Regarding cibil score

[snark]

Hello everyone I just started my cibil journey, after my first credit card payment my cibil score was generated at 770 , this my second month using credit card by on 27th my cibil score dropped to 766.

I have spent just below 5% in my first month and same uptill now. Then why score dropped

 

[krishna1718]

Cibil fluctuate while using card for new to cibil it takes 6 months to 1 year to stabilize to a score so don't worry use it happily

 

[launchcraft]

This is a great news that you have started your credit score journey by taking a credit a using it well and making every payment timely with total amount due (always). Your credit utilization is good too.
As your credit history is still new a fresh, it will take some months for CIBIL to show your actual credit score.
After 3-4 it will become normal, do check with PAISABAZAAR app, they show scores from different bureaus, ie.,CIBIL, Experian, Equifax, Highmark.

 

[snark]

This is a great news that you have started your credit score journey by taking a credit a using it well and making every payment timely with total amount due (always). Your credit utilization is good too.
As your credit history is still new a fresh, it will take some months for CIBIL to show your actual credit score.
After 3-4 it will become normal, do check with PAISABAZAAR app, they show scores from different bureaus, ie.,CIBIL, Experian, Equifax, Highmark.

Thank you

My bill generation date is 10 and I have axis ace card , I also had check cibil report it's showing verification date as 15 does this date change or remain same

 

[krishna1718]

Bro it just a month you no need to think of cibil use card after 1 year your cibil go above 780+ dont worry

 

[launchcraft]

Thank you

My bill generation date is 10 and I have axis ace card , I also had check cibil report it's showing verification date as 15 does this date change or remain same

Credit report will show your account opening date as on which date your card was approved and it remains same as per my knowledge.
But yes don't worry about that just use your card wisely, make every payment on time and you are good to go.
Just keep a update on your report for any inaccuracies or errors.