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

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Last comment 2021-02-06

Deal Cadet

323

2021-02-05

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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dark.demon 2021-02-05

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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

323

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Mufasa 2021-02-05

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dark.demon wrote:
If you were not interested ,there was no point in testing 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.

456

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SastaRaju 2021-02-05

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Bajaj is like desidime dimers

Loot le loot le

1196

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Vulcan 2021-02-05

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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!

1093

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VellaBoy 2021-02-05

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

💯

1093

https://www.desidime.com/discussions/how-long-will-it-take-to-repair-credit-score-which-dropped-by-18-points?page=1#post_7367100

VellaBoy 2021-02-05

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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

314

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tristar 2021-02-06

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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