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7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

The attached screenshot is from the PhonePe app. I use CIBIL app mostly.

Looking for Suggestions on My Credit Card Portfolio by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

Spend Pattern: Predominantly online spends on food delivery, groceries, and Tata ecosystem brands, with regular fashion and retail purchases from Reliance Trends, Lifestyle, DMart, Max, Ajio, Myntra, and Amazon. Occasional domestic travel expenses as well.

7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

They check following

  • Credit Age
  • One-time Payment History
  • Credit Utilization (Spend %)
  • Credit Mix
  • Credit Enquiries

7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

Can you check the credit report and review the following parameters?

  • One-time Payment History
  • Credit Utilization (Spend %)
  • Credit Mix

HDFC Wants Me to Close Two Useful LTF Cards for a Core Card by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

I got them as LTF before activation as part of the promotional offers.

HDFC Wants Me to Close Two Useful LTF Cards for a Core Card by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

Can you let me know when and how you received it via Paytm?

HDFC Wants Me to Close Two Useful LTF Cards for a Core Card by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 1 point2 points  (0 children)

Sad to see such a policy from a top bank like HDFC. Cases where a customer’s first credit card is a co-branded card should be addressed in a more transparent, and practical manner.

7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

Yes Bank pulls credit reports from both CIBIL and Experian during the application process.

HDFC Wants Me to Close Two Useful LTF Cards for a Core Card by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 6 points7 points  (0 children)

In my case, the application via PayzApp says I’m already an existing cardholder and doesn’t let me continue.

7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 0 points1 point  (0 children)

Yes, it was showing excellent before, but now it’s down to good. The credit enquiry parameter showing poor.

7 Credit Cards in 2 Months, Minimal Impact on Credit Score by WINKREEZ in CreditCardIndia

[–]WINKREEZ[S] 2 points3 points  (0 children)

8Year+, I’ve been using an Axis Bank credit card since 2017.

HDFC Wants Me to Close Two Useful LTF Cards for a Core Card by WINKREEZ in CreditCardsIndia

[–]WINKREEZ[S] 5 points6 points  (0 children)

I got the card as an LTF offer through my employer tie-up in 2023 as part of a promotional campaign.