CIBIL STUCK AT 779 🤒

[Sonu Jay]

I'm using 2 credit cards (Sbi&HDFC) since around 1 year. I never used above 10% of my combine Credit Limit. I monthly check my CIBIL SCORE on Google Pay Free version however since last 4 months my CIBIL SCORE is stuck at 779 no improvement at all. What should I do to increase it or (to Decrease ) I mean what I'm missing is it's not moving at all any suggestions? Should I stop checking it monthly basis? (Although I'm aware that checking Own score doesn't impact)



Suggestions will be really helpful...

Thanks!

 

[hitirfan]

I'm using 2 credit cards (Sbi&HDFC) since around 1 year. I never used above 10% of my combine Credit Limit. I monthly check my CIBIL SCORE on Google Pay Free version however since last 4 months my CIBIL SCORE is stuck at 779 no improvement at all. What should I do to increase it or (to Decrease ) I mean what I'm missing is it's not moving at all any suggestions? Should I stop checking it monthly basis? (Although I'm aware that checking Own score doesn't impact)



Suggestions will be really helpful...

Thanks!

To decrease CIBIL score spend more than 30%. To increase keep the Utilization ratio 0%. Pay bill before bill generation/ end of month (whenever it is reported to CIBIL)

 

[zacobite]

I'm using 2 credit cards (Sbi&HDFC) since around 1 year. I never used above 10% of my combine Credit Limit. I monthly check my CIBIL SCORE on Google Pay Free version however since last 4 months my CIBIL SCORE is stuck at 779 no improvement at all. What should I do to increase it or (to Decrease ) I mean what I'm missing is it's not moving at all any suggestions? Should I stop checking it monthly basis? (Although I'm aware that checking Own score doesn't impact)



Suggestions will be really helpful...

Thanks!

if ur cards, spends, utilization is not chg why will score change.. be patient.. it will move slowly.. dont rush... are u planning to apply more??? 779 is gd score.. dont rush and get it lower

 

[Sonu Jay]

if ur cards, spends, utilization is not chg why will score change.. be patient.. it will move slowly.. dont rush... are u planning to apply more??? 779 is gd score.. dont rush and get it lower

Not planning now but want Amazon pay ICICI so I'm waiting to cross atleast 790+ as earlier I applied 5 month ago it got rejected which cost me 13 points

 

[zacobite]

Not planning now but want Amazon pay ICICI so I'm waiting to cross atleast 790+ as earlier I applied 5 month ago it got rejected which cost me 13 points

be patient.. 1 -2 cards per yr maxx.. that also is high... chooose carefully and apply..

 

[Sonu Jay]

be patient.. 1 -2 cards per yr maxx.. that also is high... chooose carefully and apply..

Ok will wait now for couple of months

 

[abhimarda]

To decrease CIBIL score spend more than 30%. To increase keep the Utilization ratio 0%. Pay bill before bill generation/ end of month (whenever it is reported to CIBIL)

I noted in this month preparing the unbilled amount in BBPS is not being allowed. As more and more cards move to BBPS, it will become difficult to prepay using 3rd party apps where we get some benefit. Till last month I have paid before bill generation but today it did not allow.

 

[hitirfan]

I noted in this month preparing the unbilled amount in BBPS is not being allowed. As more and more cards move to BBPS, it will become difficult to prepay using 3rd party apps where we get some benefit. Till last month I have paid before bill generation but today it did not allow.

Yes. Paying bill in advance is not allowed in some cards. But you can pay through other 3rd party apps like CRED, Mobikwik or through net banking of your Card.

 

[nanha.munna.rahi]

I think opting for a secured credit card will help increase cibil score as both secured and unsecured credit instruments keep cibil high.