cibil report

Which loan what is your source of income

Own business

cibil is a big scam used to threaten innocent people , i was having cibil of 800+ and nobody use to give me Credit card and now i have cibil of 740 and i have credit card of every bank (except standard charter but who care for them as they got no offer and rp)

Credit card I have. I want loan at price of 6-7 ℅ interest

SANJUSINGLA wrote:

Credit card I have. I want loan at price of 6-7 ℅ interest

no bank will give you at 6 - 7 % atleast now due to high repo rate if bank get it at that rate from RBI why would they untill and unless you are elon musk or a billionaire

in what world are you living?
Max at 8% - 9% you can get but you need some assets 

banks need a healthy statement 
over 5L relationship with the bank 

SANJUSINGLA wrote:

Credit card I have. I want loan at price of 6-7 ℅ interest

Even if you have 900/900 ..no bank will give loan for that 7% interest rate..

Are you looking for a Home Loan? only Home loans goes a bit low, that too 7% is too low. 9% is more realistic for home loans (from banks who won't send goons for recovery).

Also "cibil report is 865" , are you sure you are talking about CIBIL and not experian/ crif or other credit ratings?

demerius2020 wrote:

cibil is a big scam used to threaten innocent people , i was having cibil of 800+ and nobody use to give me Credit card and now i have cibil of 740 and i have credit card of every bank (except standard charter but who care for them as they got no offer and rp)

Except standard chartered smart credit card. One of the best due to the fact that it gives  2% cashback EVERYWHERE  where other cards dont . exmple rent,wallet load u name it. I have been trying to get it but unable to as they r offering to salaried public sector employees only

neel648 wrote:

Except standard chartered smart credit card. One of the best due to thr fact it gives  2% cashback ANYWHERE where other cards dont . exmple rent,wallet load u name it. I have been trying to get it but unable to as they r offer to salaried public sector employees only

SC ultimate is also good gives 3.3% reward. I think @demerius2020 just didn't like that they rejected the application. 😄

neel648 wrote:

Except standard chartered smart credit card. One of the best due to thr fact it gives  2% cashback ANYWHERE where other cards dont . exmple rent,wallet load u name it. I have been trying to get it but unable to as they r offer to salaried public sector employees only

My standard chartered titanium credit card was upgraded to smart credit card as pre approved offer.

rakeshtvla wrote:
SC ultimate is also good gives 3.3% reward. I think @demerius2020 just didn't like that they rejected the application. 😄

Dont u know ultimate just devalued to death? Not giving rp in almost anything like axis. Strange that sc smart didnt get hit by devaluation. Very strange

piyush2251 wrote:

My standard chartered titanium credit card was upgraded to smart credit card as pre approved offer.

Nice. I think I should get a lower varient then get upgraded to smart . by that if it gets devalued like sc ultimate  by the time I get sc smart its gonna be useless to me

rakeshtvla wrote:
SC ultimate is also good gives 3.3% reward. I think @demerius2020 just didn't like that they rejected the application. 😄

i already have:-

For online SBI cashback 5%

For wallet Amex MRCC/smartearn 3.8%

---------------------------------------------(NO SC ultimate 3.3% )---

For offline dinner BOB primeier 2.5%

For offline Axis Ace 2%

my most spend is online ,for offline i choose to go by wallet option , still SC ultimate wud be a plus point thru extra (0.8% to 1.3% )i agree, but its a far fetched dream seeing the way they r rejecting my application since many years, Lets call the grapes sours🐵

also @neel648

demerius2020 wrote:

i already have:-

For online SBI cashback 5%

For wallet Amex MRCC/smartearn 3.8%

---------------------------------------------(NO SC ultimate 3.3% )---

For offline dinner BOB primeier 2.5%

For offline Axis Ace 2%

my most spend is online ,for offline i choose to go by wallet option , still SC ultimate wud be a plus point thru extra (0.8% to 1.3% )i agree, but its a far fetched dream seeing the way they r rejecting my application since many years, Lets call the grapes sours🐵

also @neel648

U shouldnt get the sc ultimate card unless u r a legitimate spender then again sbi cashback gives more than sc ultimate for legitimate spend 3.3 vs 5 percent .
In my case im trying to get sc smart but they r rejecting it saying only public sector employees r welcome. I even created sc bank acct.
Now im trying to get the debit card which gives 5% upto 500 per month even on credit card bill pay. 500 free money per month sweet

SANJUSINGLA wrote:

Credit card I have. I want loan at price of 6-7 ℅ interest

Some private banks will gold loan at that rate. Try that.

Next lowest is home loan at ~8.5%

Recently got an ICICI Home loan for 30L @ 8.75% (Floating). Cibil - 777.

neel648 wrote:
U shouldnt get the sc ultimate card unless u r a legitimate spender then again sbi cashback gives more than sc ultimate for legitimate spend 3.3 vs 5 percent .
In my case im trying to get sc smart but they r rejecting it saying only public sector employees r welcome. I even created sc bank acct.
Now im trying to get the debit card which gives 5% upto 500 per month even on credit card bill pay. 500 free money per month sweet

and for this how much u have keep with bank as MAB on low intrest rate?

demerius2020 wrote:
and for this how much u have keep with bank as MAB on low intrest rate?

Yess , to get the debit card u gotta keep 2L mab but a secret where u wont have to maintain high MAB.pm me for that 

neel648 wrote:
Yess , to get the debit card u gotta keep 2L mab but a secret where u wont have to maintain high MAB.pm me for that 

no MAB means zero balance? tell me if this is not salary based a/c

demerius2020 wrote:
no MAB means zero balance? tell me if this is not salary based a/c

25k MAB acct

neel648 wrote:
25k MAB acct

MAB is MAB be it 25k or 2Land on that banks pay ultra low intrest causign u a loss,