cibil

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all. Here’s my situation: Took a car loan last year, have been paying all EMIs on time without a single miss. Credit card usage always kept below 30% of...

Hello Fellas, Need some guidance for RBL CC issuance delay. Sharing my recent RBL Bank ShopRite credit card experience for community insights: 23 June 2025: Applied for RBL ShopRite card online and completed Video KYC. 23 June 2025: First hard CIBIL enquiry made. 6 July 2025: Escalated to RBL...

Hi TF folks, Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals. I applied for this card recently on behalf of a friend with: CIBIL score: 777 Monthly income: ₹1.6 lakh (salaried) 2+ years credit age, holding credit cards with decent limits Still, it...

I have multiple ICICI cards (Coral, Sapphiro, and Amazon Pay). In CIBIL, two accounts are shown. I receive two statements - one combined statement for Coral and Sapphiro, and another separate statement for Amazon Pay. Coral is my first credit card and it is paid, can I cancel it and keep only...

Hi, I recently got SBI PhonePe card with limit of 1.29L. I want to apply a SBI core credit card. On sbi netbanking and yono app, some cards are preapproved for me. My question is if I apply via pre-approved offer on net banking or yono app, will there be any cibil inquiry as I already crossed 29...

We see today how many banks just issue us a credit on the same shared limit with another card we have of them. THEY DON'T SANCTION ANOTHER LIMIT. Then why do they show as two separate entries in cibil making us overleveraged? This doesn't make sense. Afaik RBI also doesn't have any guideline...

Today I noticed something interesting with CIBIL score. I have CIBIL subscription and it shows my score on app as 801. I was exploring a few options for Home loan & went to Bank of India for inquiry. They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

I was a holder of the Axis Bank Neo Credit Card I successfully upgraded this card to an Axis Bank Visa Credit Card previously The annual fee for the old Neo card, which was charged, was correctly reversed as part of the upgrade process, as visible on the final statement for that account.and in...

Hi CC Experts, Need your help to understand one situation. I raised a concern to CIBIL about less CIBIL score later I have come to know one issue about my report in the official mail reply. CIBIL team stated that the SBI card which I have closed in the year 2018 reported until 2024 which lead to...

I have cibil lower than 700 due to a theft in 2011 (FIR available). and a high income. only Bob and icici gave me a card in last 4 years after submitting FIR and salary slips. Tried Amez and hdfc but no luck. are there any other banks who can provide card on c2c basis. no missed payment in last...

Hello folks. Yesterday I applied SBI simplyclick card from sbi bank website. As I have closed my sbi card recently so wasn't able to apply on sprint. On SBI website I filled all the details and lastly clicked on get instant decision. I got msg "thank you for applying. Our representatives will...

My Younger Brother has a Single Name, Vikas, in All His government IDs. Now I want to Check His CIBIL score in Gpay, but Showing Me This Error. Because both fields are mandatory. Now, What Should I Enter To Fetch His CIBIL score without a Name Mismatch Error?

Hi, I have a credit card with Axis Bank which had a due of ₹0.9 last month. I tried paying the same through 3rd party apps like navi, cred, innopay but it declined payment stating that "the bank doesn't accept payment less than ₹1". So, I tried paying ₹1 but it was also declined stating that...

Hi everyone, Need some expert insights here. My brother applied for the Federal Bank Scapia Credit Card today 25.7.2025, via a friend’s referral link (there’s an ongoing offer – 5 referrals can win an Apple Smartwatch). Details: CIBIL Score: 765 (decent score) Already holding One Card...

Hi everyone, I recently checked my CIBIL report and found a DPD (Days Past Due) of 11 days from one of my accounts. I did miss the payment slightly but cleared it after 11 days. Now, I’m considering taking Paisabazaar Credit+ subscription to see if they can help fix or remove this DPD entry...

My friend just refreshed his credit score on One Score, Amazon and Cibil website. Score on Cibil website is 778 and on Amazon and One score it is 769. Which one should be considered accurate? I wonder what score will a bank get if he applies a credit card today and they make a hard enquiry...

I wanted to share an ongoing issue that might resonate with others facing similar challenges. A loan account that was closed approximately 6 years, 9 months, and 17 days ago is still being reported as active on my CIBIL credit report by a local bank. This outdated and incorrect reporting has...

On 8th July I requested CLI from axis chat support—uploaded salary slip and got service request number whose expected resolution date is 15th July. On 10th My CIBIL got hit by axis but till yet I have not received any limit enhancement and the service request is open? Will I get limit increase...

Hello Everyone, I have 2 unauthorized cibil queries in my report 1st from "SBI Bank" and 2nd from "Central Bank Of India". Can someone share the email ids for both banks where I can raise the request to remove it? Regards, Sagar