Number of accounts in Cibil when that person hold multiple cards from same bank

[helloworld]

Could someone confirm number of accounts in Cibil when that person hold multiple cards from same bank?

Update -

Standard Charted - 1 account for all cards
ICICI - 3 accounts (1-Amazon, 1-Gemstone Cards, 1-Cobranded)
AXIS - each card 1 account*
SBI - each card 1 account
AMEX - each card 1 account
BOB - each card 1 account
HDFC - each card 1 account
RBL - each card 1 account
INDUSIND - each card 1 account
KOTAK - each card 1 account
IDFC - 2 accounts (1-Core Cards, 1-Cobranded)
HSBC - each card 1 account
CITI - each card 1 account
YES - each card 1 account
AU - each card 1 account

Multiple accounts from same bank means Cibil considers all of them have separate limit. This increases ⬆️ overall limit, decreases ⬇️credit utilization and increases⬆️ potential debt (risk) in Cibil report.

* (in Axis mostly) upgrade is possible only if they have same reward system or through retention team, otherwise its always separate card and/or account in CIBIL

(Note: Original thread (CIBIL Issues) replaced with current topic, just incase if not aware)

Could someone confirm number of accounts reporting in Cibil if you hold multiple cards with them?

TIA.

 

[BhaiyaJi]

What about Yes Bank?

 

[helloworld]

@rahulsethi I saw you hold multiple cards from same bank, so could you help the number of accounts in CIBIL whenever you're available?

 

[zaid_2913]

Yes bank- each card 1 account
Au bank- each card 1 account

 

[helloworld]

Yes bank- each card 1 account
Au bank- each card 1 account

are you holding rupay cards from these banks along with core cards?

any changes in existing list? TIA

 

[zaid_2913]

are you holding rupay cards from these banks along with core cards?

any changeeasa in existing list? TIA

Yes, virtual cards along with core cards. Both have separate account.
For Existing list, IDFC bank virtual card doesn't report new account in CIBIL.

 

[rahulsethi]

@rahulsethi I saw you hold multiple cards from same bank, so could you help the number of accounts in CIBIL whenever you're available?

Every card has its own account even those with shared limits.

 

[BlueFlash]

are you holding rupay cards from these banks along with core cards?

any changes in existing list? TIA

Idfc core cards also share the same account. My Select and Wealth share the same account, just like how ICICI gemstone cards share.

 

[helloworld]

Idfc core cards also share the same account. My Select and Wealth share the same account, just like how ICICI gemstone cards share.

Do people normaly getting multiple core cards or is it some exceptional cases in IDFC?

 

[BlueFlash]

Do people normaly getting multiple core cards or is it some exceptional cases in IDFC?

For core cards, it's exceptional cases only.