Credit Card issue

Credit Card issue

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Deal Cadet
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Hey guys recently i had blocked and closed a card and new card was issued with a new number. This card is 4 years old card. Now i was thinking of applying for a new card on card to card basis. The issue is my CIBIL is still showing old card number. I asked the bank to update the CIBIL and they say it gets updated monthly and will reflect in 1 or 2 months time. Now the question is should i wait for 2 months and apply or i can apply with this card too as Cibil has not yet been updated with new card number.

10 Comments  |  
5 Dimers
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Deal Cadet
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Wait and then apply.
Remember one thing when dealing with credit cards – PATIENCE

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Deal Subedar
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you should wait till the bill with new card is generated and then give both card front and both card statement for processing card to card . else wait for 3 month and apply with new card details alone

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Deal Cadet
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AnnamalaiNryaa wrote:

you should wait till the bill with new card is generated and then give both card front and both card statement for processing card to card . else wait for 3 month and apply with new card details alone

New card bill has been genearted and i have the old card and all its statements. I have a hdfc card too with good limit but cannot use it since 6 months have not yet been completed.

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Deal Cadet
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GamesBond wrote:

Wait and then apply.
Remember one thing when dealing with credit cards – PATIENCE

Ya bro. But it has been more than a month since i received the new card after blocking the old card but still Cibil shows old card number.

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Deal Subedar
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watever wrote:

Ya bro. But it has been more than a month since i received the new card after blocking the old card but still Cibil shows old card number.

If you don’t want to messup your cibil and other credit scores, maintain atleast 6 months gap between applying credit cards.

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Deal Cadet
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dev007 wrote:

If you don’t want to messup your cibil and other credit scores, maintain atleast 6 months gap between applying credit cards.

This is a 4 years old card. due to some security reasons blocked this card. They issued the same card, same variant but with new card number.

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Deal Newbie
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He wants to tell that, his card is replaced and card account is same. Bank report to CIBIL about your card account (always different from card number, like saving account number), not card number.

Now you can apply Card to card, because card account is same, only card number is different. Provide KYC and new card front and last 2 months statement. All done.

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Deal Cadet
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midfold wrote:

He wants to tell that, his card is replaced and card account is same. Bank report to CIBIL about your card account (always different from card number, like saving account number), not card number.

Now you can apply Card to card, because card account is same, only card number is different. Provide KYC and new card front and last 2 months statement. All done.

Not all banks. Even hdfc reports card number as account number in cibil.

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Deal Newbie
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watever wrote:

Not all banks. Even hdfc reports card number as account number in cibil.

Ohh i was unaware of this, as I’m using ICICI and SBI card only.

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Deal Cadet
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midfold wrote:

Ohh i was unaware of this, as I’m using ICICI and SBI card only.

Agree with ICICI but even SBI uses card number as account number, they just add few extra zero’s in front of the card number. I know all this as i have unlimited access subscription to my Cibil.

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