POSTED BY March 3, 2014 3:12 pm COMMENTS (30)ON
Thanks for your help!
I was working in a MNC from 2011-2013 as AVP after my MBA. After that I started my own firm, unfortunately my plan did not work out so I had to join back to some other company. I never had any loans( credit history) so far. I got my Cibil report and it is showing no transactions. Now I would like to apply for a big personal loan. Do you see any challenges to get a loan? Do banks ask question on not having a credit history?
One more thing is – When I applied for PAN I got 2 cards with 2 different numbers. I have only used one card for all my banking transactions. The other one I have retained but not coated in any transaction and not planning to do so. If I give this new card to the new company and surrender to IT dept , is that also abide the law.
Eagerly waiting for your reply!