I need suggestions, to reach 800 cibil

[HisabiKitabiG]

Target: 800 Cibil by 15th July (least target 800+ by 31st August)
Facts:- Highest Cibil score 788 December 2024
Age 20
Card in December = 2
Credit Mix= Secured Credit Cards only
Score in Jan Mid = 774
Reason= Credit Card Emi updated in Report (which lead 60% utilization in 1 card)(Emi made in November and 50% limit of 1 one)
Credit age: 2 years 4m
Got new secured credit card in Jan to reduce avg utilization
LATEST CREDIT SCORE: 785 today (constant since 25th March)(utilization across all the cards reduced)(total from 24% to 19%
Credit emi principal now consime 31% of limit of that particular credit card

I need suggestions to work on the goal of 800+ cibil

 

[Skylar]

From Last 1 and half year my score is 792

- Maintain Low Credit Utilization
- Timely Payments
- Hard Inquiries (only 2 enquiries in last 11 months)
- Old Accounts Active
- Credit Utilization (always under 20%)
- Healthy Credit Mix (Having only credit cards no other loan)

5years 11 months of credit history never missed a payment.

 

[HisabiKitabiG]

From Last 1 and half year my score is 792

- Maintain Low Credit Utilization
- Timely Payments
- Hard Inquiries (only 2 enquiries in last 11 months)
- Old Accounts Active
- Credit Utilization (always under 20%)
- Healthy Credit Mix (Having only credit cards no other loan)

5years 11 months of credit history never missed a payment.

So there are pretty much chances that Credit score growth will be stagnant after 785 or 790, because of Single Credit Mix

 

[Skylar]

So there are pretty much chances that Credit score growth will be stagnant after 785 or 790, because of Single Credit Mix

I don't believe that the credit mix is the determining factor. My uncle is in a similar situation, he has only credit cards, no other loans, and his circumstances are otherwise identical to mine. He has maintained zero inquiries for the past four years, and his credit age is 13 years. Despite this, his credit score is 802.

 

[HisabiKitabiG]

I don't believe that the credit mix is the determining factor. My uncle is in a similar situation, he has only credit cards, no other loans, and his circumstances are otherwise identical to mine. He has maintained zero inquiries for the past four years, and his credit age is 13 years. Despite this, his credit score is 802.

Since you already told you uncle have 13 years and all credit cards.

Doesn't it contradict.

He has 802 socre in 13 years

My one friend has 797 in March 2025 (credit age is less than 1 year)


There is something we are missing.

 

[hitirfan]

Try CUR at 1% and see if u feel any difference.

 

[HisabiKitabiG]

Sure, Will try
But not possible under 3 months, (CC EMI 15% of total CUR)(latest by 15th April)
Other reason is increase in Utility due Electricity and Water bills
By August end under 10-12% CUR is possible.

Additionally, It is possible that CIBIL is uses internal weights based on Card usages
My Most used card's CUR is high (It now has CC emi only )
Because CUR of that card comes down to below 40% (31% currently) Cibil Started to improve

 

[MrPanchal]

Me kabhi kabhi apna Credit utilization minus me kar deta hu like if my credit limit is 40000 I add some extra amount like 1000 in credit card for advance or jab credit card ka bill generate hota hai uske agle din amount firse nikal leta hu isse mera cibil score jaldi badh jata hai

 

[HisabiKitabiG]

Me kabhi kabhi apna Credit utilization minus me kar deta hu like if my credit limit is 40000 I add some extra amount like 1000 in credit card for advance or jab credit card ka bill generate hota hai uske agle din amount firse nikal leta hu isse mera cibil score jaldi badh jata hai

Nice idea withdraw kaise krte hoon credit card mein excess amount

 

[Skylar]

Try CUR at 1% and see if u feel any difference.

Mine always under 2% cause of multiple cards.

 

[HisabiKitabiG]

Mine always under 2% cause of multiple cards.

Saar, Main Student Saarrr
Mere Parents mere naam pr Interest ka Tax bachane ke liye FD krate saarrrr
Ussi se CreditVard le liya Saarrr

Jokes apart.
It will take 5-10 years to reach that level.
I route most of my expenses through credit card.

 

[MrPanchal]

Nice idea withdraw kaise krte hoon credit card mein excess amount

Wallet me load karo fir use monthly bill payment kar skte ho
Me abhi Cred wallet use kar rha hu usme mujhe Bank transfer ka option mil rha hai kyc ke baad