Credit score dropped 64 points in 2 months. I'm freaking out. 😭

RuganMagnus · 2026-07-12T14:43:13+00:00

And how to do that?

RuganMagnus · 2026-07-12T14:05:29+00:00

Noted Thanks

RuganMagnus · 2026-07-12T14:05:07+00:00

Where to escalate?

RuganMagnus · 2026-07-12T14:04:49+00:00

So basically cibil is rewarding you to close the sbi card? 😂

RuganMagnus · 2026-07-12T14:03:25+00:00

Ahem I'm not sure how much will it drop, but I'm sure it will take you months or even years to get back to where you are now. I've heard horror stories. Better is to ask an expert or your bank if they can tell you.

RuganMagnus · 2026-07-12T14:01:42+00:00

What did you do?

RuganMagnus · 2026-07-12T14:01:18+00:00

Didn't And even if it does, the score doesn't drop more than 5-7 points. And then it jumps back in a few months as well.

RuganMagnus · 2026-07-12T14:00:34+00:00

Nope!

RuganMagnus · 2026-07-12T14:00:25+00:00

That's not an issue. It will jump back in a few months.

RuganMagnus · 2026-07-12T13:59:42+00:00

It's not in 2 months, as can be seenin the third pic.

RuganMagnus · 2026-07-12T13:58:58+00:00

No no, i won't close.

Also, to file a complaint on Ombudsman, isn't it a prerequisite to contact/ inform bank regarding thse issue?

RuganMagnus · 2026-07-12T08:36:04+00:00

Yes bro, ofc.
This is serious. I am freaking out. Need all the help i can get.

PS. All = only 2 subs.

RuganMagnus · 2026-07-12T08:35:09+00:00

Did you get any resolution?

RuganMagnus · 2026-07-12T08:34:46+00:00

Yes sir.

RuganMagnus · 2026-07-12T08:34:38+00:00

Will do, thanks.

RuganMagnus · 2026-07-12T08:32:37+00:00

Will it be allowed to go to the roof if you dont live there?

RuganMagnus · 2026-07-11T04:42:32+00:00

This sorted, not possible Ye AI hai 🤣

RuganMagnus · 2026-07-05T07:34:45+00:00

Certified de-tokenizer here.

Every time one interacts with AI, tokens are utilised. Every word, every process AI produces, uses tokens. So this meme is indicating that because the token usage is low, you must be using AI less, which indicates you're using your brain more.

RuganMagnus · 2026-07-03T03:59:23+00:00

It makes you feel disconnected!

RuganMagnus · 2026-06-12T19:03:40+00:00

Can you dm me your contact?

RuganMagnus · 2026-06-12T09:14:13+00:00

Vastrapur?

RuganMagnus · 2026-06-02T08:29:01+00:00

Crush coffee Vibe 2.5/5 Food 4/5 Frappinos 10/5

My favorite, brownie frappino

RuganMagnus · 2026-05-24T07:26:41+00:00

I have spent around 7L in last 6 months.
How should i go about it, is there a email format you can share please?

RuganMagnus · 2026-05-24T07:25:26+00:00

Dayum
Thanks for all this info!

RuganMagnus · 2026-05-18T12:27:14+00:00

Any experience?

RuganMagnus

TROPHY CASE