BOB ETERNA - CIBIL Enquiry Impact

[chdguy1980]

I intend to apply for BOB Eterna Card. I understand that BOB does a CIBIL enquiry of 50,000. How much could it impact the CIBIL score?

My CIBIL history:

• 799 in May-2022 (2 open credit cards - ICICI Sapphiro and IDFC Millenia, 2 old closed accounts - CC and personal loan).
• 805 in mid of June-2022
• 788 as of now (drop by 17 points, changes from previous CIBIL were - one Rs 100 AU bank enquiry, two new credit cards reported - ICICI Amazon Pay and Axis FK which I got earlier this year, but were reported in CIBIL now).

All payments on time, no defaults, credit utilization very low.

Now if I apply for BoB Eterna - how much could be the negative impact on CIBIL score due to the BOB Enquiry?

 

[Gautham]

If you are eligible for Eterna, just apply. Don't think about these things. I have got rejected many times when my credit score was 890 and almost got 10+ approvals with score of 810.

 

[Gautham]

What score?

Experian