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  • CIBIL Report

    A CIBIL report is computed by TransUnion CIBIL, which is the first credit bureau in the country. The information about all your loans (home, auto, and personal), credit cards, bill payments, enquiries, and CIBIL score are present in your CIBIL report.

    A CIBIL report is prepared by the TransUnion CIBIL credit bureau. It is a detailed summary of your credit history. It records the type of loans (home, auto, and personal) and credit cards that have been availed by you over a period of time.

    A CIBIL report is also known as a credit information report. It helps lenders take sound decisions about lending credit to potential borrowers. CIBIL collects your credit data from lenders such as banks, credit card companies, non-banking finance companies (NBFC), and housing finance companies. With the help of your report, lenders can measure your creditworthiness and decide if you have the ability to repay the borrowed amount.

    A CIBIL report contains six main sections. Let’s learn about them in detail.

    Components of a CIBIL Report:

    CIBIL Score:

    A CIBIL score is a 3-digit number that falls in the range of 300-900. It is calculated by the CIBIL credit bureau after taking into consideration factors such as credit history and repayment behavior. A CIBIL score in the range of 750-900 is considered as a good score. A higher CIBIL score suggests you have a high creditworthiness. It increases your chances of getting a good deal on loan interest rates as well as credit cards.

    Personal Information:

    As the name suggests, this section contains your personal information such as name, date of birth, unique identification numbers like PAN and Aadhaar. You need to make sure that the personal details are accurate in the report. These details are reported to the bureau by the bank.

    Contact Information:

    This section will have your mobile number, telephone number, residential address, and email address.

    Employment Information:

    This section of the CIBIL report contains your employment information. It will specify the type of your occupation such as salaried, professional, or business. It will also mention your monthly or annual income as reported by banks.

    Account Information:

    This is the most important section of your CIBIL report as it contains records of your credit accounts. It will mention the loans and credit cards you have taken. The report will also mention the lenders’ names and loan amounts. The report will record your defaults, late payments, amount overdue, current balance, date opened, and date of last payment.

    It contains a month-on-month record of your payments toward your loan EMIs as well as credit card bills for up to the last 3 years. You should ensure that the loan details reflected in the account are accurate. Discrepancies in your credit report can reduce your chances of getting a loan approval.

    Enquiry Information:

    This section records all the enquiries made by lenders in the past. An enquiry takes place when a lender pulls out your CIBIL report from the bureau to check your creditworthiness. The date and purpose of the enquiry is also mentioned in the report. The enquiry amount is also recorded in the report. It is advised to avoid making multiple credit enquiries in a short span of time as it may trigger hard enquiries from lenders, making you appear credit-hungry.

    Importance of a CIBIL report:

    When you apply for a loan or a credit card, lenders will check your credit report to know your credit status. It will help them know if you have been a responsible borrower in the past. A CIBIL report that displays prompt payment behaviour, low number of credit inquiries, and good credit history will increase your chances of getting approvals for future loans.

    Check your CIBIL Report for free:

    As per RBI’s mandate in 2017, all the credit bureaus in the country are required to offer one free detailed credit report to consumers with credit history every calendar year. You can visit CIBIL’s official website and get your free CIBIL report. You can check your Experian credit report by visiting BankBazaar.

    How to get a CIBIL Report?

    Currently, there are 3 types of subscription plans you can choose to get your CIBIL Report:

    • 1 Month – Rs.550
    • 6 Months - Rs.800
    • 1 Year – Rs.1,200

    Step 1: Once you select the plan, you will need to create an account by filling up basic information like email address, name, mobile number, date of birth, and identity proof (driver’s license, PAN card, passport, voter ID, ration card number).

    Step 2: Verify your identity. CIBIL will either send you an OTP to verify your details or ask some questions to confirm your identity.

    Step 3: Make the payment.

    It is a good habit to check your CIBIL report from time-to-time as it gives you an idea of your credit status.

    Key Terms and Keywords That Feature on Your CIBIL Report:

    A CIBIL report is a summary of your detailed credit behaviour. It consists of various sections that offer detailed information ranging from your personal information, home or auto loan availed, overdraft facilities, personal loan, and much more. In addition, the CIBIL report consists of your CIBIL score and history. There are several key terms and keywords that are present in your CIBIL report that will help you understand the report in a better way.

    Cash Limit: Cash limit refers to the amount of cash on your credit card that you are allowed to use.

    Amount Overdue: It indicates the total amount that has not been paid to the lender in a specific time.

    NA/NH: NA means No Activity while NH means No History. This means you have no credit history or not even a credit history to get scored. The NA/NH term also means you have no credit activity for a couple of years. Finally, it also suggests that you do not have any add-on credit cards and have no credit exposure.

    DPD: Days Past Due refers to the number of days that have passed since the due date of the payment. It must be noted that anything over zero or even ‘Standard’ is bad.

    Written-Off Amount: When a loan is written off there is an interest and principal component. This field reflects the total interest and principal amount written-off.

    Written-Off and Settled Status: If the status of an account is mentioned as written off, it implies that the borrower was unable to pay the outstanding dues for more than 180 days and as a result, the lender has written off the unpaid dues. If the status of an account is mentioned as settled, it implies that, the borrower in consent with the lender, has partly paid the dues against the total outstanding amount.

    SMA: Special Mention Account refers to a special account created for reporting a standard account that is moving towards a sub-standard.

    CN: Control Number acts as a reference number in case there is some incorrect information in the credit report. It is presented at the top of the document.

    Repayment Tenure: It refers to the term of your loan. In order to understand it accurately, repayment tenure should be read with ‘Payment Frequency’.

    SUB: Sub-standard refers to accounts (loan/credit card) payments that are made after 90 days.

    LSS: It refers to the account where the loss has been identified and remains uncollectible.

    DBT: It means an account that has continued to remain in the sub-standard account status for 12 months.

    Actual Payment Amount: It is the amount you have paid the lender if it is different from the EMI amount. The actual payment amount can be higher or lower than the EMI amount.

    Current Balance: It refers to the amount that you still owe on a certain credit facility.

    STD: This entry is termed as (Standard) and is found against loan/credit card accounts, if the credit payments are made in a timely manner, or within 90 days from the due date.

    FAQs on CIBIL/Credit Report:

    How do you correct errors in your CIBIL credit report?

    RBI has made it mandatory for banks to comply with an individual's desire to access his or her credit report. If a bank declines a credit card or loan application, you can ask for the control number of your CIBIL credit report. You can then contact CIBIL at info@cibil.com and communicate details of errors in the report.

    Do I need a form to apply for a CIBIL credit report?

    Yes, you need to apply for credit reports using forms published by CIBIL. You can get these forms from their website.

    I don’t want my CIBIL TransUnion Score, just the credit report. Is that possible?

    Yes, if you want just the credit report then you can apply for it without having to take the TransUnion score along with it.

    How long does it take for the CIBIL credit report to reach?

    If you check your CIBIL score for free or purchase any of the subscriptions plan online, you can access your report instantly upon successful authentication. In case of unsuccessful authentication, you will need to upload your KYC documents for verification. Upon verification, your CIBIL credit report will sent to your registered mailing address in 7 business days via Courier/ Speed Post/ Express Delivery.

    What are the documents required for the CIBIL credit report?

    Along with the application form, you will need to send an ID proof and an address proof. This applies even to companies, in whose case you will have to send the ID and address proof of the authorised signatory.

    Is there any time stipulation on when the supporting documents should reach CIBIL?

    Yes. The supporting documents, ID and address proof should reach CIBIL within 7 days of your application for the generation of a credit report.

    How will the report be sent to me?

    It will be sent within 7 business days via Courier/ Speed Post/ Express Delivery.

    >What happens if I am not there to receive the report?

    The delivery service will make only two attempts to deliver the report at your address. If you are not there to receive it a second time then it will be returned to CIBIL and you will have to apply for the report all over again.

    What happens if I have made mistakes on the application form?

    CIBIL will tolerate up to 3 mistakes on the credit report. If you make more than 3 mistakes then your application will not be processed.

    >What if I send the wrong details by mistake?

    If your details are wrong but match another person then the report will be generated and sent to them at your cost.

    What happens if the address in my CIBIL account and the address proof don’t match?

    If your address proof does not match the one that CIBIL has on record then your application will not be processed. You can update your address by sending KYC documents along with any other supporting documents needed.

    How can I pay for the credit report?

    You can pay for the credit report using a demand draft, credit card, debit card or through net banking.

    News About CIBIL Report

    • SME credit lending records 15.6% growth YoY

      The small, medium enterprises (SME) recorded a 15.6% increase in credit lending as of March 2019, according to a latest report by credit bureau TransUnion CIBIL. Meanwhile, micro-enterprises that have a credit exposure less than Rs.1 crore, recorded an increase of 19.8 per cent year-on-year (YoY) to Rs.4.8 lakh crores from Rs.4 lakh crores, reported Financial Express.

      The report further stated that growth in credit for SMEs was at 15.6 per cent YoY to Rs.11.1 lakh crores from Rs.9.6 lakh crores. Total credit exposure as of March 2019 was Rs.116.7 lakh crores with maximum share to corporate segment with 55 per cent with Rs.64.1 lakh crores exposure. The gross non-performing asset (NPA) ratio of the small and medium enterprises (SMEs) segment was at 10.8% for the quarter ended March 2019, according to the July 2019 edition of the MSME Pulse report by Transunion Cibil and Small Industries Development Bank of India (Sidbi).The NPA also declined with the overall gross NPA rate in commercial lending went down to 16.0 per cent in March this year from 17.2 per cent in March 2018.

      As of March 2019, the total on-balance sheet commercial lending exposure in India stood at Rs 64.1 lakh crore, with the micro and SME segments constituting Rs 15.9 lakh crore, or nearly 25% of all commercial credit outstanding. Large corporates accounted for Rs 42.3 lakh crore, or 66% of all outstanding commercial loans.

      23 July 2019

    • India Inc Delivers Six-quarter Low Revenue Growth in Q4FY19: ICRA

      Owing to weak consumer sentiments and softening of commodity prices, India Inc has delivered a six-quarter low revenue growth of 10% in the fourth quarter of FY19, as per a latest report from ICRA. The credit rating agency stated that financial results released by 642 companies in the corporate sector show revenue growth in Q4FY19 hit a six-quarter low at 10%. The revenue growth in consumer-linked sectors was only 3.8% in the fourth quarter of FY19 on a year-on-year basis, down from 27.9% in the third quarter of FY19. The revenue growth in commodity-linked sectors stood at 12.4% in Q4FY19 year-on-year, down from 51.4% in Q3FY19. ICRA’s Vice President (corporate sector ratings), Shamsher Dewan told PTI that since second half of FY19, the weakness in the consumer-linked sectors was visible across most consumer-oriented sectors such as passenger vehicles, two-wheelers, consumer durables and FMCG. The ICRA report further added that several sectors such as consumer durables, airlines, cement, and consumer food reported a sequential improvement in margins. This was mainly because of price hike initiated by companies in select sectors, lower cost of imports and softening in commodity prices.

      The credit rating agency stated that despite the reduction in debt levels and planned de-leveraging plans along with some improvement in operating profits, the coverage indicators would continue to remain weak for telecom companies over the near-term. Dewan further added that the commodity prices were higher on a year-on-year basis for both FY19 and Q4 FY19. Prices of key commodities such as oil, steel and aluminum had reduced on a sequential basis which supported an improvement in the EBITDA margins on a quarter-on-quarter.

      17 June 2019

    • ICRA Downgrades McLeod Russel’s Credit Rating

      ICRA has revised McLeod Russel's term loans credit rating. The credit rating agency has downgraded the tea firm’s term loans as well as fund-based bank facilities from ICRA A to ICRA BBB-. ICRA has also given a negative outlook to the term loans. Meanwhile, the credit rating firm has slashed the non-fund based bank facilities from ICRA A2+ to ICRA A3. As on 31 March 2018, the company’s exposure to group firms was Rs.650 crore. This recorded an increase to Rs.1,000 crore by 31 March 2019.

      Earlier in April, credit rating agency had revised credit rating and outlook on McLeod Russle. As per ICRA, the rating revisions have factored in further deterioration in McLeod’s liquidity profile due to a slower-than-anticipated progress on asset monetisation and continued pressure on the profitability of the core tea operations of the company. It also added that a majority of the proceeds from the sale of the second tranche of tea estates has been received recently with a delay. However, the tea company’s overall leveraging still remains high.

      9 May 2019

    • SC Quashes RBI’s February 12 Circular Against Bad Loans

      The Supreme Court (SC) has cancelled the 12 February RBI circular regarding bad loans. The move from the apex body is expected to bring delays in the bankruptcy proceedings. On Tuesday, the SC quashed the RBI circular and called it as “ultra vires as a whole”. This means the RBI had gone beyond its powers — and thus “of no effect in law”. The order was handed out by a bench headed by justice RF Nariman. As per the RBI circular, it was compulsory for banks to recognize a day's default in the companies and resolve the problem in 180 days. In case of a failure, such accounts must be referred to NLCTs for resolution for large account of Rs.2,000 crore and above. Speaking on the RBI ruling, Moody's credit rating agency stated that voiding of the circular will be credit negative for banks as it will significantly tighten stressed loan recognition and resolution for large borrowers.

      The credit rating agency also said the resolution of stressed loans impacted by the circular will be further delayed as the process may have to be started afresh. The circular also withdrew the loan resolution mechanisms the RBI had implemented, such as Corporate Debt Restructuring and Strategic Debt Restructuring. The credit agency had estimated total debt impacted due to the 12 February circular to be around Rs.3.8 lakh crore across 70 large borrowers of which Rs.2 lakh crore across 34 borrowers were in the power sector. Moody’s further revealed that the 92% of this debt have been classified as non-performing by banks as of March 2018 and also made provisions of over 25-40% on these accounts.

      4 April 2019

    • MSME Sector Witnessing Growth Owing to Digitisation

      Micro, Small and Medium Enterprises (MSME) sector witnessing a promising growth potential in today’s Indian economy. The dynamic sector has been driven by digitisation and data driven decisions. MSMEs are being able to access finances in a quick and affordable way due to a significant increase in digitisation.

      Thanks to a number of initiatives by the government such as MUDRA, PMEGP, CGTMSE, the MSME sector has seen growth even further. As per a latest report from TransUnion CIBIL- SIDBI MSME Pulse Report, commercial credit growth recovery has recorded an increase of 13.5% year-on-year (YoY) in the September 2018 quarter. Giving further insights, the report stated that there is a significant improvement in turn-around-time (TAT) on lending to MSMEs across credit institutions. TAT has registered an improvement for MSME segment underwriting to 26 days in 2018, as against 32 days in 2016. The study also revealed that 6.5 million businesses have taken loans from the banking sector for business. It further states that the total on-balance sheet credit exposure in India stood at Rs.105.5 lakh crores as of September 2018 of which MSME credit accounts for Rs.24.7 lakh crores, including credit to MSME entities and credit to individuals for business purposes.

      27 February 2019

    • PNB Housing Finance's NCD ratings plunges from 'AAA' to 'AA+'

       India Ratings and Research, the popular credit rating agency has downgraded PNB Housing Finance Ltd’s (PNBHFL) non-convertible debentures (NCDs) from “AAA” to “AA+”. The move comes from the credit rating agency following a change in the approach for ratings. As per the new norms, the credit assessment is based on the credit profile of PNBHFL, as against the previous approach that factored in the credit strength of the sponsor, Punjab National Bank. PNBHFL is among the top-five housing finance companies (HFCs) in India in terms of assets under management (AUM). PNB owns 32.8% stake in (HFCs) and has a 6% market share of housing loans. The credit rating agency has resolved the Rating-on-Watch Negative (RWN) status for HFCs due to the outcome of the stake sale and clarity regarding the new shareholders and its philosophy is limited at this stage. It also has a diversified funding profile with second largest outstanding deposits within HFCs. The change in the ratings approach comes at a time when the credit profile of the sponsor is weak as well as its stated intention to divest its stake in the company.  PNBHFL provides housing loans to individuals, which formed 58% of the total loans in H1FY19. Loans against property to individuals and wholesale loans such as high-ticket construction finance to builders, commercial term loans and lease rental discounting together formed the balance. Its loan products are mainly towards the medium-to-large ticket loans in metro and Tier-I cities (total 57 cities and towns across India), where competitive intensity in the mortgage space is on the higher side.

      10 January 2019

    • Here’s Why You Should Keep a Track of Your Credit Report

      A credit report is a summary of your current as well as past credit accounts and payments behaviour. It is computed by the credit bureaus in the country and comprises credit score, detailed credit information related to your credit accounts, loans, payment history, and closed accounts. Moreover, the credit report also includes personal information, details of your credit cards, credit limit, and credit inquiries. Lenders like banks and non-banking finance companies use a credit report to understand the creditworthiness of loan as well as credit card applicants. Let’s take a look at some of the reasons why you should keep a track of your credit report:

        Incorrect credit account information: First and foremost, you should check your credit report to see whether there are any incorrect records your credit accounts or duplication of the same loan or credit card account. In some cases, your credit accounts can get mixed with someone else’s details and hampers our credit score.

        Errors in personal information: Your credit report can have errors related to your personal information like name, address, mobile number, among others. If you come across any errors, you can raise a dispute to the respective credit bureau.

        Check for an identity theft You can also be a victim of fraud which can result in a drop in your credit score. If you come across accounts that are not yours, you should get it fixed at the earliest.

        An unexpected drop in your credit score: If there is an unexpected drop in your credit score, it might be due to some error in your credit report. There could also be a possibility of fraudulent activity or some error in your credit report.

      The Reserve Bank of India (RBI) made it mandatory for all the credit bureaus in the country to offer one credit report for free to all the consumers in one financial year. As there are four credit bureaus in the country - TransUnion CIBIL, Equifax, Experian and CRIF Highmark, you can get four credit reports in a year.

      24 December 2018

    • Cred Secures $25 Million in Funding from Sequoia, Will Roll Out in December

      Cred, the new fintech venture from Freecharge co-founder Kunal Shah is all set to roll out in December 2018. The platform aims to reward credit card users for making timely bill payments and offer various benefits to them. Cred has received $25 million in funding from Sequoia Capital and Ribbit Capital,. Users who pay their credit card bills through Cred earn points. These points can be redeemed at various POS including movies and food delivery services. The platform has already teamed up with a total of 30 brands including Airbnb, Cultfit, BookMyShow, Urban Ladder, Ixigo, CureFit, Furlenco, and FreshMenu, among others. The Cred platform will be available for those with credit score (CIBIL score) of 750 and above. The platform which is currently in the pilot stage has already received strong response. It will roll out to the public by the end of December. According to Shah, the main aim of the platform is to reward people who have displayed consistent good repayment behaviour in the longer run. The Cred platform will be free for the consumers, however, merchants will have to pay a small fee.

      29 November 2018

    • Co-Branded Travel Credit Cards Help cut Costs Significantly, Says a Survey Report

      Travelling has become a fad for millions of millennials across the world and even more so in developing economies like India. Some people even take over 2 months out of their year and dedicate it to travelling around the world.

      In a benefit report aimed at these travellers, an agency has revealed that co-branded travel credit cards are a great way to save money for such people. Gaurav Chopra, Founder and CEO of IndiaLends, had come out in support of co-branded travel credit cards and has said that opting for air miles program in a credit card will give the cardholder the option to redeem them for tickets and on hotel bookings.

      He further said that such cards give complimentary access to airport lounges around the world and also offers and discounts at various restaurants. Continuing on the benefits, he talked about multiple cards and how they can help save money. While one can be used for travel tickets, another can be used for cashback or waivers on certain charges.

      Navin Chandani, Chief Business Development Officer, Bankbazaar, has said that it is imperative to understand the features and benefits of a credit card and also the fees and penalties involved with a card. This can help make better use of your cards when on a foreign trip , he said. Another said that, it is always good to be aware of the expiry date on the reward points and also to avoid cash withdrawals to keep cardholders from burdening themselves.

      15 October 2018

    • CASHe Offers Loans to Millennials with its Own SLQ Rating System

      Most of the banks and non-banking finance companies (NBFC) check your credit score before approving your loan or a credit card application. However, there are a large number of millennials who are not aware of their credit score. Mumbai-based fintech startup CASHe offers individuals loans based on its own proprietary credit system called SLQ (social loan quotient). The scoring system is entirely different from the current banking credit scoring system. Unlike the traditional credit bureaus, CASHe’s scoring system generates its own scores based on the customer’s social behaviour data. The system makes use of deep learning and artificial intelligence-based technologies to give insights about borrower’s credit behaviour. It measures individual’s willingness and ability to pay financial obligations. The platform takes into consideration other parameters like his/her mobile, social and media footprint, education, remuneration, career and financial history. All the aforementioned parameters will be considered to calculate the borrower’s creditworthiness and thereby the credit score. CASHe will not give individuals a loan if they don’t qualify in the SLQ rating. The platform will analyze unstructured data from social media profiles, mobile data, KYC documents to provide the users with a system that will continuously update a borrower’s credit worthiness. As the scores are calculated in real-time, the individuals will know instantly if they are qualified for a loan with CASHe. Launched in 2017, the CASHe platform has more than 2 million app downloads and over 1.5 lakh customer base. The company is aiming at achieving an overall loan disbursal. CASHe processes over 27,000 loan applications in a month and has achieved an overall loan disbursal Rs.400 crore. The company through its multiple loan options ranging from Rs 10,000 to 2 lakh payable over 15 to 180 days.

      4 September 2018

    • Not Checking your Credit Report Comes with Risks

      A credit report comprises your credit history. It has a summary of all your current as well as past credits, bill payments and borrowing history. Most people avoid checking their credit report thinking it will be low while others delay checking it unless they are planning to apply for a loan or a credit card. However, not checking your credit report for a long period of time can be risky.

      What is a credit report?

      A credit report contains details such as current balance, loan amount, history of payment, credit limit, account type, account status, and payment history. It has your credit score which a numerical representation of your creditworthiness. A credit report is prepared by credit bureaus in the country. At present, there are a total of four credit bureaus in India viz; TransUnion (CIBIL), Equifax, Experian Credit Information Company and High Mark Credit Information Services. All these credit bureaus are regulated by the Reserve Bank of India (RBI).

      What is a credit score?

      A credit score is a 3 digit number between 300-900 that offers summary of your credit report and measures credit risk based on the information given in the credit report. Generally, banks and non-banking finance companies (NBFC) consider a credit score of 750 and above as ideal.

      Reasons to check your credit report

        • Possible identity theft: One of the reasons for an unusually low credit score could be a possible identity theft. The sooner you are able to spot a case of an identity theft, the more likely you are to prevent an extensive damage to your credit score. When someone else banks on your credit report, it is a case of an identity theft. This essentially means that someone else will use your credit report to get a loan or a credit card and then misuse the credit. This will have a negative impact on your credit score.

        • Incorrect personal and account information: This is one of the most common error that can occur in your credit report. Sometimes, a credit bureau might enter wrong data in your credit report that could lead to a low credit score. For instance, you might have already cleared off a loan and made all the payments on time, but the credit report will show that the loan is still open.

        • Limit hard checks: Each time you apply for a loan or credit, you trigger an enquire from banks or NBFC to check your credit score. Such enquiries made by lenders are called as hard enquiries and they bring down your credit score.

        • Learn your credit status: Lastly, it is important to do a periodic check of your credit, as it gives you a fair idea of the current state of your financial health. Once you understand where you are going wrong with your spending and payment habits, you can take measures to work on them and work towards building a positive credit history.

      The RBI has made it mandatory for all the credit bureaus to offer one free credit report to individuals in a calendar year. You can also log on to various websites like BankBazaar.com and check your credit score for free.

      14 August 2018

    CIBIL- Sitemap

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Report Reviews

    • Experian Credit Report
      "nice"
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 63
      ,
      Reviewed on Aug 21, 2019
    • Experian
      Experian Credit Report
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 61
      ,
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      "CT"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 101
      ,
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      OEJHPNETVIWEVVHZFYBHEFWQZAUGPYNLVKXOHPEMZTXMAFHKVUFHMPSEKUFQRIWHKEUVYPFMHCKHQGOSJXJXQPVGYOJRCCKRRSNWLGVLRJBSRLIJLJVZTOWCGGFLBBXJWDUDWATLCKBNABXLPGDZGSTTIXIUVWUTPZQBMWFMPUQPQRGZQGLBDJHYEGQHACNJEJKHQNRGQBGEKYPQQC
      Was this review helpful? 110
      ,
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 122
      ,
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 114
      ,
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 133
      ,
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      "CREDIT REPAIR "
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 140
      ,
      Reviewed on May 10, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 169
      ,
      Reviewed on May 08, 2019
    • Experian Credit Report
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 165
      ,
      Reviewed on May 04, 2019
    • Experian Credit Report
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 170
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 159
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 151
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 150
      ,
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 159
      ,
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 158
      ,
      Reviewed on Apr 23, 2019
    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 183
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 190
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 203
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 194
      ,
      Reviewed on Mar 02, 2019
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