SuperT Posted April 1, 2022 Report Share Posted April 1, 2022 Anything above 700 is considered good, so no need to worry. Until or unless you have defaulted or paid emi/cc bills late multiple times it should never be an issue. I paid my CC bill late 7-8 times in the past 5 yrs and still my score is above 750. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted April 1, 2022 Report Share Posted April 1, 2022 My score is Experian at 849, and CRIF at 703 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 1, 2022 Report Share Posted April 1, 2022 2 hours ago, Mr. Comingle said: 847 and 803 respectively for me Do you have an EMI running? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 1, 2022 Report Share Posted April 1, 2022 8 minutes ago, Mr. Comingle said: Yeah home loan That's it then. The more loans you have, the higher the score goes. Quote Link to comment Share on other sites More sharing options...
Sach4life Posted April 1, 2022 Report Share Posted April 1, 2022 My CIBIL score was over 800 a year back. Has dropped to 700 couple of months back due yo some stupid sh*t I did. Back to 730 now as I am getting things back on track. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted April 1, 2022 Report Share Posted April 1, 2022 2 hours ago, KunjanPSD said: That's it then. The more loans you have, the higher the score goes. Yup. I closed one loan 2 years back. And have only CCs now. My loan variety is less, hence the low score. Might add on a car loan by this year end, let's see... Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 1, 2022 Report Share Posted April 1, 2022 Crazy. Add a loan (showing credit hunger) to improve credit score. Quote Link to comment Share on other sites More sharing options...
dante77 Posted April 1, 2022 Report Share Posted April 1, 2022 Cred shows I am 881 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 1, 2022 Report Share Posted April 1, 2022 5 hours ago, Mr. Comingle said: It's honestly not as crazy as it sounds. Demonstrating ability to service long term debt is pretty valuable from a lender's perspective. CC debt is short term and easier to plan for. Something like a home loan or car loan takes some planning and if you're able to service it for extended periods, you're a safe bet. Credit score is not a certification of your character or income, it's a measure of how safe a bet you are. I wouldn't agree completely. Add two loans of the same kind and see the score drop. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 1, 2022 Report Share Posted April 1, 2022 40 minutes ago, dante77 said: Cred shows I am 881 How many loans are you running? Lol, don't mind. Quote Link to comment Share on other sites More sharing options...
dante77 Posted April 1, 2022 Report Share Posted April 1, 2022 19 minutes ago, KunjanPSD said: How many loans are you running? Lol, don't mind. None. Never took loan, no EMIs. I usually pay CC bill before time and at most when Bill is generated. I have 4 CCs. One I planning to cancel soon. One was mistakenly applied by me for SBI. I don't trust Cred's score though. My credit score is probably good so I don't care much. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 2, 2022 Report Share Posted April 2, 2022 9 hours ago, dante77 said: None. Never took loan, no EMIs. I usually pay CC bill before time and at most when Bill is generated. I have 4 CCs. One I planning to cancel soon. One was mistakenly applied by me for SBI. I don't trust Cred's score though. My credit score is probably good so I don't care much. Having 4 CCs bumps the score up. Especially if you have a long standing one. 1 Quote Link to comment Share on other sites More sharing options...
Root Posted April 4, 2022 Report Share Posted April 4, 2022 (edited) Zomato RBL credit card looks promising, 5% cashback on zomato and restaurant transactions Edited April 4, 2022 by Root Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 4, 2022 Report Share Posted April 4, 2022 26 minutes ago, Root said: Zomato RBL credit card looks promising, 5% cashback on zomato and restaurant transactions 5% on Grofers too. Quote Link to comment Share on other sites More sharing options...
b!T Posted April 4, 2022 Report Share Posted April 4, 2022 1 hour ago, Root said: Zomato RBL credit card looks promising, 5% cashback on zomato and restaurant transactions After waiting for a while, I finally got the invite. After applying they just shows an error message "Can't issue card for now". No clue whats happening. Credit scores on Cibil, Crif and Experian are above 800. Quote Link to comment Share on other sites More sharing options...
Root Posted April 4, 2022 Report Share Posted April 4, 2022 1 hour ago, b!T said: After waiting for a while, I finally got the invite. After applying they just shows an error message "Can't issue card for now". No clue whats happening. Credit scores on Cibil, Crif and Experian are above 800. I applied via the app and got it approved within a day. Any idea how to get zomato black card? This card has good features Quote Link to comment Share on other sites More sharing options...
b!T Posted April 4, 2022 Report Share Posted April 4, 2022 3 hours ago, Root said: I applied via the app and got it approved within a day. Any idea how to get zomato black card? This card has good features I think app is the only way to apply for now. Not sure abt black card though. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 7, 2022 Report Share Posted April 7, 2022 Tata Neu superceding just about everything from Taj Inner Circle to Loyalty programs for Air Asia and soon Vistara + Air India. Expect some credit card deals soon. Quote Link to comment Share on other sites More sharing options...
djdgr8 Posted April 10, 2022 Report Share Posted April 10, 2022 Anyone have a Kotak credit or debit card need one to book tickets on MakeMyTrip. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 10, 2022 Report Share Posted April 10, 2022 (edited) On 4/7/2022 at 7:13 PM, KunjanPSD said: Tata Neu superceding just about everything from Taj Inner Circle to Loyalty programs for Air Asia and soon Vistara + Air India. Expect some credit card deals soon. It's a bit irritating tbh. Earlier, 1mg cashback could be used with any mode of payment. Now it has been turned into Neu points, and are only redeemable when paying via Tata Pay. Edit: Also, it has to be the laziest app/rewards program name I've seen. Edited April 10, 2022 by Bird Bird Bird Quote Link to comment Share on other sites More sharing options...
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