CIBIL SCORE DROPPED

[oh god tussi great ho]

Hello everyone i am using a credit card on which i pay the bill on the date when the bill is generated but i dont know why still my credit score is dropping down and see my spending is like below 30% of limit of my credit card but in the last month when my bill was generated i paid on the same day and then after 4 days i swiped my card at a fuel station of rs.120 and then after a month wen i checked my credit score in my gpay application it says that it has drop of straight 10 Points because i am overspending like 120RS and same when i see on Experian it shows higher than in the gpay it shows a bit confusing pls help me out to improve my Credit score and i never overspend and i dont know whom i should consider experian or cibil i have hdfc card

 

[krishna1718]

whats you cibil now? cibil will be impact if you have new queries new accounts higher utilization and miss payments if you closed old account it will also decrease score

 

[oh god tussi great ho]

I never enquired for loan never miss payments no old account has closed but still impacts score

 

[oh god tussi great ho]

whats you cibil now? cibil will be impact if you have new queries new accounts higher utilization and miss payments if you closed old account it will also decrease score

I never enquired for loan never miss payments no old account has closed but still impacts score

 

[krishna1718]

any account limit decrease or increase? any bank not updated data in cibil 1 month above? 10 points drop is normal when you are above 780+

 

[launchcraft]

what is your score currently.
How many cards you have currently.
What is the time frame of your oldest card.
This decline once happened with me also when there was no enquiry or happening in my report.
There can be a slight decline in your score if you have no movement or enquiry for the long period.