I just applied for Kotak cards and they came back rejecting my application stating my CIBIL report is negative. I dont know even know what the hec is that. The least I expect is someone informing me about any thing like this.
My current status, ZERO default on my credit card, loan..and car loan.
I closed two credit cards in the past (ICICI and SBI)&8 years ago... why? worst service and highly unprofessional.
Does this report works one-way?
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