Guide me about CIBIL score

Do people having debit card also hold a cibil score ? – NO
Why do sites charge us for checking score – They are maintaining the data so kind of maintenance Fee
is there any way to check cibil score for free – Install onescore or Wishfin app
I have seen people saying that if you check it continuously then score gets down … is that so ? – False. Score wont reduce if you check. It will counted as soft enquiry!

When u take any credit in form of any loan, then only Cibil Score comes into play. So, Debit card is out of picture here.
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You can register here and check ur score for free -
https://myscore.cibil.com/CreditView/enrollShor...

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Checking Cibil doesn’t impact your score coz it’s a soft enquiry. When banks or any other lending party does hard enquiry at the time of issuing loan/credit, this impacts ur Cibil.
(Purely based on the knowledge gained from this forum)

Do people having debit card also hold a cibil score ? No, only those who have taken a loan product, credit card have CIBIL score.

Why do sites charge us for checking score … and is there any way to check cibil score for free ? Some sites have their policy to charge with a view to earn or maintenance. You can check for free from Wishfin. Score is updated once a month. You can also check from HDFC if you are a HDFC account holder.

I have seen people saying that if you check it continuously then score gets down … is that so ? No, you can check as many times as you wish. Only hard enquiry by banks may impact your score.

i don’t know my cibil score.i am using one credit card from the last 3 yrs.and recently applied for another bank card.
if bank reject to give credit card,after applying? any negative impact on cibil score?

@Andhra_Abbayi @cadence
Is there any app/site which does soft enquiry and doesn’t store or sell one’s data?
Is Cibil/Equifax still providing one soft enquiry which they used to do in the past like one free enquiry once or twice a year?

1.open a saving a/c pref. with SBI
2.goto your bank and take credit card on the basis of you having banking rel. with them
3.after 6 month u will have good credit history and now anyone will give you card