CIBIL Discount Offer

[diptarkaroy]

Hello,

I’m looking for CIBIL subscription discount offer code for 6 or 12 month plan if anything is available.

Can I get any coupon code please?

 

[Umang85]

try this : 4746E54

This looks more like a referal code than a discount one.

 

[Trump]

This looks more like a referal code than a discount one.

This is not a referral code as well.

 

[Umang85]

This is not a referral code as well.

Okay, my bad then. Because when I clicked on referrals in my account it showed up with similar alpha numeric. Sorry.

 

[Trump]

Okay, my bad then. Because when I clicked on referrals in my account it showed up with similar alpha numeric. Sorry.

Therefore your referrals ain't discounting us anything. Plus referrals are only valid for first time users afaik.

 

[shreyansh_jain]

SPECIAL 20 for 20% discount

bestt ! 🔥

 

[yieldway17]

SPECIAL 20 for 20% discount

Thanks, still works. Tried without space as SPECIAL20. Renewed for 960rs.

 

[sumit_yadav]

Can we use SBI Cashback for 5% additional discount?

 

[NShah]

Can we use SBI Cashback for 5% additional discount?

Y e s

 

[sumit_yadav]

Y e s

The transaction settled and I did not get the 5% cashback. Probably SBI considers CIBIL under the Govt spends category?

 

[Deleted member 43492]

Okay , my score is back to 802 this month ... as expected ...with <=0 Utilization ...

For those interseted in ......and following me and my score ....

View attachment 52442

Are those 32 enquries for lifetime or just last 1 year

 

[SSV]

Are those 32 enquries for lifetime or just last 1 year

life time . .

 

[Deleted member 43492]

life time . .

Man. you are using credit card for 20 years and had only 32 enquiries. I am just 1.5 years old and already has 20 enquiries. That is really some good self control.

What's the count now ? still 32?

 

[SSV]

I only have 6.3 years of Indian CC experience .. before I was in Australia..

I got only 2 enquiries until I joined this community ie. until May 2023..

My latest details:

 

[Anindya98]

I only have 6.3 years of Indian CC experience .. before I was in Australia..

I got only 2 enquiries until I joined this community ie. until May 2023..

My latest details:

View attachment 78738

Can you share the trend when you finally reach 800? Mine is hovering around 780 for the last 6 months.

 

[Deleted member 43492]

I only have 6.3 years of Indian CC experience .. before I was in Australia..

I got only 2 enquiries until I joined this community ie. until May 2023..

You too became victim of applying impulsively. 😀

One question does higher number of enquiries matter in a long run?

 

[SSV]

Can you share the trend when you finally reach 800? Mine is hovering around 780 for the last 6 months.

how old is your CIBIL profile ?

 

[Anindya98]

how old is your CIBIL profile ?

3 Years 6 months with 15 Active Credit Cards & 2 BNPL and I have 2 Active EMIs. No Late payment.

 

[SSV]

3 Years 6 months with 15 Active Credit Cards & 2 BNPL and I have 2 Active EMIs. No Late payment.

once you cross 5 years age and maintain 0 or -ve balance in each and every account then you will definitely reach to a score of about 795 to 800.. until then you wont reach 800 without Home Loan.

 

[rajcasio]

 

[SSV]

One question does higher number of enquiries matter in a long run?

no not at all .. the significance of no of enquiries lasst only for the recent past ie. say in the last 3 months, 6 months or 1 year.. after that it loses its signficance ...

see my CIBIL thread for details..

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 588
• Forum: Informative Threads

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