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I asked some questions to CIBIL, CRIF, Experian and Equifax regarding some queries of mine. I received the reply from Equifax. Reply from others has not been received yet. Once I receive that, I'll update the same.

I'm having hard time deciding which one is best between SBI SimplySAVE CC and Axis Flipkart CC and that is specifically for Offline spends. I know that Axis Flipkart offers 1.5% cashback on offline spends. On the other hand SBI SimplySAVE offers 1.67% on offline spends. (10 RPs on 150 purchase...

Since most of us are avid readers of this community and do readings in the night after work. I think it would be a good idea to have the option of switching on the dark mode. Wouldn't you agree?

Don't know why but there are ton of meme on. Credit cards getting decline than any other topics related to credit card and debit cards. These are the some I came across Enjoy

I'm thinking of giving an add on CC to my parents,but I have following questions regarding this ordeal - 1. Will the bill for this add on card generate seperately? 2. Since I'm responsible for the bill payments of this card, on whose CIBIL report, mine or my parent's, will it be show? 3. Does it...

This new UI of One Score is dumb as F*! It clubs my Amazon Pay Later accounts from Capfloat and KVB into one! (Probably because they have same account number😂). I am able to access either one of them through CIBIL or Experian! Funny thing is that, customer support says that I should get it...

Indians (in general) don't value their personal data! That's it! How many times, has it been that we throw our most private data like PAN, Aadhar and credit card numbers on any sites that offers us "rewards" for silliest stuffs? If you are regular readers on this community, you will find...

Has anyone tried using one card fd credit card on the AU swipe up portal?

Please share your experience with Axis Ace CC approval. 1.What is the Minimum ITR? 2.Is serviceable area a thing for this CC? (I Have home address and current address distance upto 440 KM) 3. Minimum how many months of salary slip is required? 4. Do they give preference to first time CC...

I have seen multiple stalls of SBI cards agents and they promise that card will get approved. Is it a good idea to apply for SBI CC through an agent? Can agent get your cards approved faster compared to applying through other channels? What is your experience with SBI credit card agents?

Does BOB gives pre approved credit card offers to its existing customers? If you are existing customers does this this improves your chances of approvals?

I have a 1 day late payment on my credit report in Feb 2022. It was wrongly marked by PNB. I am trying to get it removed but it is not yet removed. I have on-time payment ratio of 38/39 with 4.5+ years of credit history. But I'm thinking that what happens if they don't remove it? Will it affect...

I am seeing this when I open my Paytm app. After clicking on it they are showing that to proceed with Credit card application. Does it mean that I am pre-approved or pre-qualified for this card? I do remember that I had expressed my interest in their cards. I had clicked on the "credit cards"...

Does anyone here have any idea of how long closed loan accounts and closed credit card account remains on one's credit report? Is there any criteria for removing closed accounts that were in good standing that is all payments are made on time and those closed accounts whose payments were not...

Most of my spends are on rent, groceries, utilities and fuel in the decreasing order order totalling to ₹20k to ₹30k a month. I have a good credit history of 5 years and only one secured credit card. I have found that HDFC Bharat is one but the there is a reward capping of ₹150 only. Can you...

Share your credit score along with number of years since your first account opened (doesn't matter if it is closed currently) Update March 2023 CIBIL - 738 Experian - 802 Equifax - 702 CRIF - 560 Credit History - 1.75 Years

I'm thinking applying for basic card to move up the ladder. And upon reading some threads here, I came to know that Platinum is THE MOST BASIC card. Do suggest if there are any other cards than this one. 1. How do you suggest I move forward, if I chose to get unsecured ICICI Platinum credit...