Am I eligible for Personnel loan or Credit card?

POSTED BY Rajasekhar N ON July 26, 2013 9:30 pm COMMENTS (2)

Hi

           Below is my CIBIL DPD Status of CITIFINANCE personnel loan upto Feb’13(score 692) and from last January it has been good credit history as there are no check bounces. This loan will end in Feb’14. Before that I got 4 personnel loans from 2004-2010 and those were cleared with good record.This is the only one with bad record as I was jobless for 2.5years till Oct’12. All pending dues were clered in the month of Jan’13.

           I settled HSBC Credit card in 2011 for Rs14000/- out of Rs24000/-. And after communication with HSBC I recently paid remaining balance to HSBC to clear the ‘settled status’ from CIBIL.

And from April’13 I have been using ICICI Instant credit (20K FD) card with good track.  There are 3 credit card enquiries …one in Nov’12(Rejected) 2nd one Jan’13(Rejected) and last one May’13(Rejected).

        

           Please let me know that am I eligible for applying for credit card or personnel loan now.

 

DPD/AC           000    000     087    000   118    117    087    087    056    026    025    000
MONTH-YEAR 02-13 01-13 12-12 11-12 10-12 09-12 08-12 07-12 06-12 05-12 04-12 03-12

DPD/AC           000     000    026    000    026    056    026   026    000    000    000    000
MONTH-YEAR 02-12 01-12 12-11 11-11 10-11 09-11 08-11 07-11 06-11 05-11 04-11 03-11

DPD/AC            023    000    000    XXX    000   XXX   000    000    000    XXX    000    000
MONTH-YEAR 02-11 01-11 12-10 11-10 10-10 09-10 08-10 07-10 06-10 05-10 04-10 03-10

Thanks in Advance

Rajasekhar.

Hyderabad

2 replies on this article “Am I eligible for Personnel loan or Credit card?”

  1. Dear Raj, please do not apply for a CC or PL for next 18 months to save you from fall in your score due to excessive credit requests.

    thanks

    Ashal

  2. The problem is that your recent history (12 months) is not that great. you can see dues were in most of the months , which means instability in last 12 months or recent times .

    Not a very good thing and will be viewed negatively by any lender.

    Manish

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