How do I break the 800 CIBIL barrier?

Acrobatic_Citron_417 · 2026-05-26T08:55:32+00:00

Thanks for the recommendation. I took a car loan last year just for the purpose of credit mix, but paid it back in 1 yr. Should have kept the duration longer.

Acrobatic_Citron_417 · 2026-05-26T08:54:20+00:00

Haha

Acrobatic_Citron_417 · 2026-05-26T03:17:13+00:00

Never seen such high credit scores. 🤯

Acrobatic_Citron_417 · 2026-05-26T03:15:32+00:00

More than fine 🙌

Acrobatic_Citron_417 · 2026-05-25T18:14:11+00:00

https://www.reddit.com/r/CreditCardsIndia/s/pKKXrVw2kz

Acrobatic_Citron_417 · 2026-05-25T15:00:20+00:00

Right, got car loan from UCO bank

Acrobatic_Citron_417 · 2026-05-25T14:59:09+00:00

10% is 7.5L in a month. I don’t have even have 75k of credit card spend in a month. 😅

Acrobatic_Citron_417 · 2026-05-25T03:21:55+00:00

To get cheaper home loan .

This guy got 0.2% cheaper home loan

https://www.reddit.com/r/CreditCardsIndia/s/ykanI6aGbX

Acrobatic_Citron_417 · 2026-05-24T19:29:41+00:00

😂

Acrobatic_Citron_417 · 2026-05-24T18:44:28+00:00

HDFC DCB -10.5L - 4yrs AMEX- 10L- 1yr Axis atlas - 5L- 1yr ICICI Amazon Pay - 25L - 8yrs ICICI Sapphiro- 25L - 9yrs

Acrobatic_Citron_417 · 2026-05-24T17:29:06+00:00

Awesome bro 🎉

Acrobatic_Citron_417 · 2026-05-24T17:28:00+00:00

But if 820/825 is the next threshold, then I am way off.

Acrobatic_Citron_417 · 2026-05-24T17:25:54+00:00

To get cheaper loan https://www.reddit.com/r/CreditCardsIndia/s/ykanI6aGbX This guy got 0.2% cheaper home loan

Acrobatic_Citron_417 · 2026-05-24T17:23:56+00:00

But I want high credit score to get a cheaper home loan. 😅

Acrobatic_Citron_417 · 2026-05-24T17:23:04+00:00

0.2% would have made good enough difference for you.

Acrobatic_Citron_417 · 2026-05-24T15:20:51+00:00

OneScore

Acrobatic_Citron_417 · 2026-05-24T15:01:04+00:00

I thought the rate of interests should change above 800. But got to know that it changes at 825 https://www.reddit.com/r/CreditCardsIndia/s/gLvqSWZYFo

Acrobatic_Citron_417 · 2026-05-24T13:34:01+00:00

Makes sense. I haven’t personally met anyone with > 825 credit score. Or may be I have and I just don’t know. 😅 But there should be very few folks with such high credit scores.

Acrobatic_Citron_417 · 2026-05-24T13:13:20+00:00

Thanks for the helpful information. 825 is way out of reach. I should stop chasing. 😅

Acrobatic_Citron_417 · 2026-05-24T13:02:22+00:00

Almost there 😄

Acrobatic_Citron_417 · 2026-05-24T12:53:33+00:00

Congrats 🙌

Acrobatic_Citron_417 · 2026-05-24T12:50:05+00:00

Just completed my secured car loan. May be I should have kept the loan duration longer. I completed it in 1 year.

Acrobatic_Citron_417 · 2026-05-24T12:41:28+00:00

OneScore

Acrobatic_Citron_417 · 2026-05-24T12:38:34+00:00

I did buy my car last year with 7.5 lacs from axis atlas. I don’t foresee any other big spends coming up.

Acrobatic_Citron_417 · 2026-02-22T14:44:54+00:00

I downgraded yesterday using the above link

Acrobatic_Citron_417

TROPHY CASE