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.
My CIBIL score is 884, having 2 credit cards
That's almost perfect. Just shy of the 900 by 16 points.
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?
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.
Score 769 CC: 22 BNPL: 4 Homeloan: 1
That’s a THICC wallet!
I feel BNPL eats up the score, better to have it closed
770
776 cibil
6 CC 3 bnpl
I hit 803 Credit Score. Key learning:
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. Curren...
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 repor...
