Closing new cc

[pra1968]

Dear Alls
I get FYF RBL BAJAJ fin cc in visa varient but the caller promised me RUPAY variant.
Now, I want SUGGESTIONS from this August house,if I close it does my cibil hit?

 

[vaibhav111vaibhav111 is verified member.]

Dear Alls
I get FYF RBL BAJAJ fin cc in visa varient but the caller promised me RUPAY variant.
Now, I want SUGGESTIONS from this August house,if I close it does my cibil hit?

if you didn't activated this cc! then you can forget and ignore all messages for activation.

 

[SSV]

,if I close it does my cibil hit?

Normally NO..
but depends up on how many other credit products you have and for how long..

 

[vaibhav111vaibhav111 is verified member.]

Now, I want SUGGESTIONS from this August house,if I close it does my cibil hit?

not sure what you mean! cibil hit is done you can't go back in time.

 

[Quantum]

If this is your only card and already reported to CIBIL, then CIBIL score may go down if you close it.
If you have other cards older than this one, that are getting reported to CIBIL, then the score would not decrease.
You can try their score simulator as well.
If new card is not reported yet to CIBIL, then no worries.
On the variant front, you could still ask them to change the card network. They can't deny if the same card is available with other network as well.

 

[SSV]

not sure what you mean! cibil hit is done you can't go back in time.

He is asking if there will be any impact on cibil score, if he closes his brand new cc

 

[vaibhav111vaibhav111 is verified member.]

He is asking if there will be any impact on cibil score, if he closes his brand new cc

ok since i have already answered for unactivated cc for activated cc use for 10-11 month then ask for closure if offered LTF then keep it and for Rupay Variant isn't worthy of having so either on the network card is just "meh". so not sure why to took this cc in the first place.

 

[pra1968]

if you didn't activated this cc! then you can forget and ignore all messages for activation.

Normally NO..
but depends up on how many other credit products you have and for how long..

I have 3 more cards with 4.6yrs history.

 

[pra1968]

If this is your only card and already reported to CIBIL, then CIBIL score may go down if you close it.
If you have other cards older than this one, that are getting reported to CIBIL, then the score would not decrease.
You can try their score simulator as well.
If new card is not reported yet to CIBIL, then no worries.
On the variant front, you could still ask them to change the card network. They can't deny if the same card is available with other network as well.

I have 3 cc with 4.6 yrs history.
I think Score simulator is for subscribers only....?
I call there customer care....
They don't have rupay varient currently.

 

[SSV]

I have 3 more cards with 4.6yrs history.

dont worry then .. you can close this card if you want to..
no / very minimal impact, if any, on cibil score

 

[CardGame]

I have 3 cc with 4.6 yrs history.
I think Score simulator is for subscribers only....?
I call there customer care....
They don't have rupay varient currently.

Score simulator is a joke. With 3 other cc's your score won't be affected so do not worry

 

[Quantum]

promised me RUPAY variant.

They don't have rupay varient currently.

In your very first post, you said they promised Rupay variant. In the next post, you said they don't have currently...

If you don't want this card, don't activate it. The score will not be affected upon closing.

I think Score simulator is for subscribers only....?

Yes. You could try it via Gpay too.

 

[pra1968]

In your very first post, you said they promised Rupay variant. In the next post, you said they don't have currently...

If you don't want this card, don't activate it. The score will not be affected upon closing.

Yes. You could try it via Gpay too.

The sales girl promised me RUPAY varient as I am not interested in VISA.
later the customer care lady disclose this that they don't have RUPAY variant currently!
Before this I also get axis bank cc,which they promised LTF but landed with fee!
So then I didn't activate it and after a period my CIBIL nosedive by some 50pts🙄🤦