Is my credit card closed properly? Can anyone please verify the attachment?

[Hanush Kumar]

I have closed one of my earlier credit cards in 2017 (please refer to attachments). I'm not sure whether it is closed properly. Can anyone please verify whether my credit card account is properly closed or not?

The reason behind this check is, my credit history spans for 7+ years. I have paid all my dues on time. Yet the CIBIL score is 748.

 

[shrewdoc]

Yes, it's Closed on 02/02/2017 and you paid 100 bucks extra.

You can ask for the money back if you'd like by contacting customer care.

 

[Skylar]

I have closed one of my earlier credit cards in 2017 (please refer to attachments). I'm not sure whether it is closed properly. Can anyone please verify whether my credit card account is properly closed or not?

The reason behind this check is, my credit history spans for 7+ years. I have paid all my dues on time. Yet the CIBIL score is 748.

If that card is being shown in Closed cards sections its closed bro.

- There could be some other reason for 748 score.

 

[zacobite]

I have closed one of my earlier credit cards in 2017 (please refer to attachments). I'm not sure whether it is closed properly. Can anyone please verify whether my credit card account is properly closed or not?

The reason behind this check is, my credit history spans for 7+ years. I have paid all my dues on time. Yet the CIBIL score is 748.

hi.. everytime a card is closed your bank has to give you a no dues/ NOC/ Closure letter.. Pls get that going forward for any card being closed..

 

[Hanush Kumar]

hi.. everytime a card is closed your bank has to give you a no dues/ NOC/ Closure letter.. Pls get that going forward for any card being closed..

Sure, thanks

 

[Hanush Kumar]

If that card is being shown in Closed cards sections its closed bro.

- There could be some other reason for 748 score.

My auto loan is the one impacting my score it seems. Since I've got two credit cards recently, does keeping their CUR under 30% help improve this metric?

 

[zacobite]

My auto loan is the one impacting my score it seems. Since I've got two credit cards recently, does keeping their CUR under 30% help improve this metric?

88% is v high.. but chk official cibil if u can.. it can be leverage.. auto loan cannot be counted as utilization

 

[Hanush Kumar]

88% is v high.. but chk official cibil if u can.. it can be leverage.. auto loan cannot be counted as utilization

I'm using the CIBIL app by transunion. I don't find the CUR in that app. Where can I find that?

 

[zacobite]

I'm using the CIBIL app by transunion. I don't find the CUR in that app. Where can I find that?

main page below score : Credit card usage

 

[Hanush Kumar]

I think there's some mistake in that onecredit app. 88% is not for credit cards but for auto loan. Credit cards are yet to be reflected in my cibil. You can check at the bottom of the screenshot

 

[zacobite]

I think there's some mistake in that onecredit app. 88% is not for credit cards but for auto loan. Credit cards are yet to be reflected in my cibil. You can check at the bottom of the screenshot

yes plz... use original CIBIL app.. Try CIBILGFF50 Voucher to get 50% off on Original CIBIL. app.. Just heard about this.. not sure if still active

 

[Hanush Kumar]

yes plz... use original CIBIL app.. Try CIBILGFF50 Voucher to get 50% off on Original CIBIL. app.. Just heard about this.. not sure if still active

Thanks a lot. It's active.

 

[zacobite]

Thanks a lot. It's active.

super.. u can use multiple times also.. will keep adding to the time