is okay in the long run.

- Will the 31 hits have a permanent effect?

No, as time goes by, hits will not matter. But it will hamper your current applications, stating high CIBIL Hits as the reason for rejections.

- Can I ask banks to remove hits, specially HDFC?

Yes

 

[mrworldwide]

I think it will be 2023

Yeah bro, edited my bad.

 

[hitirfan]

U can request HDFC to remove hits. Sometimes they agree.