CIBIL score is linked to your PAN number, so changing your mobile number does not directly impact your credit score.
However, it is important to update your new mobile number across all your existing bank accounts. Failure to do so may result in inconsistencies in your personal information when...
I personally do not use SBI credit cards, as my father already holds them. However, I’ve observed that some of my self-employed friends have successfully acquired SBI cards as well.
Tips and tricks 😅
My cibil score 789
Annual income 10L
Cibil history at the time of applying 4years.
Applied through google pay for Axis ace and it got approved.
My cousins
Cibil score 801
Annual Income 23L
Cibil history at the time of applying 11years.
Applied through google pay for axis...
Without income proof HDFC cards are tough to acquire.
But depending on location/credit history they wouldn't be checking income proof and office address.
as you are still new to this it may not easy but you can try your luck if swiggy app is showing it preapproved.
CardAnnual FeeBest ForReward RateLounge AccessWorth It at ₹1.2L Spend?
HDFC Regalia Gold₹2,500–2,950Balanced lifestyle4 RP/₹150 (≈1.3%)Domestic + Intl (limited)Maybe – if you value memberships like Swiggy One & MMT Black
HDFC Marriott Bonvoy₹3,500+Frequent Marriott staysMarriott Points...
A single-day payment delay typically has a minimal impact on your credit score, which usually recovers within six months.
However, real-world approvals often depend less on the score itself and more on how individual bank employees interpret your report. Some will overlook a 1-day DPD if they...
I had closed the card and reapplied after a gap of three years. During that period, I added several other credit cards and built a stronger credit history, which likely contributed to a higher credit limit upon reapplication. If you're considering whether to retain your current IndusInd card, it...
Back in 2022, I had applied for an IndusInd credit card, but was only offered a credit limit of ₹30,000, which led me to close the card shortly after. Despite multiple follow-ups calls from the bank over the next few months, I chose not to respond.
However, upon discovering the benefits of the...
Contact customer support to confirm whether the card is LTF. In the meantime, you can make extensive use of this card for online purchases and enjoy substantial returns. Even with a fee of 500, this card remains a valuable choice.
Effective Dates: Please note the two key effective dates for these changes: June 20, 2025, and October 1, 2025.
General Program Changes
Reward Tracking Method (Effective June 20, 2025): Reward points will now be calculated based on transaction categories instead of Merchant Category Codes...