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cibil

  1. A

    Apply for BPCL octane for a salaried user without any cibil score

    I want to apply bpcl octane for my father..(he has salary of 20LPA) he have salary account in SBI doesn't have netbanking in his salary account..(which i may open just for applying the card) *he doesn't have cibil score* (never took any credit cards before)..totally deals on cash what are the...
  2. W

    Axis keeps messing with my CIBIL

    Here's the timeline of my relationship with Axis bank and the issues with it: 24/08/2024: Got Flipkart Axis CC approved 21/03/2025: Got pre-approved Axis Neo CC 22/03/2025: Closed Axis Neo CC (they told me Neo is the only LTF CC for me but there was an offer for Privilege LTF going on too and...
  3. A

    Want to know list of banks which reports addon cards to CIBIL?

    Hi All, Please share the list of bank details which reports addon card details to CIBIL based on your personal experience. Let's turn this thread as one stop point to get the list of banks which reports addon cards to CIBIL. I used to have CITI bank credit card and applied addon card on my wife...
  4. K

    No CIBIL Report refresh Option

    I have valid CIBIL Subscription and its working smoothly till 20th June 2025 but after that there are no refresh option available there. Usually CIBIL provide score refresh after 24hrs of last refresh. I contacted customer care through contact us but no satisfactory answer received..
  5. T

    Poor CIBIL Score due to Defaults costs SBI employment

    CIBIL is becoming mainstream and being used for employment background check. Horrible... https://www.financialexpress.com/india-news/poor-cibil-report-valid-reason-to-deny-bank-job-madras-hc-backs-sbis-move/3894468/ While SBI argument seems to have merit, there is absolutely no control over...
  6. W

    CIBIL report not showing enquiries amount

    Hi. I have bunch of enquiries this quarter and wanted to know the amount for each enquiry. Even with paid plan on CIBIL I can't see any amount for enquiries in CIBIL report. There's some information in alerts but I want to know all current enquiries with exact amount they were made for. Any...
  7. S

    Will ICICi report a 10 Rs outstanding as late payment to CIBIL / Credit Bureaus?

    I got an ICICI card last month and spent only 10rs to activate the card. My due date for that statement was on 20th June. But I guess I completely forgot about that spend. Today on 26th June I remembered and immediately cleared the bill. I have multiple other cards which are my primary cards...
  8. itsme.sumit

    I rekted my cibil score accidently

    So i hold multiple hdfc credit card which all as a merged limit of 93k and i utilised almost all of it in april 2025 from hdfc moneyback plus and swiggy hdfc in 70-30% ratio. But at that same month i used my tata neu hdfc cc in dreamfolks for offer checking purpose as i was returning from delhi...
  9. y2k

    Should I close my oldest CC HDFC Times Platinum with 12L+limit?

    I need advice specific to my scenario. Been stressing over it for many days now. My oldest credit card (from 2016), HDFC Times Platinum (Mastercard) is also my first and only HDFC credit card. I can't seem to get any core HDFC card due to it. Reading into forums here and elsewhere I have...
  10. R

    No cibil score so wanted to know what to do for cibil score

    Give suggestions about fd cc or anything can be done . Salaried person. Salary 50k .Hdfc bank salary account. Cibil score not have.
  11. S

    Why kotak app still shows i have a credit card with them even if i have closed it 4 years back

    Hi, I had applied for a Kotak credit card through the bank agent a few years ago. Although the application was declined, the card was still delivered to me. I had never activated it. Years later, before the RBI ban was imposed, I tried applying for a new card. However, my application was...
  12. P

    Debt consolidation service

    Hello all, does anyone have experience with debt consolidation service? I'm in huge debt and have 7-8 different personal loans and credit card dues, now not able to pay EMIs, Credit score is coming down due to last EMI overdue, is there any bank, company which provides Debt consolidation with...
  13. Jaded

    ICICI Credit Card ICICI Sapphiro card not reported to CIBIL for over 4 years

    So, my brother has got an LTF Sapphiro card over four years ago, thanks to the FD's my family used to keep in his account to save tax. He has never used it, or maybe just used it once or twice in all these years. The card is reflecting in iMobile with a decent limit of 6L. He's going to be...
  14. mohitkamboj007

    SBI Reported Late Payment in CIBIL for ₹12.82 Penal Charge Despite Active Auto-Debit Setup

    Hi Technofino Community, I need some urgent help and advice on an issue I'm facing with SBI. I have a personal loan with SBI and an active auto-debit setup linked to my SBI salary account. My EMI of ₹19,499 is deducted automatically every month, and I haven’t missed a single payment in the...
  15. itssuhan

    Amazon ICICI Credit Card First Report Dropped My CIBIL Score

    Hey guys, This is my first time using a credit card and I’m a bit confused and hoping someone here can help me make sense of this. I got my Apay ICICI credit card on April 4th with a credit limit of ₹1.2L. So far I have noticed that ICICI usually reports to the credit bureau every 1.5 months...
  16. N

    CIBIL score and EMI

    My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...
  17. S

    CIBIL compensation query

    Hi, I raised a dispute on CIBIL portal for CIBIL enquiry removal of AMEX and Tata Capital under one Dispute ID. Both query got resolved in 62 days and 63 days for AMEX and TCL respectively. CIBIL compensated me 3300 INR for both delays (instead of 6500 INR) and upon raising complaint...
  18. maynigam

    CIBIL shows my wife's credit card queries

    Hey guys I have been noticing a strange thing, my CIBIL score shows credit enquiries every time my wife applies for a credit card. Also, I applied for a loan and they did hard enquiries for myself and my wife but my report is showing 2 hard enquiries! My wife forgot to pay an Amex bill and...
  19. Shroud

    HDFC marked late payment for EMI that was paid on time

    I recently refreshed my CIBIL score from Cred app and saw that my score fell 70 points…. Upon checking further, it seems HDFC reported a delayed payment for my Car loan EMI that was infact paid on time…. The ECS mandate was executed as usual from my bank account and no manual payment was...
  20. adhirgggg

    Does upgrading an Axis Bank Credit card create a new account in CIBIL?

    I have Axis Myzone LTF card, now I am getting an offer to upgrade to Axis Neo Rupay LTF card. It shows that the old card will be active as well. So my question is if I take the Neo card, will it create a separate credit account in my CIBIL report?
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