My CIBIL score is 884, having 2 credit cards

That's almost perfect. Just shy of the 900 by 16 points.

Software Engineer

Wow. That's an awesome score! I just to confirm, this score is with CIBIL right? Because I have 842 with experian, 820 with CRIF. But only 787 with CIBIL. 

How long have you had your credit cards?

736. 2 Buy Now Pay Later loans. 2 active credit cards. 2 closed/settled credit cards.

I hope to keep using the two active cards in good standing for at least the next two years before I consider getting a Home Loan (cause I need one), n I sure won’t be getting one right now.

I hope you haven't closed the oldest credit card of yours.

I had to close my oldest cc. Got it when I was young, stupid and irresponsible. 

No choice about it, but to settle.

I wish to start anew, and I realise it’s an uphill battle with discipline n perseverance.

Customer Service

I feel BNPL eats up the score, better to have it closed

DevOps Engineer

Product Head

Product Manager

Score 797
Current due in cibil 11.5k
Number of card 11
Number of loan 1 (pay later)

Consultant

Video Game Developer

What is your CIBIL Score and how many lines of credit due you have open currently? (loans + credit cards).  My score is 787. With 5 active credit cards.

Welcome to Personal Finance's Private Community

What is your CIBIL Score and how many lines of credit due you have open currently? (loans + credit cards).

My score is 787. With 5 active credit cards.

Your CIBIL scores

Your CIBIL scores- Grapevine

In this month alone i got 3 new credit cards. 
Yes bank approached me saying there’s a pre-approved credit card, which will be the fourth one.

This will be the fourth enquiry on my CIBIL this month, but none of them got rejected. Current score is 770+ and  age of credit is almost 3y

My understanding is having more credit limit will help keep Credit Card Usage index below 20-30%. 
Is this correct?

Does having too many credit cards affect CIBIL score?

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself.

1. Working in consumer finance.
2. Love personal finance and helping people out with it.
3. Have published 10,000+ pieces of financial content in the mainstream media.
4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 
5. Lately been appearing on TV regularly for personal finance discussions.
6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned.
7. My unrealised aspiration is travel and I'm working on it now.

No, I'm not selling anything. No commissions, no referral links, no finfluencing. 

Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :)

Ask me anything.

Let's talk money habits.

Corporate Strategist

I hit 803 Credit Score. 
Key learning:
1. Utilizes 5 - 10% of credit limit. 
2. Never missed any bill payment and paid on fixed dates 1 - 3 of every month. 
3. No active loan, privious loan payments are on time. 
4. Make a increase in credit limit 2 times in a duration of 2 years

803 Credit Score

How legit is the CIBIL score because I can clearly see it’s not up to date even in the latest report by GPay and credit card utilisation is lower than the current balance ( good for me lol) but I’m also worried this wrong info gets reported to banks. 

Anyways to check more precise scores for free? Or  do I raise a complaint with CIBIL.

CIBIL Score

Woke up to mail that CIBIL score was updated 
I have not applied to any credit products in this year

How can I check who requested this?
Could this be a loan scam on my name?

CIBIL Score accessed by someone, how to check

I took shit tons of buy now pay later during my college days and couldn't really pay on time, now  my credit score dropped to 540, how do i improve this? i am still in my final year so i have a year to improve, would love to know insights about this, what should be a decent credit score by 2024 june keeping in mind my score now & that i have cleared all the bnpls

Improving credit score

How to increase my credit score ,  it had fallen due to Over utilisation of Card ♦️♠️

Credit Score

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

Founder

Thread to discuss credit cards what all basic, specific and premium cards you hold and what are your credit limit on that card.

Credit Card Mega Thread: Which Credit Cards do you have and What are the Limits?

Hello community,
I have 5 YOE 
Current CTC: 25 Lpa
Working with MNC in bangalore, unmarried 
Apart from this i have 7Lkhs of Auto loan left which was of 4 years, I don’t wish to prepay that. 

Do you have any suggestions if I want to quit job market in coming 10 years and do something of my own or attempt something remote coz I don’t see myself in bangalore in coming years.

How am I doing till now?

Software Developer

Can I live a credit card free life? Although I consider myself a credit card smart user, I did an experiment where I can't spend via credit card for a week. I ended up spending much less.

My credit score is 780. What are the problems of stopping the usage of all my credit cards today? Is there a difference in the loan interest I would get? Would that difference be significant?

Your CIBIL scores

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