Credit Card cibil enquiry amounts of respective credit cards and it's significance

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Community Angel
drupal

Most of the pre-approved credit card cibil hit makes low amount cibil enquiry
inAxis 10000 HDFC 1000
For SBI simply click their enquiry amount is Rs.50000
But for Co branded cards like IRCTC and IOCL card enquiry amount is only Rs.100
BOB financial enquiry 50,000 for normal cards
Kotak Mahindra bank credit card enquiry amount 15000 and 50000 on first attempt they make 15000 Rs. enquiry and on second attempt they make 50000 Rs. enquiry
RBL pre-approved cibil enquiry amount Rs.1000
One thing I observed after checking analysing cibil reports of many people that if cibil enquiry amount is low approval chances are high and most of the pre-approved credit cards make small amount cibil enquiry
What is your experience guys share please

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Community Angel Community Angel
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ICICI pre-approved credit card CIBIL enquiry amount Rs.10,000

Deal Subedar Deal Subedar
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Why there is so much difference between CIBIL enquiry amounts ? What is that enquiry amount means ?

Community Angel Community Angel
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Fraud si creva Kissht loan cibil enquiry amount is Re 1 only they want to give you loan at any cost to loot you through their very very high interest rates

Community Angel Community Angel
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sri222 wrote:

Why there is so much difference between CIBIL enquiry amounts ? What is that enquiry amount means ?

Through credit enquiry amount banks check credit worthiness
eg: for a 1000 rupees enquiry bank asks cibil, is this person is worth of giving 1000 Rs. credit? even for no cibil history customers such amounts are approved and if bank gave pre-approved offer they plus it with their AI system observations and provide system approved limit to the customers

The PostMighty The PostMighty
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1.Flipkart Pay Later – IDFC First Bank – Enquiry Amount 10,000 – Credit Limit – 5000Rs – Marked as Consumer Loan (That’s why People say,be cautious about Pay Later,when they are saying that i am gonna get 5k credit limit on Flipkart then why the hell in CIBIL,they enquired about 10k imp

2. ICICI BANK – Secured Credit Card – Enquiry Amount 10,000 – Credit Limit- 9000Rs (90% of FD Limit) Strange to see, But CIBIL Enquiry should not be on Secured Credit Card Right? rage
Earlier, I had Kotak Dream Different Credit Card, they didn’t mark enquiry on CIBIL!

3. ICICI Amazon Pay Credit Card – Enquiry Amount – 1 Lac Rupees grinning – Not Issued/Rejected

4. AXIS BANK Credit Card – Enquiry Amount – 10,000, Not issued/Rejected laughing

These Last 2 Enquiries Made by me, just to check whether they give any card to me and I applied this when my CIBIL Didn’t Generated smile

Community Angel Community Angel
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ICICI apay cc enquiry amount is 100,000 but they check if other cards are maintained well system only asks id proof and no income proof
In my case only haadar pan card was asked

Deal Subedar Deal Subedar
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drupal wrote:

ICICI pre-approved credit card CIBIL enquiry amount Rs.10,000

None for me. They didn’t even ask for Aadhaar or PAN

I received pre-approved Sapphiro in January without any hard pull
The PostMighty The PostMighty
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drupal wrote:

ICICI apay cc enquiry amount is 100,000 but they check if other cards are maintained well system only asks id proof and no income proof
In my case only haadar pan card was asked

Ohh! flushed

But CIBIL me Enquiry to huyi na?

Deal Lieutenant Deal Lieutenant
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drupal wrote:

ICICI apay cc enquiry amount is 100,000 but they check if other cards are maintained well system only asks id proof and no income proof
In my case only haadar pan card was asked

Haadar?

Is it adhaar? 😜

Deal Lieutenant Deal Lieutenant
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Ramta_Jogi wrote:

None for me. They didn’t even ask for Aadhaar or PAN

I received pre-approved Sapphiro in January without any hard pull

LTF?

Community Angel Community Angel
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Ramta_Jogi wrote:

None for me. They didn’t even ask for Aadhaar or PAN

I received pre-approved Sapphiro in January without any hard pull

May be at some point an existing customer reaches nirvana through AI system algorithm where CIBIL pulls become meaningless but this thing is rare and only for select customers

Community Angel Community Angel
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Ramta_Jogi wrote:

None for me. They didn’t even ask for Aadhaar or PAN

I received pre-approved Sapphiro in January without any hard pull

ICICI not asks documents if card is pre-approved , my card was not pre-approved I applied through Amazon app
This year in March one of my relative got his ICICI CC without any docs but cibil hit was there

Deal Captain Deal Captain
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shraaj wrote:

1.Flipkart Pay Later – IDFC First Bank – Enquiry Amount 10,000 – Credit Limit – 5000Rs – Marked as Consumer Loan (That’s why People say,be cautious about Pay Later,when they are saying that i am gonna get 5k credit limit on Flipkart then why the hell in CIBIL,they enquired about 10k imp

2. ICICI BANK – Secured Credit Card – Enquiry Amount 10,000 – Credit Limit- 9000Rs (90% of FD Limit) Strange to see, But CIBIL Enquiry should not be on Secured Credit Card Right? rage
Earlier, I had Kotak Dream Different Credit Card, they didn’t mark enquiry on CIBIL!

3. ICICI Amazon Pay Credit Card – Enquiry Amount – 1 Lac Rupees grinning – Not Issued/Rejected

4. AXIS BANK Credit Card – Enquiry Amount – 10,000, Not issued/Rejected laughing

These Last 2 Enquiries Made by me, just to check whether they give any card to me and I applied this when my CIBIL Didn’t Generated smile

While opening ICICI mine account, they automatically fetched my credit score later I came to know it was for an amount of ₹10 lakhs! flushed

Paytm Postpaid also checked CIBIL multiple times before approval however seems they made no hard enquiry

The PostMighty The PostMighty
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Gaurav_G wrote:

While opening ICICI mine account, they automatically fetched my credit score later I came to know it was for an amount of ₹10 lakhs! flushed

Paytm Postpaid also checked CIBIL multiple times before approval however seems they made no hard enquiry

I also have ICICI Mine Account, Mera to nahi hua Check! smile

Also,uss time par mera koi CIBIL Generate nahi hua,after ICICI Mine,opened FD and got Credit Card

Deal Captain Deal Captain
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shraaj wrote:

I also have ICICI Mine Account, Mera to nahi hua Check! smile

Also,uss time par mera koi CIBIL Generate nahi hua,after ICICI Mine,opened FD and got Credit Card

Yes same I didn’t plan to take FD card however I had already opened the FD took card later.

Also I have one LTF HDFC card smiley

I was tempted to open slice however will do nothing now uninstalled it right away also some people told me Slice reports as 2 different personal loans in their CIBIL so one slice = 2 paylater accounts 🙈

The PostMighty The PostMighty
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Gaurav_G wrote:

Yes same I didn’t plan to take FD card however I had already opened the FD took card later.

Also I have one LTF HDFC card smiley

I was tempted to open slice however will do nothing now uninstalled it right away also some people told me Slice reports as 2 different personal loans in their CIBIL so one slice = 2 paylater accounts 🙈

Never use Pay Later Services, apart from Flipkart, Amazon!

Eventually, it has been seen that these Pay Later companies are partnered with cheap companies they do cibil enquiry, false amount and they will not close your account or give any support!

Just use a Credit Card that’s it!

https://www.livemint.com/money/personal-finance...

Deal Captain Deal Captain
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shraaj wrote:

Never use Pay Later Services, apart from Flipkart, Amazon!

Eventually, it has been seen that these Pay Later companies are partnered with cheap companies like civil enquiry, false amount and they will not close your account or give any support!

Just use a Credit Card that’s it!

https://www.livemint.com/money/personal-finance...

I opted for Paytm Postpaid only because their partner was Aditya Birla Group which is kind of trusted than others

Deal Captain Deal Captain
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@drupal yes looks like you’re correct HDFC pre-approved only did enquiry for ₹1000 smile

The PostMighty The PostMighty
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Gaurav_G wrote:

I opted for Paytm Postpaid only because their partner was Aditya Birla Group which is kind of trusted than others

From Next Time, Trust Only Banks, will provide better support that’s why earlier I told that IDFC First Bank is good (Flipkart and Amazon pay later)

Community Angel Community Angel
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Amazon pay ICICI card also do Rs. 10000 enquiry if a customer has good savings account relationship with ICICI, approval chances are much higher in apay card issuance if 10000 Rs. enquiry made

Deal Cadet Deal Cadet
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drupal wrote:

May be at some point an existing customer reaches nirvana through AI system algorithm where CIBIL pulls become meaningless but this thing is rare and only for select customers

Even for me in icici no cibil hit for pre approved rubyx card

Community Angel Community Angel
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dark.demon wrote:

Even for me in icici no cibil hit for pre approved rubyx card

You were already an FD based card customer before after that you got Pre-approved 2 lakh limit they had so much trust in you no cibil needed

Deal Subedar Deal Subedar
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drupal wrote:

Amazon pay ICICI card also do Rs. 10000 enquiry if a customer has good savings account relationship with ICICI, approval chances are much higher in apay card issuance if 10000 Rs. enquiry made

Applied for apay card on 3rd July.. No income documents asked.. Completed physical KYC on 24th July.. one more hard enquiry for ₹10000 made on 28th July.. no income proof asked.. but Application got declined yesterday..

Community Angel Community Angel
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VimAl_Raj wrote:

Applied for apay card on 3rd July.. No income documents asked.. Completed physical KYC on 24th July.. one more hard enquiry for ₹10000 made on 28th July.. no income proof asked.. but Application got declined yesterday..

Bro you are applying too many cards in short time please wait for 6 months and then apply they made second enquiry of small amount and that too not approved

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