34 Enquiries in CIBIL for 6 cards.Does it impact my Credit profile ?

[mrworldwide]

31 CIBIL Hits | 6 LTF Cards | CIBIL Score: 780
Hey Fam!
Sharing my CC journey so far...

2023:
- 6 CIBIL hits from HDFC (checking offers for LTF & non-salaried, not aware hits were being made)

2024:
- 2 more hits from HDFC for same reason
- 1st credit card approved: Regalia Gold (after 6 months of salary)
- Multiple CC rejections (ICICI, Kotak, AU, etc.) due to:
- No credit history
- Incomplete address proof (PG stay, no rent agreement)
- Non-serviceable pin codes
- Some banks (IDFC, Yes Bank, BOB) caused multiple hits due to poor systems or misleading ads
- Declined HDFC Swiggy FYF offer

2025:
- Got approved: Amazon Pay ICICI, Amazon Coral Rupay, Axis Privilege (all LTF)
- 2 ongoing applications with BoB and PNB, seems like again BoB will be rejected due to address issue.


What shall I do now?
- Should I stop applying?
- Will the 31 hits have a permanent effect?
- Can I ask banks to remove hits, specially HDFC?

I feel like I should stop collecting cards 😔

Note - 3/4 hits might get removed as I raised the same with banks due technical/executive call reasons.

@Fini7777 @Strange @Infamous @Quantum @Anindya98 @SSV​

^ Tagging you folks as you guys always helped me....​

​

 

[cardy]

31 CIBIL Hits | 6 LTF Cards | CIBIL Score: 780
Hey Fam!
Sharing my CC journey so far...

2023:
- 6 CIBIL hits from HDFC (checking offers for LTF & non-salaried, not aware hits were being made)

2024:
- 2 more hits from HDFC for same reason
- 1st credit card approved: Regalia Gold (after 6 months of salary)
- Multiple CC rejections (ICICI, Kotak, AU, etc.) due to:
- No credit history
- Incomplete address proof (PG stay, no rent agreement)
- Non-serviceable pin codes
- Some banks (IDFC, Yes Bank, BOB) caused multiple hits due to poor systems or misleading ads
- Declined HDFC Swiggy FYF offer

2025:
- Got approved: Amazon Pay ICICI, Amazon Coral Rupay, Axis Privilege (all LTF)
- 2 ongoing applications with BoB and PNB, seems like again BoB will be rejected due to address issue.


What shall I do now?
- Should I stop applying?
- Will the 31 hits have a permanent effect?
- Can I ask banks to remove hits, specially HDFC?

I feel like I should stop collecting cards 😔

Note - 3/4 hits might get removed as I raised the same with banks due technical/executive call reasons.

@Fini7777 @Strange @Infamous @Quantum @Anindya98 @SSV​

^ Tagging you folks as you guys always helped me....​

​

Stop applying any credit for atleast 6 months, preferably 1year. Spend with your existing cards, increase their limits, then only after that apply. You will get better cards and better limits.

Every now and then bank will offer LTF cards, don't fall for it. After one year all the Best cards may become worthless and a dozen new best cards may be introduced.

So keep calm, and catch big.
Best of luck

 

[Anindya98]

Application has been Rejected by Sanctioning Authority-MORE THAN 10 CIBIL INQUIRIES IN LAST 3 MONTHS

Follow @cardy's steps. It's a well-written suggestion, and I agree that a minimum gap of 8–10 months is needed.