Mine was 800+ when I had only 1 credit card only. My utilisation was always constant or lesser. People should take only those many credit cards which they can peacefully manage. Not necessary to take too many just to increase CIBIL score. Mix of credit types and count of credit cards anyhow has low impact on the credit score. Biggest influence is timely payments and percentage of credit utilisation. Rest of the things can be ignored if not possible to do.
One of my friend has 830+ CIBIL, without any Cards, he just took a loan of 30K from Indusind Bank, cleared it before time, his CIBIL generated for the first time!!
1. Emi , bill payment on time. 2. 5 to 10 credit accounts are better. 3. Secured loan like home loan, vehicle loan etc..not personal loan. 4. Hard enquiries short term loan. 5. If you have many enquiries. Then less impact of hard enquiries 6. Check cibil report and immediately report to bank. 7. Patience 5-6 years time for 800 score. 8.
Currently I have 777 score in 4 years of credit history with 14 credit cards and 7 other loans including secured and unsecured loans and still waiting for 800+ score 😅
total utilized of all cards/total available limit of all cards. You can max out on one card if you have multiple cards, beware of hdfc they don't report credit limit to cibil.
Credit card utilization 50% se uper kar do or cibil me fark na pade to kesa rahe me 90% use karta hu credit card ko fir bhi cibil me 10-14% hi show hota he
I have one doubt on credit utilisation ratio. Requesting to please clarify my doubt:- Credit utilisation ratio is calculated on all credit cards limit or every single card utilisation should be less than 30%. For example a person has 3 credit cards with a credit limit of (8L, 5L, 20k respectively) and a total of 13lakhs 20 thousand.... So he needs to maintain 30%utilization on each of the cards including 20K card as well (or) He can use all the 20K and rest other cards only 25% or 20% is used then total comes to be lesst than 30% right .... Which is correct ..pls let me know. Thanks.
sir mera credit score 780 tak jata hai, mai sabkuch timely pay krta hu but again 770 pe aa jata h, fir 2 months bad 780 ho jata hai fir wapis 770. 780 cross kyu nhi kr rha ye
5 year jaruri nhi mera 9 months main 801 ho gya tha us time mere pas sirf fd card tha icici ka and 1 paylater tha. Abhi mera cibil 789 h 16 credit card and 3 paylater account h. December se ab tak 21 enquiry h.
I got 2 loan inquiries with in 2 months with out my knowledge hence purchased cibil subscription nd disputed they closed it saying resolved I disputed again nd they closed again no use. 😢
You have told 5 to 6 years for cibil increase, it's 100% wrong. Mera to cibil score kuch bhi nahi that, fir mene sbi se gold loan liya 40k ka. Aur emi mai har month pay kiya, after 5 months mera cibil 801 per aa gaya. Gold loan ke alava mera koi bhi credit card ya loan nahi hai.
@TechnoFino Aap Bajaj Finserv World prime super card per video banaye na? Wo card lena chahiye ya nahi muze Ek bhi honest review wala video nahi mila RUclips per abhi tak. 🙏🙏🙏🙏🙏
1st time mai zayada hee hoota hai , jab new cards ke liye apply karoge tab below 800 hee ho jayega . And only score matter nahi karta payment history bhi dekhi jaati hai.
Hi i have 18 credit card account if any want to improve ur credit score pls don't apply HDFC BANK CREDIT CARDS because they are not updating properly of your credit card limit to CIBIL company
Video starts from 3.05
Thanks
Thanks man
Let me fix your comment 3:05
Thnx
Thanks
Mine was 800+ when I had only 1 credit card only. My utilisation was always constant or lesser. People should take only those many credit cards which they can peacefully manage. Not necessary to take too many just to increase CIBIL score. Mix of credit types and count of credit cards anyhow has low impact on the credit score. Biggest influence is timely payments and percentage of credit utilisation. Rest of the things can be ignored if not possible to do.
Correct, 2-4 cards are enough for commoners like us, some people are on mission to make garland out of credit cards they own.
One of my friend has 830+ CIBIL, without any Cards, he just took a loan of 30K from Indusind Bank, cleared it before time, his CIBIL generated for the first time!!
1. Emi , bill payment on time.
2. 5 to 10 credit accounts are better.
3. Secured loan like home loan, vehicle loan etc..not personal loan.
4. Hard enquiries short term loan.
5. If you have many enquiries. Then less impact of hard enquiries
6. Check cibil report and immediately report to bank.
7. Patience 5-6 years time for 800 score.
8.
Currently I have 777 score in 4 years of credit history with 14 credit cards and 7 other loans including secured and unsecured loans and still waiting for 800+ score 😅
I pad back 50% of my home loan. My cibil went from 750 to 833
It's not CIBIL then
@@asifmiles8083 I took car loan on 31st march they said my cibil is 833. Reason prepayment of home loan
@@asifmiles8083 achha 😴
बिग फैन भाई जी बहुत कुछ सीखा है आपसे
इस हिसाब से आप शिक्षक हो इस बैंकिंग सेक्टर में ❤❤❤❤❤❤❤
The credit utilisation calculation, it is based on individual credit card limit or cumulative credit limits of all cards?
total utilized of all cards/total available limit of all cards. You can max out on one card if you have multiple cards, beware of hdfc they don't report credit limit to cibil.
I think, Cumulative
All credit limit 10L
Use 3 lakh full limit any card
Credit utilization 30% no problem
Only 1 card use limit 50%
Credit utilization 50%
NDXP personal loan shows in my CIBIL. How to remove or whom to contact for NDXP?
@ankurio mere isme bhi par remove ho gya
Video starts 3:05
How u get 6 axis card
Credit card utilization 50% se uper kar do or cibil me fark na pade to kesa rahe me 90% use karta hu credit card ko fir bhi cibil me 10-14% hi show hota he
Card closer without settlement se cibil pr koi effects prta hai kya.?
I have one doubt on credit utilisation ratio. Requesting to please clarify my doubt:-
Credit utilisation ratio is calculated on all credit cards limit or every single card utilisation should be less than 30%.
For example a person has 3 credit cards with a credit limit of (8L, 5L, 20k respectively) and a total of 13lakhs 20 thousand.... So he needs to maintain 30%utilization on each of the cards including 20K card as well (or)
He can use all the 20K and rest other cards only 25% or 20% is used then total comes to be lesst than 30% right ....
Which is correct ..pls let me know.
Thanks.
Come on somebody reply on this
I also want to know about 30% criteria
30℅ of total credit limit across all cards...
@@deb444ful thank u
30 % of total credit limit of all cc
Yes I have seen in cibil report too. Utilisation is based on total credit limit.
sir mera credit score 780 tak jata hai, mai sabkuch timely pay krta hu but again 770 pe aa jata h, fir 2 months bad 780 ho jata hai fir wapis 770. 780 cross kyu nhi kr rha ye
Get a good credit mix of secured and unsecured credit. Like credit cards+ home loan/car loan. And have patience, score will go 780+
Nyc
My CIBIL credit score is 791 when my credit score generated 2018 February CIBIL score 790🤗🤗🤗
My cibil credit score is 760 and i am using one card from 7 months only 😒
5 year jaruri nhi mera 9 months main 801 ho gya tha us time mere pas sirf fd card tha icici ka and 1 paylater tha.
Abhi mera cibil 789 h 16 credit card and 3 paylater account h. December se ab tak 21 enquiry h.
आपके अनुसार अधिक लोन अकाउंट नही होना चाहिए।
@@ashish-india635 utilisation bhi accha rakho
@@Manoj_Meena mera utilisation 2-4 persent hai
I got 2 loan inquiries with in 2 months with out my knowledge hence purchased cibil subscription nd disputed they closed it saying resolved I disputed again nd they closed again no use. 😢
Contact the bank, not cibil
You have told 5 to 6 years for cibil increase, it's 100% wrong.
Mera to cibil score kuch bhi nahi that, fir mene sbi se gold loan liya 40k ka.
Aur emi mai har month pay kiya, after 5 months mera cibil 801 per aa gaya.
Gold loan ke alava mera koi bhi credit card ya loan nahi hai.
Unsecured loan nhi lena but you have 45 account active konsa loan Mila h jo 45 account h
Sir Mera cibil score 769 but loan application rejection
How many upi transactions free in axis Bank?
776
100% on time payment
2 years me 777 he Mera CIBIL score he...
@TechnoFino Aap Bajaj Finserv World prime super card per video banaye na? Wo card lena chahiye ya nahi muze Ek bhi honest review wala video nahi mila RUclips per abhi tak. 🙏🙏🙏🙏🙏
Sir what is mdr charges for rupay credit card upi and if there is no mdr for upto 2000 than there will be no fuel surcharge am I right?
MDR is much different than Fuel Surcharge,
Much awaited video
798 pe rukha hai one year se
Bhai kya mazak kare ho 5 year time for 800 plus CIBIL score bhai mene first Credit Card 2021 ke dec mein liya tha aaj mera cibil 838 hai
Talking about cibil score, not experian score.
@@TechnoFino CIBIL Score ki baat Kara hu mein bhi Offical CIBIL ki website se he check karta hu mein experience score 860 hai
1st time mai zayada hee hoota hai , jab new cards ke liye apply karoge tab below 800 hee ho jayega . And only score matter nahi karta payment history bhi dekhi jaati hai.
Mine 812 as per CRED
My credit history is 1 year. 6 credit cards. CIBIL IS 808
Is it possible to have 850+ cibil score?
सही कहा है,
I three yrs credit history and my score is 780
My CIBIL 799
In 8-9 months my credit score is 801 with 2 credit card
Hi i have 18 credit card account if any want to improve ur credit score pls don't apply HDFC BANK CREDIT CARDS because they are not updating properly of your credit card limit to CIBIL company
HDFC never reports credit limit to CIBIL
Agree. I do have a good limit on hdfc but my CIBIL dosent reflect that amount in total limit and hence has a drastic impact on the final score
Kaun kaun chahta hai sir apna full credit report show kre .. kitna credit card or kitna enquiry hai.. or loan amount in sir ke CIBIL report me..
Nice...Information
782 cibil score he fir bhi credit cards nahi milta
Sir where you check CIBIL score
From cibil score website
@@loveshayari1864 thank you
Google Pay
@@ek_virus thank you
@@SanJanJayadevan in Google pay also we can check?
🎉🎉
Mera 785 hai
wo experian hota h sir
Nahi ho sakta uncle knowledge lo
Mera 796 hey
Voice nhi AA rhi h aapki
Tuchiya aadmi