Consumer Loan CapFloat Financial Services Pvt Ltd & Karur Vysya Bank Ltd

[vaibhav111]

I just took a fresh Cibil report through cred and found these two Consumer Loans! I feel it is due to EMI i have took on SBI & HDFC but SBI is Responsible For CapFloar Financial while Karur Vysya Bank is from which bank I have no clue, haven't took any loan/EMI From Them, whereas i have EMI from HDFC but it not mentioned in the Experian Report, so i have took three emi on 3 card where hdfc & SBI will end in March ,ICICI emi will end in September 2022 , now issue in in my jan Experian i can See CapFloat but not Karur Vysya bank, didn't take any emi or loan and plus it says opened date 26-02-2022 so can it be lazyapp i did login in to ask lazy app to remove my data? but they didn't replied to my query till now through mail and dm through twitter . any help regarding with Karur Vysya bank will help me why do i have loan from them

 

[itsAdityaS]

I'm sending a email on myloan@capitalfloat.com to deactivate my amazon pay later .will that work ?

Pls ask Amazon CC, they will close it. I did it the same way last year

 

[itsAdityaS]

When I activated APL in March last year, the single entry of capital float was visible in the credit report. I closed the APL account within a month and Capital Float account on cibil was also then closed. But in October, Karur Vyasa Bank's account got added with same loan account as capital float in cibil. I raised dispute with Cibil but didnt work. Its still there as an active loan with zero outstanding.

 

[souvikdey2002]

Below is the reply for closing Amazon Pay Later.
Shall I close it?

 

[prc1990]

Below is the reply for closing Amazon Pay Later.
Shall I close it?

Yes without any second thought.

 

[AllSeeker]

Below is the reply for closing Amazon Pay Later.
Shall I close it?

You should, its useful if you have no other credit card, but these pay later things are bad for CIBIL. Amazon is still relatively respectable, I've terrible opinion on paytm, flipkart and similar other options

 

[souvikdey2002]

Thanks for all your opinion.
Let me reply them.

 

[prc1990]

You should, its useful if you have no other credit card, but these pay later things are bad for CIBIL. Amazon is still relatively respectable, I've terrible opinion on paytm, flipkart and similar other options

Try Dhani once and you will never get disappointed 🤪🤪🤪.

 

[AllSeeker]

Try Dhani once and you will never get disappointed 🤪🤪🤪.

That's straight up fraud. I don't know why they are not yet shut down.

 

[souvikdey2002]

Try Dhani once and you will never get disappointed 🤪🤪🤪.

Even if I have to surrender all my credit cards & run on debit cards then also I'll not take Dhani.
By the way, have you tried Dhani?

 

[prc1990]

Even if I have to surrender all my credit cards & run on debit cards then also I'll not take Dhani.
By the way, have you tried Dhani?

Don't have that courage yet 😜.

 

[prc1990]

What's with Dhani?

Jo apke dhan (paisa) leke khud dhani (rich) ban jaye 🥲

 

[vaibhav111]

it almost done! when should i check for credit report again i feel like after 3 month only cause bob card would be added or rejected and someone mentioned i take 3 month for karur bank for it consumer loan to be removed from your credit report

 

[prc1990]

it almost done! when should i check for credit report again i feel like after 3 month only cause bob card would be added or rejected and someone mentioned i take 3 month for karur bank for it consumer loan to be removed from your credit report

Just got a fresh report from CRIF and CF is now reported as closed however, as others were mentoining KVB is still alive. Will wait for another 3 months (as someone told in this thread) and see.

 

[souvikdey2002]

You should, its useful if you have no other credit card, but these pay later things are bad for CIBIL. Amazon is still relatively respectable, I've terrible opinion on paytm, flipkart and similar other options

Received this one today.

 

[vaibhav111]

Just got a fresh report from CRIF and CF is now reported as closed however, as others were mentoining KVB is still alive. Will wait for another 3 months (as someone told in this thread) and see.

ok thanks for the info will check in 4-6 month then cause in amazon app, it show blocked on APL.

 

[souvikdey2002]

ok thanks for the info will check in 4-6 month then cause in amazon app, it show blocked on APL.

Got this today along with NOC, hope it will be fine within 45 days.

 

[prc1990]

Got this today along with NOC, hope it will be fine within 45 days.

CF will be reported as closed first, followed by KVB.

 

[vaibhav111]

Got this today along with NOC, hope it will be fine within 45 days.

oh nice , can you share what exactly you asked in your email so i can email them the exact thing

 

[prc1990]

CF email: myloan@capitalfloat.com
Sample email attached. You don't need to reach out to KVB separately. Closure from CF end will automatically take care of the closure with KVB as well.

Hope this helps!

@vaibhav111 please see sample here.

 

[AllSeeker]

Have mailed flipkart (IDFC), amazon pay later (capital float) and tata new to close their pay laters and emi card.

Have received response from all of them.