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....​

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[Boy 07]

that is the way, u have to try till 30 days and then complaint Ombudsman.

2 complaints are still pending from 4 months one is against federal bank and second unity small finannce bank .RBI is very slow and other BANK take advantage of his slowness

 

[ontherocks]

I got the reply from nodel officer
Please explain this
And what to write them
I got the response from Sbi Nodel officer
Please explain what is this and what to do now ?

Many times, they just type something to shut up the customer. I have received different nonsense reasons for a single issue from different HDFC email ids that I had written to in parallel.
If you have lost faith in RBI BO, you can try https://e-jagriti.gov.in/