need suggestion to improve my cibil score...

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Deal Cadet
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My CIBIL score is 687…it took a beating due to flipkart paylater…my account was blocked by them and I was able to get that account back after 12 months…so till 12 months the paylater amount was not paid and my cibil score gone….so I want to take it past 750…suggestions are most welcome…

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Create an fd in icici imob. Apply cc against that fd. Fd Can be as low as 10k. If you don’t have icici acc, then open an Insta Save FD Account online with 10k fd and Zero MAB, apply for cc simultaneously.

Use this cc normally. Clear dues well before time. Keep utilisation limit 30-40%. You can get your cibil score above 750 after 4-5 months.

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BubbleBoyChickenLittle wrote:

Create an fd in icici imob. Apply cc against that fd. Fd Can be as low as 10k. If you don’t have icici acc, then open an Insta Save FD Account online with 10k fd and Zero MAB, apply for cc simultaneously.

Use this cc normally. Clear dues well before time. Keep utilisation limit 30-40%. You can get your cibil score above 750 after 4-5 months.

Can we increase credit limit of this fd secured icici card by doing advance payment like we can do in apay icici cc?

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ssrohan123872 wrote:

Can we increase credit limit of this fd secured icici card by doing advance payment like we can do in apay icici cc?

Never heard of it. WTF smile
You will get 90% of the FD amount as your CL.

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DimeDime wrote:

Never heard of it.
You will get 90% of the FD amount as your CL.

I know they give 90% of fd amount. But my question is that if I open 10k fd then they’ll give me cc of 9k limit. But if i want to buy 12k mobile with that cc then is it possible to add 3k more in that cc by paying its bill in advance and make a purchase of 12k?

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ssrohan123872 wrote:

I know they give 90% of fd amount. But my question is that if I open 10k fd then they’ll give me cc of 9k limit. But if i want to buy 12k mobile with that cc then is it possible to add 3k more in that cc by paying its bill in advance and make a purchase of 12k?

Yep, seems to work in SBI and ICICI.

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DimeDime wrote:

Yep, seems to work in SBI and ICICI.

Yes, worked fine in my icici apay cc and sbi cc too but don’t have any idea about this fd secured card, hence asked. Btw, Thanks for reply. +Kg. 😊

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how are services like lazy pay, ola paylater and simpl in this regard of increasing cibil score

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tusharrai87839 wrote:

how are services like lazy pay, ola paylater and simpl in this regard of increasing cibil score

They are added as loans. I had Paytm postman ( my first ever credit type) and though my payments were regular my cibil was hardly 700 when I received my first card.

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tusharrai87839 wrote:

how are services like lazy pay, ola paylater and simpl in this regard of increasing cibil score

You didn’t get any calls from fk pay later lending partner to pay amount for 12 months??

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tusharrai87839 wrote:

how are services like lazy pay, ola paylater and simpl in this regard of increasing cibil score

You didn’t get any calls from fk pay later lending partner to pay amount for 12 months??

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BeUnique wrote:

You didn’t get any calls from fk pay later lending partner to pay amount for 12 months??

THEY CALLED ME BUT i USED TO SAY THAT MY ACCOUNT IS BLOCKED….THEY USED TO THEN FOLLOW UP WITH FLIPKARTFINALLY THEY GAVE PAYMENT LINKUPI ONE..I PAID..AND MY ACCOUNT ALSO GOT UNBLOCKED AFTER THAT

Missing