Hi,

I was having credit card, i used it careful and paid in time, at the end bank enabled travel insurance without my notice and that amount came in my bill and i didnt pay it, they put my name in CIBIL,

Finally i paid the total outstanding, after that i didnt apply for any credit card and loan. I have overdraft in HDFC bank, other than that i dont have any credit history.

Now I am planing to apply home loan, do I get home loan without any loans and credit cards ?

Please advice
Thanks in advance
Sekhar