u/mr_philosopher97

A lot of people here are absolute novices, probably because Slice’s underwriting is pretty lenient and for many of them, this is literally their first credit card.

Getting a card is easy. Understanding how a credit profile works? Apparently, not so much.

Every few months you’ll see someone posting:

«“I didn’t do anything, why did my CIBIL drop by 5–10 points?”»

Brother, your credit history is barely old enough to have a personality. 💀

A new credit profile is naturally going to fluctuate more. A mature credit profile is generally much more stable. You don’t build a solid credit history in 3 months and then expect the score to behave like someone with 5–10 years of credit history. Give it time building a mature profile takes years.

Then there’s another category: people checking their Experian score, seeing a sudden jump, and making a post about how their “credit score” has increased.

🤡

Experian changed its scoring methodology. The factors that were being weighted one way earlier are now being weighted differently, which is why a lot of people saw a sudden increase in their Experian scores.

And then we have the people who somehow think “credit score = CIBIL.”

No. India has four credit bureaus/CICs—CIBIL, Experian, Equifax and CRIF High Mark.

And CIBIL is the oldest and is still the one most commonly referenced by banks and lenders.

So please, before making a post because your score moved by 7 points or because Experian suddenly gave you 30 extra points, spend 10 minutes understanding how credit scoring actually works. 😭

The confidence-to-knowledge ratio on this sub is genuinely impressive. Kid:)

The SBI Visa Platinum Debit Card was actually a decent little gem… until the usual over-exposure began.

Every benefit, every loophole, every possible hack had to be posted, explained, dissected and broadcasted like it was breaking news.

And now? Quick-delivery apps have started pulling out, some have reduced limits, others have cut discounts and the card is slowly losing its charm.

But apparently, “use it quietly while it lasts” is too difficult a concept.

Some people find a good deal and enjoy it.

Others discover a good deal and immediately make 15 posts, 10 screenshots about it.

Then, when the devaluation comes: “Why did they do this?” 🤡

Congratulations to the over-enthusiastic influencers and deal-hunters. Mission accomplished. 👏

Please keep posting. Maybe the remaining benefits can be killed off too. 🫡

Hi everyone! I’m looking for the March 2026 edition of BlackBook. If anyone has a legitimate PDF or authorized digital copy that they’re allowed to share, I’d really appreciate it. Preferably a clean copy without added annotations or watermarks.

Thanks!

Same as title

Hi everyone,

I hope you're all doing well. I'm preparing for SSC CGL and have been constantly overthinking about the police verification process, which is severely affecting my preparation. I would really appreciate some guidance from candidates who appeared in CGL 2025 and have recently gone through or are currently going through the verification/joining process.

My Situation:

- Current Address: I have been living at my maternal grandfather's house in Haryana (Sonipat district) for the past 15-17 years. I have a bank passbook with this address printed on it.

- Permanent Address: My Aadhaar card and caste certificate both have my permanent address in Delhi (Northwest Delhi district). This address is at my father's friend's house.

The Distance & Context:

Both addresses are literally just 2-3 km apart — it's the Delhi NCR region, so it's basically the Delhi-Haryana border. Very close geographically, just different states.

My Concerns:

1. Address Proof for Current Address: My Nana's house is in a colony that is not well-structured. The electricity bill is in my Nana's name, but it only mentions the district and state — it does not have the exact street number or house number. Will this be a problem during police verification? I do have my bank passbook with the current address.

2. Permanent Address Verification: My permanent address (Delhi) is based on my father's documents. I don't live there, but the house owner (my father's friend) knows me and can vouch for me. However, neighbors there might not recognize me since I don't reside there. Will the police officer accept the house owner's confirmation?

3. Cannot Change Aadhaar Now: I cannot get my Aadhaar updated to my current address because the SSC CGL application form already has my current and permanent addresses filled as different. Changing Aadhaar now might create a mismatch with the application form, which could be worse.

4. Attestation Form: When I fill the attestation form during joining, I will mention:

- Current Address: Haryana (where I actually live)

- Permanent Address: Delhi (as per Aadhaar and caste certificate)

The distance between current and permanent address is 2-3 km only.

My Questions for Selected Candidates / Experienced Members:

- For those who got selected in CGL 2025 and have completed police verification — did the police visit BOTH current and permanent addresses?

- If the current address proof (electricity bill) doesn't have the exact street/house number but has the correct district and state, was it accepted?

- If neighbors at the permanent address don't recognize the candidate but the house owner confirms, does the police officer still raise an objection?

- Has anyone faced an "adverse report" or "address not found" issue? If yes, how did you resolve it? Did the department give you a chance to explain?

I know I'm overthinking, but this anxiety is genuinely stopping me from focusing on my studies. Any honest guidance from someone who has actually gone through this process would mean a lot.

TL;DR: Preparing for SSC CGL. Current address = Haryana (living at Nana's house for 15+ years, bank passbook available, electricity bill lacks exact street number). Permanent address = Delhi (Aadhaar + caste certificate, 2-3 km away). Can't change Aadhaar now as form already has different addresses. Worried about police verification at both addresses. Seeking guidance from CGL 2025 selected candidates who have gone through the process.

Thank you in advance! 🙏

Hey everyone,

I know we are all working incredibly hard to clear exams and join a prestigious institution like SBI. However, as future bankers, it’s equally important for us to look at the ground reality of the systems, operational efficiency, and customer grievance handling of the bank.

Recently, SBI Card has committed a massive systemic blunder. They have incorrectly reported the July billing cycle as "Overdue" to TransUnion CIBIL for thousands of customers even for those who paid their full bill weeks before the due date!

As a direct result, people are facing a sudden 60 to 70-point drop in their CIBIL scores, causing immense mental stress and financial reputational damage.

I have personally escalated this directly to the Principal Nodal Officer and CC'd the RBI, bypassing the standard customer care matrix due to the severity of the issue.

Why am I sharing this here:

As future officers and managers who will handle banking operations, credit risk, and customer relations, this is a classic case study of how a single technical/reporting glitch can lead to mass panic and a severe trust deficit.

For full context, the proof, and the escalation steps,

please refer to my viral post: https://www.reddit.com/r/CreditCardsIndia/s/Amt5YcELMa

Would love to know your thoughts as banking aspirants how do you view this level of operational negligence from India's largest lender?

I'm posting this as a heads-up for all SBI Card users.

If you have an SBI Credit Card, please check your CIBIL report immediately.

Over the last 24 hours, multiple users (including me) have seen 50–70 point drops in their CIBIL score despite:

No missed payments

No new loans or credit cards

No high credit utilization

No account closures

After checking the detailed report, it appears that SBI Card has incorrectly reported the July billing cycle's minimum due as "overdue" for many customers, even though payments were made on time or even the due date is after 2-3 weeks.

This incorrect reporting seems to have triggered a significant drop in CIBIL scores across multiple accounts.

If you're an SBI Card holder:

1. Check your CIBIL report (not just the score).

2. Verify whether your SBI Card account has been marked as overdue.

3. If it has, raise a complaint with SBI Card immediately and ask them to rectify the reporting with CIBIL.

UPDATE: I have now formally escalated this matter by email to SBI Card, with the Principal Nodal Officer (PNO), TransUnion CIBIL, CRPC (Centralised Receipt and Processing Centre) the RBI Integrated Ombudsman marked in CC. I have chosen not to wait for the normal grievance matrix because this appears to be a serious reporting issue affecting multiple customers.

For everyone's information, RBI's revised Credit Information Reporting Directions, effective from 1 July 2026, require banks and NBFCs to report customer credit data on four fixed reference dates every month (9th, 16th, 23rd, and the last day of the month) so that credit reports remain more accurate and up to date.

If the issue is indeed caused by SBI Card's reporting process, the reporting system should still respect the actual payment due date before marking any account as overdue. Reporting a customer as overdue before the due date, or despite payment already being made, would be a serious reporting error. If confirmed, this is unacceptable from a regulated financial institution. I will also be seeking appropriate compensation for the incorrect reporting and the resulting damage to my credit profile.

If you are facing the same issue, please raise a complaint immediately and share this post. The more affected customers come forward, the easier it will be for the concerned authorities to identify whether this is a systemic reporting issue rather than an isolated case.

I've already seen several similar posts from different users experiencing the exact same issue, so this doesn't appear to be an isolated case.

UPDATE**

I just received a call from the SBI Card Social Media Team.

They confirmed that they have read this Reddit post and acknowledged the issue raised here. They also informed me that my complaint, along with the details shared in this post, has been escalated to the Customer Service Head for immediate review.

At this stage, I am waiting for SBI Card's corrective action. Hopefully, they will rectify the incorrect reporting for all affected customers and update the records with CIBIL as soon as possible.

I will continue posting updates here as I receive them so everyone affected can stay informed.

If you are facing the same issue, please keep your CIBIL report, SBI Card statement. The more documented cases there are, the easier it will be to establish the extent of the issue.

Thank you to everyone who has shared their reports and helped bring attention to this. Hopefully, this leads to a quick resolution for all affected SBI Card holders.

Can other SBI Card holders confirm if they're facing the same problem? If yes, please mention:

Previous CIBIL score → Current score

Whether the report shows an overdue for the July bill

Whether you've already contacted SBI Card

The more data points we have, the easier it'll be to establish that this is a reporting issue rather than individual credit behavior.

SBI Card holders ⚠️

If your CIBIL score suddenly dropped even though you haven't missed a single EMI, credit card payment, or loan payment, don't assume you've done something wrong.

Kindly refer my other post for more clarity: https://www.reddit.com/r/CreditCardsIndia/s/EnppwNHSBe

Kindly check your full cibil report through onescore, paisabazar, navi or whatever.

A similar issue happened with me in January 2026. My older account history temporarily disappeared from my CIBIL report, which caused an unexpected score drop. After contacting CIBIL, they acknowledged and corrected it in the next reporting cycle.

If you're facing something similar, raise a complaint here:

https://ssp.cibil.com/contact-us/validateSr/csr2f6

➡️ Select "New Application" and explain your issue with as much detail as possible.

And mail to sbi customer support: nodalofficer@sbicard.com .

In many cases, if it's a reporting/technical issue, it gets rectified in the next monthly update.

If SBI doesn't resolve your complaint within 30 days, you can consider escalating the matter to the RBI Integrated Ombudsman. If the complaint is decided in your favor, you may also be eligible to seek appropriate compensation.

Has anyone else noticed an unexplained CIBIL score drop recently? Let's compare experiences.