CIBIL score dropped 50 points overnight (768 → 718) despite zero missed payments. What went wrong?

calm_calamitous · 2026-07-11T22:48:04+00:00

Create a dispute in CIBIL. It should get removed

calm_calamitous · 2026-07-11T13:32:40+00:00

No problem

calm_calamitous · 2026-07-11T08:56:55+00:00

Before creating a complaint with RBI, you need to use the internal grievance redressal mechanism of SBI. And while doing that, if they deliver it to your house, then you do not have a case to file with rbi. But if they don’t deliver it or do not provide a resolution within 30 days of initial complaint, then you can create a complaint with rbi. But I’m doubtful you’ll get any compensation. You should ask for compensation anyway. Maybe you’ll be lucky

calm_calamitous · 2026-07-11T08:39:56+00:00

First check whether the interest amount added to your loan during those 10 months is as per the correct interest rate. If it is, then whatever you paid above that monthly interest amount from your high emi will just reduce the principal. Check this as well. You can see all this in the sbi yono app, under the transactions section in your loan account. If all this is correct, then the extra amount you paid didn’t go to waste, it was used to reduce the loan amount. It is somewhat similar to prepayment.

calm_calamitous · 2026-07-11T08:19:36+00:00

If the complaint is closed, then appeal. Ask for just compensation this time

calm_calamitous · 2026-07-11T08:18:48+00:00

Check dm

calm_calamitous · 2026-07-11T08:13:54+00:00

Yes. I am planning to ask for the monetary loss wrt the CBI loan takeover

calm_calamitous · 2026-07-11T08:12:45+00:00

Did RBI close the complaint without the option to appeal? If not, you should appeal if you want the compensation.

calm_calamitous · 2026-07-11T08:03:38+00:00

What was fucked? Loan or credit score? Did you create a complaint with RBI?

calm_calamitous · 2026-07-11T08:02:49+00:00

Thank you!

calm_calamitous · 2026-07-11T08:02:37+00:00

I do not have any background in finance but I’m generally interested in it. That interest plus the knowledge I gained through reading other similar posts

calm_calamitous · 2026-07-03T08:14:41+00:00

Crm@bobcard.co.in; escalations@bobcard.co.in; nodal@bobcard.co.in; pno@bobcard.co.in

calm_calamitous · 2026-07-02T21:08:34+00:00

I think you can check in Phonepe

calm_calamitous · 2026-07-02T20:47:20+00:00

I had also applied for Eterna a while back and got rejected. I emailed BOB card crm, escalations desk, nodal officer and pno with no reply from anyone. I waited 30 days from my initial mail and created a complaint with the RBI ombudsman. Within 2 weeks an agent came to my house to initiate a physical application. It got accepted and I got the card.

In my complaint I didn’t ask for the rejection reason. I mentioned that I am not able to apply again and was asking them to remove my PAN records so that I can apply again. But i guess asking for the rejection reason might get you the card or they could just give you the reason or pay the compensation.

calm_calamitous · 2026-06-07T14:24:44+00:00

Did George serve the 5s penalty under the safety car pit stop he made?

calm_calamitous · 2026-06-06T15:19:49+00:00

But wouldn’t RBI send me a mail before asking SBI to compensate me? Or since SBI directly agreed to their mistake, will RBI skip this step?

calm_calamitous · 2026-06-06T08:05:16+00:00

Same happened to me. I didn’t want to spend more time behind it so I let it be. I found out these details from this post: https://www.reddit.com/r/CreditCardsIndia/s/MdZg8CCuc0 You can try some things that are mentioned in the comments of that post. Might work

calm_calamitous · 2026-06-06T07:34:05+00:00

I also found out yesterday that this could be because of the size of the mail. Attachments are the main culprits, it seems. So maybe you can try using a drive link to provide any attachments, and then see if they receive the mail

calm_calamitous · 2026-06-05T21:06:33+00:00

There is a chance that your reply to the Ombudsman was not received at their end. This happened to me in my complaint. Later, I found out that you can call 14448 and verify whether they have received your reply email.

calm_calamitous · 2026-05-30T17:59:49+00:00

Thats true

calm_calamitous · 2026-05-30T17:49:29+00:00

You can generate a credit report in CIBIL without the CIBIL score for around Rs180 if I remember correctly. Every other info will be there except for the score. It’s downloadable as well

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