HDFC CREDIT CARD VERY BAD FOR YOUR CIBIL SCORE

(The issue is Fixed By HDFC Bank)

[ambareeshshrivastav]

No need to worry. It's just the high limit probably, so problem with the one score app. For me also same situation, but if you request a report directly from CIBIL, it shows credit limit as blank. This is bcoz HDFC doesn't report credit limit to CIBIL, as it isnt a mandatory thing as per laws.

[maxmobiledeal]

Income Tax se bachne ka best Tarika hai HDFC card le lo kharch karo but civil ko report hoga 25000

[harshavardhan]

HDFC reports only the limit used. So, in your case, the 25k might be the highest limit used so far and cibil assumes your max limit is 25k.

[newyoutuberindia]

mera to 17k ka limit hai phir bhi 25k dikha raha hai cibil me😂😂😂

[decentrohitjaiswal]

Mera bhi yehi experience hai. First time aap 90% tak utilisation karlo. Ek baar ke liye cibil affect hoga.. uske baad se 30% ke andar use karo. For example, 2L hai total credit limit, aap kareeb 1.8L first time use karlo. Us ke baad se 30% ke andar use karo jaha max. 50, 000 tak use karlo. Toh next time se cibil pe show hoga 1.8 L total limit mein aap ne 50, 000 hi use hua hai aur tab se cibil improve ho jayega.

[CaptAnisNaik]

Very useful information thank you dil se brother

[plantg-fz]

have you decreased the limit of your hdfc creditcard ?

[RishiRajMusa]

That 3, 50000 is your upper limit. It means your card can be upgraded up to that limit if you use your card well, but your starting limit will be 25000.
I also had a Credit card with an upper limit of 5lakh but in the beginning I got just 90k and when I used it for a year or two I got an offer to upgrade it to 450k. Hope you understand.

[Itsmedevesh_]

Jitna maximum amount use kiya hoga wohi show krega credit limit me ..

[indocoreyt]

Once use maximum limit provided in HDFC card, wait until bill generation. Which ever the maximum limit you used before - will be the over all credit limit 🤣😂

[arindambera]

Actually, Hdfc is the only bank who mainly value equifax credit portal more than cibil credit portal. Thats the reason they dont care about cibil credit score & rarely update customer credit report on cibil portal.

[kp_vlogs]

Pura limit use kr skte ho. Bs bill generate hone se phele paise pay kr dena. Fir credit utilisation km hi rhega🤟

[parab.nagesh]

Kyaa sahi kaha aapne...agar credit score kharaab karna hai toh hdfc kaa credit card le sakte ho...😂😂😂

[ontherocks]

In my hdfc there are not showing any limit only
And I took instant loan from CREDIT card and in cibil it’s showing I’m using 89% of my limit because of that loan

[fluffybunny]

If you use more then 30% of your limit it will decrease your cibil, take 3 to 4 credit card then spent 30% of total limit of 4 card, then check once again.

Baki agar EMI karna he to koi effect nahi hota

[arvcruise]

Hdfc doesnt report credit limit sir. The heighest spend is taken as heighest limit.

[dhruvkumar]

Lol, HDFC report the maximum you've used till date, so if your usage is approx 30k each month, so use 100k for one time & let bill generate. It'll show 100k in CIBIL, since then you can use it normally. It'll be one time pain only.

[fullfunn]

I have 16 bank credit cards with total limit of 50, 00, 000. Hdfc is one of the best credit card. Your limit may not have been updated online or you are misguiding with wrong data.

[sumitrathore]

Same thing happens with me
My limit is 2lakh but in cibil it is showing only 50k

[shahawarhaider]

It is not a problem.... Cibil shows maximum amount that is used by you as credit limit.