What is a decent number of credit enquiries

[ank_sh1]

Hi there,
I am looking for a number of credit inquiries which is good or not bad for cibil score. I personally have 41 hard enquiries in the last 2 years, and I am not sure if it's way too high or okay or good. I see here many people holding numbers of credit cards and I don't think that would be possible without numbers of hard enquiries.

What is the ideal number of enquiries to have in a month or quarter a year or 3 years?

Thanks,

 

[NShah]

wow that's brutal 😂, I don't think anyone would have that less enquiry.

S S V have arround 13 inquires last 3 year
Iam right here ? @S S V

 

[NShah]

@D₹V Millenia dc ka cashback aaya?

 

[SSV]

S S V have arround 13 inquiry last 3 year
Iam right here ? @S S V

Yes, that has been increased to 16 because of recent acquisitions IDFC wealth, IndusInd Legend and Au LIT rejection

 

[aayusharyan]

Au LIT rejection

Any reason you went for AU LIT and not Swipe up?

 

[SSV]

Yes, that has been increased to 16 because of recent acquisitions IDFC wealth, IndusInd Legend and Au LIT rejection

All these 16 in the last 15 months only..
14 in the last 6 months because of side effect of TF community

 

[SSV]

Any reason you went for AU LIT and not Swipe up?

Only interested in LIT card for its DIY feature..

 

[aayusharyan]

Only interested in LIT card for its DIY feature..

Just saw their Product Page.

India's 1st customisable Credit Card​

Hahaha, such false marketing. I hold RBL Younique which was launched years ago. I think that was the first customisable Card. (Correct me if I'm wrong).

 

[SSV]

Just saw their Product Page.


Hahaha, such false marketing. I hold RBL Younique which was launched years ago. I think that was the first customisable Card. (Correct me if I'm wrong).

Don’t know about RBL cards.. Actually into Indian CC market actively in the last 15 months only

 

[aayusharyan]

Don’t know about RBL cards.. Actually into Indian CC market actively in the last 15 months only

Yeah, that product was launched like 3 years ago. I think that is not available anymore. But now we have other players like LIT or Yes BYOC. (But definitely not first, lol).
I really wish to call out their false marketing but don't know how. 🙈

 

[SSV]

Yeah, that product was launched like 3 years ago. I think that is not available anymore. But now we have other players like LIT or Yes BYOC. (But definitely not first, lol).
I really wish to call out their false marketing but don't know how. 🙈

Leave it poor guys, they are only small fish

 

[D₹V]

@D₹V Millenia dc ka cashback aaya?

Nahi yaar 🫢😭 usi ka to ronaa hai

 

[DaDarkkNight]

Any reason you went for AU LIT and not Swipe up?

Au only has two good cc - lit and zenith. Lit is little underrated and can be used to generate>5% returns on regular offline spends of approx.10k per month. So it gives even the best of the cards a run

 

[Akashn]

@D₹V Millenia dc ka cashback aaya?

Nahi aya. Teko?

 

[D₹V]

Nahi aya. Teko?

No no no

 

[varun__goel_]

No no no

Aur kuch logo ka 18 ko hi credit hogya🙄
Kya bigaada hmne hdfc ka jo is mhine salary nhi di🙂🤣

 

[D₹V]

Aur kuch logo ka 18 ko hi credit hogya🙄
Kya bigaada hmne hdfc ka jo is mhine salary nhi di🙂🤣

Pata nahi. Mera last redeem pichle mahine ka hi hai.

Iss mahine nahi aaya kuch.

 

[NShah]

Nahi aya. Teko?

Nahi aaya 🥲

 

[D₹V]

Nahi aaya 🥲

Itna tension mat lo.

90 working days from month end hota hai to 4th mahine me bhi aa sakta.

 

[NShah]

Itna tension mat lo.

90 working days from month end hota hai to 4th mahine me bhi aa sakta.

Last 6 months mein extra credit hua tha 2 times wo to nahi wasool kar raha hdfc bank

 

[D₹V]

Last 6 months mein extra credit hua tha 2 times wo to nahi wasool kar raha hdfc bank

Mujhe to nahi hua extra credit 😳