How to build a good CIBIL score to get unsecured credit card
Never had loan or cc . Received FD based card from ICICI with 9k limit in September 2020.. so no history changed to 756.. But due to two hard enquires by SBI card.My CIBIL score dropped from 756 to 739.. how to improve it? ICICI secured cc not mentioning d approved limit to CIBIL. So credit utilisation Always 100%.. Should I pay d cc bill b4 bill generation? If I do so vil it improve my score? Should I go for Flipkart pay later r Amazon pay later for d better score? @DimeDime @guest_999 @Mufasa
Deal Wiki
-
Created by : Amit.Saha
- Sort By
I shouldn’t worry about credit utilisation? What vil happen if I go for Flipkart pay later? Vil there b hard enquiry?
Any way to check cibil score for free without affecting my score? I am frankly clueless about these hard and soft enquiries etc.
Paytm, HDFC account, ICICI wealth management…CIBIL also provide free score 1s…all the above is soft enquiry..won’t impact score.
Hard is when you apply for loan or card
Past 2 years i just used ola postpaid and paytm postpaid never knew about cibil experian etc today just out of curiosity checked my experian score and found it 861 out of 900 without any credit cards and loans just postpaid service and timely payments
when tried to check cibil using one score app they said something went wrong
Tried using Paisa bazaar found it to be 769 not sure
Why one app can and other cannot
Get ready to receive spam email n calls from paisa bazaar
Just keep paying your bill within a few days of statement generation date. Some banks don’t report cc limit to cibil(hdfc doesn’t report limit for any of its credit card I think @caks2006407 @rohit_agarwal ).
For d past month I ve used all my limits but paid b4 bill generation..so bill generated for zero..this month also gonna pay my bill b4 generation..don’t know whether m doing d right thing..
How do flipkart & amazon pay later, will impact credit score. In fact my credit score was built by using flipkart Pay Later & I still sometimes use flipkart pay later
.
I have checked my Credit Score on Bank bazaar, i believe that is fro Exparian..Score is 893, from where to get CIBIL score.
Check at Paytm or one score app
Credit score will improve automatically over time…just pay your bills on time. Avoid payater from FK/Amazon or any other place…