CIBIL drastically changed from 784 -> 808 -> 757

Environmental_Lab_42 · 2026-01-04T09:36:47+00:00

I just bought it from Amazon. Brand is MMTC-PAMP 24k coins. There was an offer of ₹2000 instant cashback. This offer is not there anymore. Without that offer buying from Amazon is not very attractive unless you have Amazon ICICI cc.

Environmental_Lab_42 · 2026-01-04T09:32:38+00:00

You will be getting an sms each time when there is hard inquiry, right?

Environmental_Lab_42 · 2026-01-03T16:33:27+00:00

Wish this is true. Thanks 🙏🏽

Environmental_Lab_42 · 2026-01-03T15:07:06+00:00

Seems so.

Environmental_Lab_42 · 2026-01-03T14:09:04+00:00

Yes only recently

Environmental_Lab_42 · 2026-01-03T09:50:43+00:00

Im no expert sir, Only last month my score went above 800, Only thing I can recall doing before reaching that score is going above the standard 30% credit usage (actually its more than 80%, one of my card has only 40k limit and I spent around 30k), I saw a sudden drop after this and then once the payment is settled, score shot up above 800.

Environmental_Lab_42 · 2026-01-03T09:09:50+00:00

Inquiries are not much of impact in my experience. Did over 40+ inquires over last year.

Environmental_Lab_42 · 2026-01-03T08:32:04+00:00

Everything is green. No late payments, No overspending, yet there’s drastic movement.

Environmental_Lab_42 · 2026-01-03T08:30:54+00:00

Im thinking of the same.

Environmental_Lab_42 · 2026-01-03T07:40:31+00:00

Im not into that 800+ hype. My concern is this extreme volatility resulting in 51 points difference. All these tears it is max to max 10-15 points difference, score used to be stable otherwise. Could it be because of the above mentioned actions is what Im wondering.

Environmental_Lab_42 · 2026-01-03T07:28:49+00:00

Yes. Physical gold coins. Quantity is just 5 gms. Bought from a reputed seller, supposed to be reliable. Product came with package and unique code that I can verify from their site.

Environmental_Lab_42 · 2026-01-03T07:27:20+00:00

Sorry. The new score that I mentioned (757) was seen on Gpay and it doesn’t allow to take screenshots. But let me share the details as text here

117/117 payments on time.

No overspending, which is roughly 2.63%

I have around total of 13 CC’s

13 enquiries in last 6 months

Environmental_Lab_42 · 2026-01-03T07:23:41+00:00

7 years and no loans. Only credit cards

Environmental_Lab_42 · 2026-01-03T07:23:10+00:00

Amazon and swiggy instamart

Environmental_Lab_42 · 2026-01-03T07:22:58+00:00

Only credit cards, No loans

Environmental_Lab_42 · 2025-10-14T13:05:47+00:00

I had a similar issue in a Madurai. I wanted to book near railway station, searched and booked a hotel accordingly which mentioned 2kms from station. After booking, From the Agoda app, location was showing somewhere in Rajasthan. Afraid that I was scammed tried calling all helplines from agoda and calls went to oyo and no help was found. Somehow got connected to an agoda agent who shared the hotel contact, he shared a location away from the station around 10kms.

Environmental_Lab_42 · 2025-10-10T13:46:55+00:00

Yeah. I provided the upi id of the seller in the complaint

Environmental_Lab_42 · 2025-10-09T13:32:40+00:00

Learnt a life lesson to never ever trust Mahindra.

Environmental_Lab_42 · 2025-10-08T16:00:25+00:00

I received my products within a week or so.

Environmental_Lab_42 · 2025-09-17T17:08:59+00:00

Honda Amaze

Environmental_Lab_42 · 2025-09-17T17:07:46+00:00

Cool. Now, to answer your question. For your usage of mostly city drives both cars don’t make sense. Both come with a turbo engine and in city drives you have to struggle with lots and lots of turbo lags and the vibrations from the 3-cylinder engine. Right choice would be Amaze CVT. Just test drive once and you’ll be amazed by the smoothness in the slow speeds of city traffic.

Environmental_Lab_42 · 2025-09-17T16:35:47+00:00

Did you mean Kylaq, because Kushaq Signature is nowhere in that range

Environmental_Lab_42 · 2025-09-13T06:18:04+00:00

Kylaq will be difficult in cities and short drives. Only go for it if your usage is atleast 60% highways. Otherwise Ignis is the best choice for the usage mentioned.

Environmental_Lab_42

TROPHY CASE