my cibil fatched by hdfc bank but didn't show me chose cc

[shyam vadher]

HELLO GUYS,
YESTERDAY I APPILIED FOR HDFC BANK CREDIT CARD I GIVEN MY DETAILS & BANK ACCOUNT DETAILS PERFECTLY THEY FATCHED BY CIBIL AND PUT ME BACK IN PAGE TO IDENTIFY YOURSELF WHEN I DID EVERYTHING AGAIN THEY WANT AGAIN TO FATCH MY CIBIL I DONT AGREE TO THAT WHAT SHOULD I DO NOW THEY DIDN,T SHOW ME CHOOSE MY CARD PAGE AND MY CIBIL IS CHANGED . WHAT STEP SHOULD I TAKE NOW?

 

[advisor]

You should ask hdfc Bank for why double hard Inquires required for which CIBIL will be down . You can raise a complaint with hdfc bank & CIBIL website after login. It happened to me also . I also raised complaint to both of them . But the banks response was phenomenal, the CIBIL enquiries are done with customers consent only .. Banks and NFBC are the main culprits for lowering the CIBIL score. For my auto loan SBI had made. 4 CIBIL enquiries in CIBIL database ... RBI should give strict direction to the banks & NFBC to do only one time check, not multiple times. It's high time. CIBIL transunion itself is a third party which only relies on bank & NBFC datas to generate anyone's cibil report. It's a useless organisation.
I think RBI & Finance department should take the responsibility of CIBIL & banks doing their monopolies & give them strict direction. Multiple enquiries should be removed for the same thing, a circular should be passed by the government or RBI to protect CITIZENS rights..

Anyone wants to add their experience...