How long will it take to repair credit score which dropped by 18 points?

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Deal Cadet
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Recently, Bajaj finserv has ruined my CIBIL score by hard enquiry. Card got approved but I am not interested in bajaj Finserv, I was just checking if the card getting approved or not. Earlier my CIBIL was 750 but now 732.
I am very strick in bill payment, had never missed a single EMI or bill. In fact, some were paid in advance. I am thinking to apply for an unsecured credit card in next six month after building a solid CIBIL.

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If you were not interested ,there was no point in testing joy joy bajaj wale to de denge kyuki loot’te sbse jada h

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dark.demon wrote:

If you were not interested ,there was no point in testing joy joy bajaj wale to de denge kyuki loot’te sbse jada h

Bro, I will not even take bajaj card of they provide over 1 Lakh limit. I was just not aware of the fact that CIBIL will be checked as it they mentioned pre-approved in the message that I had received from Bajak Finserv. I spend only for rewards not for spends like adha ghar ka kharcha on credit cards money & wait for salary.

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Bajaj is like desidime dimers

Loot le loot le

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Mufasa wrote:

Bro, I will not even take bajaj card of they provide over 1 Lakh limit. I was just not aware of the fact that CIBIL will be checked as it they mentioned pre-approved in the message that I had received from Bajak Finserv. I spend only for rewards not for spends like adha ghar ka kharcha on credit cards money & wait for salary.

Pre-approved credit card normally as well as in most cases, doesn’t attract a hard credit enquiry!

Just google it ! You will know!

I know it’s not the answer to the question
But your statement was not convincing so I opposed it!

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dark.demon wrote:

If you were not interested ,there was no point in testing joy joy bajaj wale to de denge kyuki loot’te sbse jada h

💯

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Vulcan wrote:

Pre-approved credit card normally as well as in most cases, doesn’t attract a hard credit enquiry!

Just google it ! You will know!

I know it’s not the answer to the question
But your statement was not convincing so I opposed it!

Yes u are right
But in my case too axis did a hard enquiry even if card was pre approved
I didn’t give any documents neither consent to check with credit bureau
So it might depends on user profile and banks

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Unless you choose the I submit button by providing your details, they can’t do a hard inquiry, there is a process… Which is why all banks and Fintechs send you these SMS and whatsapp messages or through FB multiple times so you give your name and other info and Pan for them to do a hard inquiry…

No point blaming BAjaj here, if OP was noob.. Agree with Vulcan

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