Hi,
I had 1 personal loan and 1 Credit card converted loan.
I settled the personal loan by paying the principal amount in 2011.
I paid full amount of Credit card converted loan in Feb 2013.
Now I waited for a month and just check the approval process, I applied for SBI credit card, and fortunately it got approved.
I am using the credit card and repaying the dues since last 2 months.
My Cibil Score is 740 without any details abt this Credit Card.
I hope this will improve my Cibil ratings.
My question is, I want to apply for a Home Loan, can u pleas advise me further to avoid any loan rejection in August???