Really dont understand anymore how CIBIL scores work!

[LordPSN]

We always say that keep utilization below 30% to not drastically reduce your CIBIL score.
My utilization is 3-4% normally and usually score lies at 792.
But a jump to 5% utilization and score drops to 784.
I really cannot fathom whats going on!

 

[PavanPavan is verified member.]

If my utilisation is 1 to 2% no matter on the number of enquiries my score is intact a slight increase to 2.1 drops my score around 5 points

 

[saucy]

Who knows maybe it's just a fake credit card selling AND moderation ki ninja technique

 

[Rocky Bhai]

Who knows maybe it's just a fake credit card selling AND moderation ki ninja technique

Sahi kaha even with 700 cibil and 4 enquiries in previous month my friend got approved for sbi cashback card 😂

 

[alok416]

And here...with 770 cibil score .. And 10 credit cards including Sbi credit card...

They rejected Sbi cashback 3 times for me 🤣🤣

Sahi kaha even with 700 cibil and 4 enquiries in previous month my friend got approved for sbi cashback card 😂