I got to know that if we are about to take home loan, we can visit different banks in span of 14 days and all hard enquiries made by all banks will be considered as one and cibil score will be effected by single hard enquiry. Does the same apply with credit card applications as well? I'm about to apply for Axis, BOB, IDFC credit cards. Can I apply for all on same day so that the multiple hard enquiries effect on cibil might be reduced?
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Multiple hard enquiries on same day
- Thread starter mvsaikrishna666
- Start date
no.. cc every request is separate.. will show as different and will impact score.. dont apply for. many
Manoj Pant
TF Premier
Yesterday 2 hard enquiries have done after applying back to back credit cards in same day, but no drop in CIBIL score.
Yes. Mine dropped by 12 in a month because of axis. They did two enquiry for the same card.wait for it..
Manoj Pant
TF Premier
ohhh....what is the current status of your BOB cc application? I applied BOB easy cc no idea whether it is LTF or not...vkyc done..will they further do home & office verification? I also have saving account with them.
Manoj Pant
TF Premier
Last month there was 3 enquiries...2 from Axis & 1 from ICICI in my CIBIL....but surprisingly CIBIL score increased by 3 points.
Can happen
Nowadays i don't look at my CIBIL score
As it would hover around 780-790
Patil007
TF Ace
If you have account then higher chances of approval.
After vkyc they mostly do home verification for non account holder.
Last time due to no current address proof they rejected my application.
It is under process now, hope they will approve it.
Patil007
TF Ace
Post you get card, mail them for confirmation.
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