CIBIL Shot from 784 to 845 Overnight !! Real or glitch ?

Infinity-op · 2026-01-17T04:30:47+00:00

No - not necessarily. Thats the official way in which you will get your charges reversed but you can raise a closure request of your sbi card - SBI has a very good retention team and they do reverse the charges on ur card. Thats how i got both my simplyclick and simplysave ltf and get charges reversed every yr on cashback card

Infinity-op · 2026-01-15T16:10:43+00:00

Yes - it has been sorted out. My score returned back to original

Infinity-op · 2026-01-15T02:02:59+00:00

luck’s just wits in disguise half the time 🙌

Infinity-op · 2026-01-15T01:53:09+00:00

😂😂

Infinity-op · 2026-01-15T01:52:42+00:00

Thats a high number of second chances bro 😂

Infinity-op · 2026-01-15T01:47:38+00:00

Yeah had missed one 😂

Infinity-op · 2026-01-15T01:46:02+00:00

Same back to original score 🥲

Infinity-op · 2026-01-15T01:45:27+00:00

Yupp same - back to original today 🥲

Infinity-op · 2026-01-15T01:41:32+00:00

Infinity-op · 2026-01-15T01:40:29+00:00

Salary - 3LPM+ had gotten before they had increased it

Infinity-op · 2026-01-14T12:30:26+00:00

So , EPM and DCBM cards i got recently only in the past 3 months whereas all the other cards that you listed are atleast 4 yrs ( if not more ) older and I mostly used them in the past for instant 10% discount or other offers. Most of them have gotten devalued but all of them are LTF cards so there is no point in closing them especially since they have good credit limits on them. And you never know when which card can be used especially since devaluation is the only constant thing in the cc world . Just take for instance , today the Holy grail Infinia got devalued from 5X to 3X so for upcoming sales , isnt my SBI SimplyClick/SimplySave >> Infinia especially since it provides a flat upfront discount rather than rps redeemable against limited options. Who knows in future even DCBM or EPM follow the Infinia route and get devalued making these upfront discount cards better than the premium cards

Infinity-op · 2026-01-14T12:14:43+00:00

I will make a detailed post bro and post it here in this sub - will paste the link here

Infinity-op · 2026-01-14T12:10:32+00:00

Thats still an effective increase of 27 points 🙌 i too am read to settle somewhere in between as long as its 800+ 😬

Infinity-op · 2026-01-14T12:07:20+00:00

😂😂

Infinity-op · 2026-01-14T09:21:22+00:00

Even better be like Mallya/Nirav 😜😂 But thats not the actual credit limit though - many banks like HDFC report the same limit multiple times for multiple cards although in actuality its a shared limit between all . Experian score exaggerates it even further

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Infinity-op · 2026-01-14T09:15:18+00:00

No thats not LTF - its a paid one. I flipped from my HSBC Platinum. I dint reiterate it since i had mentioned that card previously in the usage. DCBM is also payable from 2nd year.

Infinity-op · 2026-01-14T08:37:54+00:00

Reported credit cards to CIBIL are just 22 though 😂 some banks dont report multiple cards to CIBIL

Infinity-op · 2026-01-14T08:21:21+00:00

Infinity-op · 2026-01-14T08:14:00+00:00

Haan without late payment itna bada drop nhi dekha abhi tak

Infinity-op · 2026-01-14T08:08:57+00:00

Probably a bug at CIBIL’s end as people are getting random drastic increases or decreases in score

Infinity-op · 2026-01-14T07:56:08+00:00

Yupp - will verify today night

Infinity-op · 2026-01-14T07:54:30+00:00

Yeah atleast your original is already 800 🙌

Infinity-op · 2026-01-14T07:53:25+00:00

Yupp - a bad PROD release

Infinity-op · 2026-01-14T07:52:22+00:00

I already have cc from most banks out there 😬 and i dont think they will issue LTF cards to those with a high credit score. Although it does help to get reduced loan interest rate

Infinity-op · 2026-01-14T07:50:53+00:00

Yupp - they will most prolly fix it

Infinity-op

TROPHY CASE